Cash Flow Analysis for Small Business, Graded by Industry

From Your Files to a Score Against Your Peers

Upload the Files You Already Have

Sales and expense exports, as spreadsheets. It reads them, talks through what it found and lays out a normal year. Nothing is saved until you approve.

Three upload boxes, Sales, Expenses and Costs And Anything Else, under the steps Your Files, Talk It Through, Proposal and Approve

Every Dollar Walked From Sales to What You Keep

Revenue down through direct costs, overhead, financing, cash timing and long-term purchases to business cash flow, then past personal tax to what reaches you.

A table from $100,438 of revenue through direct costs, operating expenses, financing, taxes, cash timing and long-term investments to $82,171 of business cash flow and $62,611 of total value to the owner

Every Number Opened Up, From Taxes to Marketing

Taxes, cash conversion, running costs and what marketing brings back, each opened into its own chart and table on your own numbers.

A $25,559 tax estimate, 25 cents of every revenue dollar, split into $9,581 federal income tax, $12,385 self-employment tax and $3,593 state tax, with how it is calculated

For every $1 of operating profit the owner keeps 71 cents in cash: $88,135 of operating income walked past financing, cash timing and $25,559 of tax to $62,611

$82,135 of operating profit, 81.8% of revenue, with each operating cost listed against the sales line it serves

Each sales line plotted by marketing spend against new customers: 1-on-1 coaching wins about 44 customers on $1,000, the course 14 on $260

The Three Statements a Lender Reads, Explained Line by Line

Income statement, cash flow statement and balance sheet, built from the same numbers, each line followed by what it means in a sentence.

An income statement from $100,438 of revenue to $81,655 of net income, with a one-line explanation under each line

A Score Out of 100 Against Businesses Like Yours

Revenue, margins, marketing and stability, each graded from Lagging to Excellent against your industry's range, with the source named.

A 71% cash conversion marked You on a scale from 15% Lagging to 90% Excellent, landing in Good, with its definition and benchmark source

Help Reading Your Results

Occam, AI Advisor

Ask What Any Number Means

It reads the same screen you do, so the answer is about your business, not businesses in general.

Any paid plan, drawn from your monthly credits

Which stream earns the most?

You
Which of our streams brings in the most gross profit?
Occam
1-on-1 Coaching, by a wide margin: about $94,689 a year after Stripe fees, against about $2,206 from the Rooted Reset Course once its platform is paid. Coaching is 97% of sales and every dollar of it needs you in the room: 528 sessions a year.

Joao Galbier, Founder

Or Put It to an Expert

Ask someone who teaches founders the financial skills to run their business, here and through SCORE.

Advisory plan, a reply within 24 hours

Eight years building the models lenders, buyers and investment committees decide on, at Bank of America Merrill Lynch, EagleTree Capital and Thermo Fisher Scientific.

Meet Joao

Knowing Where You Stand Is the Starting Point for Every Decision

Strategic Decisions

Fix the Weakest Grade First

Test a price change, a hire or faster collections on these same numbers and see the cash flow before you commit.

Forecasting

Plan the Next Two Years From Today

Model where the business goes from here, starting from a dated copy of what the diagnostic found.

Personal Audit

Measure It Against What Your Household Needs

What reaches you after tax is only good or bad against the income your household has to have.

“I never knew what to focus on — cost savings? A new product? Double down on something? … [it] broke down my taxes, and ranking everything by cash flow cleared up where I should spend my time.”

Aubrey · Founder, Travel agency

A Diagnostic vs. a Bookkeeping Dashboard and a Year-End Report

What you get	Occam's Model	Bookkeeping Dashboards	Accountant's Year-End Report
Free to start, no account needed	Yes	Mostly paid	No
Walks sales to what you keep after personal tax	Yes	No	Not usually
Grades each number against your industry	Yes	No	Not usually
Reads the spreadsheets you already have	Yes	Needs its own books	Yes
Available any month, on the numbers as they are	Yes	Yes	Usually yearly
Reconciled, accurate books	Reads what you give it	Yes	Yes
Files your tax return	No	No	Yes

Common Questions

How do I do a cash flow analysis of my business?

Start from sales and take away, in order, the direct cost of the work, overhead, loan payments, the cash tied up in timing, long-term purchases and tax. What's left is the cash the business produced. The diagnostic lays out each step on your numbers and shows which ones drain the most.

How do I know if my numbers are healthy for my industry?

Each measure is graded against businesses that sell what you sell: gross and operating margin, growth, what marketing brings back, how fast profit turns into cash. Grades run from Lagging to Excellent, so a 20% margin reads as strong for a restaurant and weak for a consultancy.

What is a small business financial health check?

A read of the business as it is: where each dollar of sales goes, which measures are strong or weak for your industry, and the statements a lender would ask for. Here it runs on your own numbers, not a questionnaire.

How much of the diagnostic is free?

Reading your files, the walk from sales to what you keep, your overall score and the four areas behind it, with no account needed to start. Detailed grades, the industry benchmarks, the deep dives and the full statements come with a paid plan.

Do my books have to be clean, or do I need an accountant first?

No. Type the numbers in or upload the spreadsheets and exports you already have; the diagnostic reads them as they are. It doesn't keep your books or file a return, so your bookkeeper and CPA stay.

Does it connect to QuickBooks, Xero or my bank?

There's no live connection. Export a report from your bookkeeping software or bank and upload the file, or enter the numbers by hand.

Where Does the Money Go? A Cash Flow Analysis Graded Against Your Peers