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Founding Cohort — 32 of 50 spots left

Financial clarity for
contractors who build.

One number every Monday morning: your real safe-to-spend. Not your bank balance. Not a spreadsheet guess. The truth.

Founding Member
32 of 50 spots remaining
$295
per month · everything included
Claim your spot
Lock in this rate forever. No price increases for founding members.
Cancel anytime — no contracts, no setup fees.
What you get

Everything in your $295/month

Every tool a general contractor needs to know their real financial position — updated daily, explained in plain English.

Monday Morning Truth

Every Monday: your real safe-to-spend. Bank balance minus payroll, open bills, material orders, and tax reserves. One number. Zero guessing.

AI Engine

"Can I hire another guy?" "Should I buy that truck?" "Which job is bleeding money?" Ask in plain English — get answers backed by your real data.

Job & Margin Tracking

See profit margin per job in real time. Know which jobs make money and which are underwater before the final invoice — not after.

Cash Flow Forecast

12-month forward projection: optimistic and conservative. See when cash gets tight weeks in advance — not the day before payroll.

Bank Integration

CSV bank import — works with any US bank. Transactions categorized by job. Unlimited bank accounts included.

Receipt Capture

Snap a photo. AI reads vendor, amount, category. Auto-matched to the right job. Your bookkeeper sees it instantly.

Payroll Planning

See upcoming payroll before it hits. Know if you can cover Friday's checks before Monday — not after the money's gone.

All Integrations

HardLedger accounting, Contractor Plus estimating, bank feeds — all included. No per-integration fees. No add-on pricing.

Add-on service

Managed Bookkeeping

Not a spreadsheet person? Our team handles categorization weekly so your Monday Morning Truth is always accurate.

Our bookkeeper is specifically trained for Human-in-the-Loop (HITL) AI work — not just general bookkeeping. They review every AI categorization weekly, correct edge cases, and ensure your Monday Morning Truth is always based on clean verified data. This is what separates CashFlowSmart from every other financial tool — the AI gets smarter every week because a trained human keeps it honest.

Dedicated HITL bookkeeper for your account

Two simple pricing tiers — no hourly surprises
$349 setup
+ $149/mo

What's included

  • Weekly transaction categorization by job
  • Bank reconciliation every month
  • Receipt matching and filing
  • Vendor & sub payment tracking
  • Expense categorization
  • Monthly financial summary
  • Direct line to your bookkeeper

How it works

  • Dedicated bookkeeper assigned to you
  • They log into your dashboard weekly
  • Categorize all transactions by job
  • Match receipts to expenses
  • Flag anything unusual
  • Clean dashboard every Monday
  • Most use 4-8 hrs/month
SLM Setup & Library — $349 one-time (up to 8 hours)

We build your chart of accounts, categorization rules, and AI training library tailored to your business.

Monthly Managed Ledger — $149/month (up to 5 hours)

Ongoing weekly categorization, reconciliation, and HITL review. Compare to a part-time bookkeeper at $25-40/hr or a CPA firm at $150-300/hr.

The difference

What changes on Day 1

Without CashFlowSmart

  • Check bank balance, hope for the best
  • Spreadsheet updated... last quarter
  • Find out a job lost money after it's done
  • Guess if you can make payroll Friday
  • Hire based on gut feeling
  • Surprised by tax bills
  • Receipts in a shoebox

With CashFlowSmart

  • See real safe-to-spend every morning
  • Numbers updated automatically from bank
  • Catch margin problems mid-job
  • Know payroll coverage 2 weeks ahead
  • AI tells you exactly when you can hire
  • Tax reserves calculated and set aside
  • Snap, upload, auto-categorized
Who this is for

Built for GCs doing $500K — $5M/year

This is for you if:

  • You run residential or commercial remodel/build projects
  • You have 2-20 employees or subs
  • You manage multiple jobs at once
  • You've ever wondered "can I actually afford this?"
  • You want clarity without becoming an accountant

This is NOT for you if:

  • Solo handyman with no employees
  • No business bank account yet
  • Looking for estimating/bidding software only
  • Already running a full ERP and CFO team
I checked my bank — it said $6,665. CashFlowSmart showed me I actually had $1,887 safe to spend. That one number changed how I run my entire business.
DC
D.C.
Principal · Main Street Contractors · Indianapolis, IN
Questions

Common questions

What does "founding member" mean? +
You're in the first 50 contractors on the platform. You get the $295/mo rate locked forever — even when the price goes up. You also get a direct line to our team and input on features we build next.
How fast can I get started? +
White-glove setup takes 1-2 business days. We connect your bank, import your jobs, and configure your dashboard. You'll have your first Monday Morning Truth within a week.
Do I need to do the bookkeeping myself? +
No. You can categorize transactions yourself (takes 10-15 min/week), or add our managed bookkeeping service ($349 setup + $149/mo) and we handle everything. Most contractors who see the best results use the managed service.
What if I already have a bookkeeper or CPA? +
They can use CashFlowSmart too. We give them a login. The platform makes their job easier with auto-categorized bank transactions, receipt capture, and job-level tracking.
Is my financial data secure? +
Yes. Bank data is imported via CSV upload — your credentials are never stored or shared. Your data is never sold. We use 256-bit encryption and the same security standards as your online banking.
Can I cancel anytime? +
Yes. No contracts. No cancellation fees. Cancel from your dashboard in one click.
What's the difference between bank balance and safe-to-spend? +
Your bank balance is what the bank says you have. Safe-to-spend is what's left after payroll, open bills, material orders, and tax reserves. That gap is where most contractors get surprised. We close it.
What is HITL and why does it matter? +
HITL stands for Human-in-the-Loop. It means a trained bookkeeper reviews every AI decision weekly. This keeps your data clean, your predictions accurate, and your Monday Morning Truth trustworthy. The owner can go on vacation — the AI and the HITL bookkeeper keep the business running financially.
🛡

30-Day Money-Back Guarantee

If CashFlowSmart doesn't change how you make financial decisions in the first 30 days, we'll refund every penny. No questions asked.

Stop guessing.
Start knowing.

32 founding spots left. $295/mo. Everything included. Locked forever.

Claim your founding spot