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.
Built with the contractors
who beta-tested every pixel.
Buy online — checkout opens instantly.
Secure Stripe checkout. Pick a plan below and pay now. Founding rate locks in for life.
Founding Membership
Full CashFlowSmart platform — Safe-to-Spend, AI Engine, jobs & margins, HardLedger, all integrations. Cancel anytime.
Checkout — $295/moBookkeeping Setup
SLM setup & library — chart of accounts, categorization rules, and AI training tailored to your GC business.
Checkout — $349Managed Bookkeeping
Ongoing HITL bookkeeping — weekly categorization, reconciliation, and a clean Monday dashboard.
Checkout — $149/moFounding + Setup
Founding membership ($295/mo) plus bookkeeping setup ($349) in one checkout. Best for white-glove onboarding day one.
Checkout bundleWant the full pitch first? See founding offer details →