Money Coming In, But Where Is It Going? — Small-Business Cash Flow Review Protocol
Money is coming into your business — so why does cash still feel tight or unpredictable?
This practical 5-page protocol helps small business owners, freelancers and independent professionals build a clearer picture of where money actually comes from, where it goes, and where cash flow pressure may be developing.
It guides you through:
- Creating a clear Cash Flow Snapshot
- Separating money invoiced from money actually received
- Recording money actually paid versus upcoming commitments
- Mapping known inflows and outflows over the next 30 days
- Identifying timing gaps between incoming and outgoing money
- Reviewing unpaid customer revenue
- Recognising recurring and irregular expense pressure
- Assessing whether a limited cash buffer is contributing to the problem
- Classifying the evidence as:
- Timing Gap
- Cost Pressure
- Unpaid Revenue
- Irregular Expense Pressure
- Low Cash Buffer
- Insufficient Evidence
- Comparing possible causes using a Cash Flow Evidence Matrix
- Using AI to review the information without inventing missing amounts, forecasts or financial conclusions
- Turning the review into a practical 30-Day Cash Visibility Plan
What you receive:
- 5-page PDF
- Cash Flow Snapshot
- 30-Day Known Commitments record
- Money In / Money Out Evidence Record
- Six cash-flow pressure classifications
- Cash Flow Evidence Matrix
- 30-Day Cash Visibility View
- Controlled AI Cash Flow Review prompt
- 6-step AI prompt sequence
- 30-Day Cash Visibility Plan
- Stop Rule
Instead of simply asking “Where did all the money go?”, build the record and find out what the available evidence actually shows.
Follow the money. Identify the pressure. Improve your visibility.
No subscription required.
Important: This protocol is an organisational and cash-visibility aid. It does not provide accounting, tax, investment, credit or legal advice; determine profitability, solvency or required reserves; or replace professional financial records and advice. Verify figures against your actual accounts and applicable obligations.
