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  <!-- Main marketing pages -->
  <url>
    <loc>https://cashflowsmart.io/</loc>
    <lastmod>2026-05-30</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
  </url>
  <url>
    <loc>https://cashflowsmart.io/offer</loc>
    <lastmod>2026-05-30</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://cashflowsmart.io/about</loc>
    <lastmod>2026-05-30</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://cashflowsmart.io/security</loc>
    <lastmod>2026-05-30</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://cashflowsmart.io/privacy</loc>
    <lastmod>2026-05-30</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://cashflowsmart.io/terms</loc>
    <lastmod>2026-05-30</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://cashflowsmart.io/contact</loc>
    <lastmod>2026-05-30</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://cashflowsmart.io/careers</loc>
    <lastmod>2026-05-30</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>

  <!-- Blog index -->
  <url>
    <loc>https://cashflowsmart.io/blog</loc>
    <lastmod>2026-06-01</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <!-- Blog articles -->
  <url>
    <loc>https://cashflowsmart.io/blog/safe-to-spend-explained</loc>
    <lastmod>2026-06-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://cashflowsmart.io/blog/retainage-tracking-contractors</loc>
    <lastmod>2026-06-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://cashflowsmart.io/blog/job-margin-tracking</loc>
    <lastmod>2026-06-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://cashflowsmart.io/blog/contractor-cash-flow-forecast</loc>
    <lastmod>2026-06-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://cashflowsmart.io/blog/contractor-plus-integration</loc>
    <lastmod>2026-06-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://cashflowsmart.io/blog/bank-statement-upload-guide</loc>
    <lastmod>2026-06-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

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