Chapter 6: Cash Flow

You can have your best quarter ever and still miss payroll. Here's why — and how to fix it.
In this chapter of the Arch City Business Academy Trade Owner's Playbook, we break down the number one financial killer of growing service businesses: cash flow. Not bad work. Not losing customers. Not even bad pricing. The gap between what you earned and what you actually have.
Most contractors have never been taught the difference between profit and cash. This lesson fixes that — and gives you the exact systems to control, forecast, and protect your money before a crisis forces you to.
Here's what we cover:
✅ Why profitable businesses go broke — the timing gap explained
✅ The 4 primary cash flow gaps in every service business
✅ How to set payment terms before the job starts (and why it changes everything)
✅ The deposit framework — what to collect, when, and on which jobs
✅ Same-day invoicing and a 5-touch follow-up system that gets you paid
✅ How to build a cash reserve in three layers — starting from zero
✅ Using supplier relationships as a cash flow tool (net-30 terms and how to get them)
✅ The 15-minute Weekly Cash Flow Review that replaces financial anxiety with financial clarity
✅ 5 cash flow warning signs to catch before they become crises
The number to know: You can show profit at year-end and still miss payroll. This chapter closes that gap.

🏗️ Arch City Business Academy is built for home service contractors under five years in business who are ready to stop trading time for dollars and start building something that runs without them.
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