Money & Liquidity
The service nobody else offers: a banking specialist on your launch team.
A beautiful brand that runs out of cash is just a beautiful failure. Our finance specialist — a banker by trade — reviews your cash flow, prices your work properly and builds the financial plan under your launch, so the month the website goes live isn’t the month the money gets scary. This is small business financial planning in plain language, for owners, not accountants.
Cash-flow review
Where the money actually goes, and the three numbers to watch weekly.
Pricing strategy
Charge what the work is worth — with the math to defend it.
Launch financial plan
Startup costs, runway and break-even for your first year, in plain language.
The money habits that keep small businesses alive.
- 01
Know your break-even by heart
The revenue number where a month stops losing money. If you can’t say it right now, that’s the first thing we calculate — everything else builds on it.
- 02
Price from costs up, not competitors down
Copying the competitor’s price copies their cost structure without their volume. We rebuild your rates from your real numbers, then check the market.
- 03
Two accounts minimum
Operating and tax. Every deposit, the tax slice moves immediately. The single most effective habit against the HST-bill panic — and it takes ten minutes to set up.
- 04
Watch weeks of cash, not months of profit
Profitable businesses die of timing. One number — weeks of cash on hand — tells you whether a slow month is boring or dangerous.
- 05
Invoice same-day, follow up day seven
Cash flow problems are often just politeness problems. A friendly template and a calendar reminder recover thousands a year.
- 06
Plan the launch spend like a project
Brand, site, content, buffer — a number for each, agreed before we start. It’s why our pricing is published: your financial plan deserves real figures, not estimates.
The same discipline we apply to design — sketch, plan, prove, then spend — is the discipline we apply to your money.
What it costs
Money & liquidity
All prices CAD before HST. Plain language guaranteed — if you don’t understand it, we haven’t finished.
We’re consultants, not a bank or licensed financial advisors — for investments, loans and tax filings we’ll happily work alongside your accountant.
What is liquidity for a small business?
Your ability to pay what’s due, when it’s due, without scrambling — in practice, weeks of cash on hand. Profit is the scoreboard; liquidity is the oxygen.
How much cash should a small business keep?
A working rule for most Halton service businesses: two to three months of operating costs. Seasonal businesses need more. The launch financial plan calculates your actual number.
What’s the difference between profit and cash flow?
Profit is what’s left on paper after costs; cash flow is when money actually moves. Profitable businesses die of timing — which is why we watch weeks-of-cash, not just margins.
Why is a “banker on the team” different from an accountant?
Your accountant looks backward for the CRA; our finance specialist looks forward for you — pricing, runway and decisions before they happen. You need both; almost nobody has the second one.
The course version
Money In, Money Out — six modules with our banking specialist, $95, curriculum public.
How money fits the launch
The process page shows where the financial plan sits in every project.
Every price on this site
Fixed CAD rates for everything, because your plan deserves real numbers.
The Monday five-minute money check.
Module 1 of the course, free: three numbers, every Monday, five minutes. Owners who do this stop being surprised — and surprises are what kill small businesses.
- 01
Cash on hand
What’s actually in the account — not what’s “coming.” Write it down. Watching this number weekly turns a vague worry into a trend you can act on.
- 02
Owed to you
Every unpaid invoice, oldest first. Anything past 7 days gets the friendly follow-up today, not “soon.” Most late payments are politeness problems, not money problems.
- 03
Owed by you
Rent, suppliers, card, HST set-aside. Knowing this beside the first two numbers tells you in one glance whether the month is fine, tight, or needs a move now.
Break-even, pricing, the two-account system and slow-month runway are the rest of the course — $95, built with our banking specialist. Or book a full cash-flow review for $400.
Let’s make the money boring.
Boring money is the goal. Predictable, planned, enough. Book the free call.