Financial clarity for
contractors who build.
Real-time AI cash flow predictions that tell you what you can actually afford — today, next week, next month. Stop managing by bank balance. Know your real safe-to-spend before Monday morning.
Contractors are running million-dollar businesses
on a gut feeling.
Your bank balance doesn't tell you what you owe. Your accountant doesn't tell you until the 15th. You're making seven-figure decisions at 6 a.m. with a cup of coffee.
Can I afford to hire?
You check your bank balance. It says $6,665. But payroll is Friday, materials are due Monday, and two invoices are 45 days late. The real answer? You have $1,887 safe to spend. CashFlowSmart tells you that before you make the call.
You underbid the job.
Hoosier Homes looked like a 40% margin job. Three draws later it's running at 8%. By the time you notice, the damage is done. CashFlowSmart tracks every job against your target margin — and alerts you before the next draw goes out.
Your bank balance lies.
The money in your account is not your money. $688 held for taxes. $2,800 to payroll. $1,290 committed to materials. What's actually left? $1,887. That's your Monday Morning Truth. We show you that number automatically, every single day.
Three numbers that tell the truth.
No spreadsheets. No "let me get back to you." Just a clear, AI-verified read on your business every time you open the app.
Safe-to-Spend working capital
Not your bank balance. Your actual spendable cash after payroll, committed materials, subcontractors and tax reserves are automatically deducted. Updated every time a transaction clears.
"Can I hire today?" — answered.
Ask the AI Engine anything. 'Can I hire a foreman?' 'Should I take the INHP rehab job?' 'Can I buy a $40k truck?' Get a real answer based on your live financial data — not a guess.
Automatic margin tracking
Every active job tracked against your target margin in real time. When a job drops below your floor, you get an alert before the next draw — not after.
The Variant Table automatically flags jobs running below your margin floor — separating healthy bids from problem jobs before they drain your cash flow. Your AI predictions stay clean because bad data never enters the training set.
Three steps. No CFO required.
Most contractors are running in 15 minutes. No implementation calls, no consultants, no spreadsheet archaeology.
Connect your accounting
Link HardLedger (our built-in accounting engine) or import your bank CSV. Works with Chase, Wells Fargo, Bank of America and most US banks. Takes 60 seconds.
Import your bank statements
Upload your last 3 months of bank statements. Our AI reads every transaction, categorizes it by job, overhead or tools — and flags anything that needs your review. No manual data entry.
Get instant AI insights
Your Monday Morning Truth appears automatically. Safe-to-Spend, cash runway, margin alerts, overdue invoices — all in one screen. Updated every time your data syncs.
Best results come from contractors who review their categorizations weekly. Not a spreadsheet person? Our managed bookkeeping service handles it for you at $10/hr — so your Monday Morning Truth is always accurate.
Already connected to the tools you use.
Built-in integrations for the platforms general contractors actually run on.
Accepted jobs feed directly into your cash flow forecast — automatically from any estimating app with API access or data export, or manually in under two minutes. Contractor Plus connects natively. No estimating software? Manual job entry takes less time than a phone call.
Works the way you work.
Four ways in. One Monday Morning Truth. No forced migration.
Already have accounting software?
CashFlowSmart layers on top of any existing accounting package — QuickBooks, Wave, FreshBooks, Akaunting, or whatever your CPA uses. No migration. No disruption. Your bookkeeper keeps working the same way. You just finally know your Monday Morning number.
Want automatic bank feeds?
Connect your bank directly through Plaid for automatic, real-time transaction feeds — no CSV exports, no manual uploads, no data lag. Your Monday Morning Truth updates automatically every time a transaction clears.
Want everything in one place?
HardLedger is CashFlowSmart's built-in accounting engine — straightforward, no-frills job costing and general ledger built specifically for contractors. No accountant jargon. No features you'll never use. One platform, one login, one source of truth.
Hate bookkeeping?
Our managed bookkeeping service handles transaction categorization for $10/hr — so your Monday Morning Truth is always based on clean, accurate data. No spreadsheets. No backlog. Just the number.
“Most cash flow tools force you to change how you work. CashFlowSmart meets you where you are.”
Built with the contractors
who beta-tested every pixel.
Early access for
serious contractors.
We're onboarding 50 general contractors in the founding cohort. Lifetime pricing, white-glove setup, direct line to the team.
Locks in for life · standard price $197/month after cohort closes
- Everything included. No hidden fees.
- Unlimited jobs, users & bank accounts
- AI Engine — ask anything, get real answers
- All integrations included
- Managed bookkeeping at $10/hr
Everything contractors ask before signing up
Straight answers. No sales language.
What is Safe-to-Spend and why is it different from my bank balance? +
Your bank balance includes money you have already committed to spend — payroll due Friday, a material order arriving Tuesday, retainage held by your GC until project closeout. Safe-to-Spend subtracts all of those obligations and shows you what is genuinely available. Most contractors discover their real number is 20–40% lower than their bank balance suggests.
What is Plaid and how does the bank feed work? +
Plaid is a secure bank connection service used by thousands of financial apps including Venmo, Coinbase, and Robinhood. CashFlowSmart uses Plaid to connect directly to your bank account and pull transactions automatically — no CSV exports, no manual uploads. Your financial data stays current in real time so your Monday Morning Truth always reflects your actual balance. CashFlowSmart never stores your banking credentials and never initiates transactions. Plaid read-only access means we can see your transactions but cannot move your money.
Does CashFlowSmart connect directly to my bank account? +
No. CashFlowSmart never connects directly to your bank. All financial data enters the system through CSV or PDF bank statement files you explicitly upload. You retain full control of your banking credentials at all times. There is no Plaid connection, no read-only bank access, and no OAuth to your financial institution.
What is retainage and how does CashFlowSmart track it? +
Retainage is money withheld by a general contractor — typically 5–10% of each draw — until the project reaches substantial completion. It is real money you have earned but cannot spend yet. CashFlowSmart tracks retainage as a dedicated line item per job, shows the total held across all active projects, and excludes it from your Safe-to-Spend calculation so you never accidentally plan around money you cannot access.
How does the job margin tracking work? +
CashFlowSmart matches bank transactions to jobs using three layers: keyword vendor rules (Home Depot always maps to materials), job aliases ("17th St" matches the McArthur job), and AI categorization for anything that does not match a rule. Revenue deposits are matched to job records. The result is a real gross margin percentage per job based on actual bank activity — not estimates or invoice totals.
Does this replace QuickBooks or my accountant? +
No — and it works with whatever accounting package you already use. CashFlowSmart layers on top of QuickBooks, Wave, FreshBooks, Akaunting, or any other accounting software without requiring migration or changes to how your bookkeeper or CPA works. Prefer no accounting software at all? Run CashFlowSmart standalone with automatic Plaid bank feeds or CSV uploads. Want everything under one roof? Our built-in HardLedger accounting engine is straightforward, contractor-focused, and requires no accounting background. Most contractors keep their existing setup and add CashFlowSmart for Monday morning decision-making.
How long does setup take? +
Most contractors see their first Monday Morning Truth Card — with real Safe-to-Spend, gross margin by job, and 90-day forecast — within 30 minutes of uploading their first bank statement. Founding cohort members receive white-glove setup assistance at no additional cost, which typically gets you fully configured in a single 45-minute call.
What integrations are supported? +
CashFlowSmart connects to any estimating or job management platform with API access or data export — Contractor Plus connects natively with the deepest integration. Any accounting software works via CSV import, including QuickBooks and HardLedger, our built-in accounting engine. Gusto handles payroll and Stripe handles payments. Bank statement uploads support CSV and PDF from any US bank. No software at all? Manual entry is fully supported. Additional integrations added based on founding cohort feedback.
Does CashFlowSmart connect to my estimating software? +
CashFlowSmart connects to any estimating or job management platform that provides API access or data export. Contractor Plus connects natively with the deepest integration — accepted jobs, estimates, and contract values flow directly into your margin tracking and cash flow forecast. Any app that allows data export connects automatically. No estimating software at all? Manual job entry takes under two minutes — enter the job name, contract value, and target margin and CashFlowSmart starts tracking that job immediately. The goal is simple: every accepted job reaches your cash flow forecast the same day you sign the contract.
What is the founding cohort pricing? +
The founding cohort of 50 contractors receives CashFlowSmart at $97/month, locked in for life. This includes white-glove setup, all integrations, the AI Financial Advisor, and all future features. Standard pricing after the cohort closes is $197/month. There is no annual commitment required for founding members.