Cash Flow & Working Capital

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Cash Flow & Working Capital

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What You Will Build
Over six modules, you will implement a complete financial architecture:
The 13-Week Rolling Forecast: Connect tools like Float or Agicap to your ledger to mathematically predict your exact cash position weeks before a deficit hits.
Automated Accounts Receivable (AR): Implement a strict 5-step dunning sequence and frictionless payment gateways to slash your Days Sales Outstanding (DSO) to near zero.
Proactive Spend Management (AP): Kill the employee expense report with merchant-locked virtual cards and manufacture a 30-day cash float using strategic payment routing.
The Capital Stack: Learn how to underwrite your own business and leverage Revolving Lines of Credit, Equipment Financing, and Alternative Debt to fund growth.
The Founder’s Dashboard: Consolidate your entire FinTech stack into a single command center that takes exactly 5 minutes a day to review.

Course Curriculum

Summary: Cash Flow and Working Capital
The Financial Operating System — Summary Most founders don’t lack profit. They lack control over timing. The P&L shows growth. The bank account shows pressure. This gap—between reported performance and real cash—is where most operational stress lives. The Core Shift Finance is not a report. It is a system. The Financial Operating System replaces backward-looking accounting with a real-time, automated cash engine: Cash inflows are accelerated, not chased Outflows are structured, not reactive Cash position is forecasted, not discovered late The result is simple: from uncertainty → to predictability Who This Is For This system matters when: Revenue is proven, but cash still feels tight The founder is still approving payments and chasing invoices Growth is funded internally and working capital is under pressure Payment cycles (Net 30/60) slow down momentum At this stage, the constraint is no longer demand. It is financial infrastructure. What You Build You implement a connected financial architecture: A 13-week rolling forecast for forward visibility An automated receivables system to compress payment timelines A controlled payables system to create intentional float A capital strategy layer to access non-dilutive funding A single founder dashboard for daily oversight Each component works together. The goal is not tracking—it is control. What Changes Your role shifts from operator to allocator. You stop managing transactions. You start managing capital. Decisions move forward: When to deploy cash When to hold When to accelerate growth And they are made with clarity, not guesswork. The Underlying Principle Cash flow is not an outcome. It is a design choice. When the system is built correctly: Liquidity becomes predictable Stress disappears Growth is no longer constrained by timing friction This course is not theoretical. It is an implementation of that system—practical, structured, and built for operators.

Introduction

02:00

Module 1: Diagnostics – Deep Dive into Working Capital Mechanics
Instead of just defining working capital, we show founders how to diagnose their own bleeding. • The Deep Dive: Mapping out the exact timeline of a dollar moving through a business. We will do a live breakdown of how to extract Days Sales Outstanding (DSO) and Days Payable Outstanding (DPO) from raw accounting data. • Practical Tech: Demonstrating how to use Open Banking APIs and aggregation tools to pull live bank feeds into a single dashboard, bypassing the month-end close delay.

Module 2: Building the Forecasting Engine
Moving from static Excel sheets to AI-driven predictability. • The Deep Dive: Building a robust 13-week rolling cash flow forecast from scratch. We’ll cover how to map variable vs. fixed costs and model different "what-if" disaster scenarios. • Practical Tech: Over-the-shoulder teardown of modern cash flow tools (like Float, Agicap, or Dryrun). We will show how these tools auto-sync with accounting software to predict cash gaps weeks before they happen.

Module 3: AR Automation – Accelerating Inflows
Getting paid faster using B2B payments tech. • The Deep Dive: The psychology and mechanics of collections. We will build a customized dunning (automated payment reminder) schedule that escalates without ruining customer relationships. • Practical Tech: Exploring AR automation platforms (like Upflow, Chaser, or Kolleno). We will show how implementing direct payment links, digital wallets (Apple/Google Pay for B2B), and automated reconciliation can shave 15+ days off a company's DSO.

Module 4: Spend Management – Controlling Outflows
Stopping cash leakage and holding onto money longer without upsetting vendors. • The Deep Dive: Designing an approval workflow and a smart accounts payable (AP) strategy. How to strategically use credit terms and negotiate with suppliers using data. • Practical Tech: A deep dive into modern spend management and corporate card platforms (like Ramp, Brex, or Spendesk). • We will show how issuing virtual cards with strict budgets, automating receipt capture, and routing payments strategically can maximize cash on hand.

Module 5: Unlocking Trapped Capital – Alternative Financing
How to bridge cash gaps using modern, tech-enabled capital instead of slow, traditional banks. • The Deep Dive: The hard math of FinTech financing. We will run a detailed cost comparison between a traditional term loan, Invoice Factoring, and Revenue-Based Financing (RBF). We will teach founders how to convert "Factor Rates" into actual APRs so they don't get ripped off. • Practical Tech: Navigating embedded finance platforms (like Stripe Capital, Shopify Capital, Clearco, or Pipe). How these platforms underwrite based on live API data (sales, ad spend) rather than traditional credit scores.

Module 6: Constructing the Ultimate FinTech Stack
Tying the whole 9-hour course together into a cohesive system. • The Deep Dive: How to choose the right software stack based on the business model (SaaS vs. E-commerce vs. Agency). • Practical Tech: Integration masterclass. How to ensure the CRM (like HubSpot/Salesforce), the billing engine (like Stripe), the accounting software (like Xero), and the treasury tools all talk to each other flawlessly without creating data silos.

The Founder’s Glossary: Translating Accounting into Operations
Summary

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📦 Materials Included
When you enroll in The Financial Operating System, you get lifetime access to the complete FinTech implementation library, including:
24 High-Definition Video Lessons: Strictly operational, zero-fluff training modules broken down across 6 weeks.
The Dunning Playbook (Swipe File): The exact, copy-and-paste 5-step email sequence to automate your Accounts Receivable and force clients to pay on time.
The Dashboard Configuration Guide: A step-by-step PDF manual to build your 4-pillar executive command center.
The Cash vs. Accrual Blueprint: A visual reference guide to train your operations team on the mechanics of working capital.
4 Exclusive FinTech Tool Directories: Curated, unbiased cheat sheets to help you immediately select the right API-driven software for your exact business model:
Directory 1: Automated Cash Flow Forecasting
Directory 2: AR Automation & Payment Gateways
Directory 3: AP Automation & Spend Management
Directory 4: The Alternative Capital Stack

⚠️ Requirements & Instructions
This is an implementation program, not a theoretical accounting class. To successfully execute this system, you must meet the following requirements:
Cloud-Based Accounting: You must be using a modern, cloud-based general ledger (e.g., QuickBooks Online, Xero, or NetSuite). Desktop-based software (like QuickBooks Desktop) will not connect to the API integrations required in Weeks 2 through 4.
Revenue Stage: Your business should actively be generating revenue with real clients and real vendor expenses. This course is built to optimize scaling operations, not pre-revenue ideation.
Administrative Access: You (or your operations lead) must have Master/Admin access to your accounting software and corporate bank accounts to authorize the FinTech integrations.
The 5-Minute Commitment: You must commit to completely abandoning manual Excel forecasting and logging into your new Founder's Dashboard for exactly 5 minutes every morning.

Who This Course is For
Scaling Founders & CEOs: You have crossed the $1M–$3M revenue mark, but you are still personally approving vendor bills and chasing clients for payments.
Bootstrapped Startups: You need to maximize your organic working capital to fund your own growth without giving away expensive equity to investors.
B2B Service & SaaS Operators: You suffer from long payment terms (Net 30/60) and need to stop acting as a free, zero-interest bank for your enterprise clients.

Technology & Digital Transformation Consultancy B2B Consultancy Specializing In Strategic FinTech Services Technology & Digital Transformation Advisory Technology & Digital Transformation Coaching Technology & Digital Transformation Training Advisor | Consultant | Coach

Cash Flow & Working Capital

What I will learn?

Course Curriculum

Introduction

Module 1, Lesson 1: The Profit Illusion (Cash vs. Accrual)

Module 1, Lesson 2: The Cash Conversion Cycle (CCC)

Module 1, Lesson 3: Identifying Working Capital Traps

Module 1, Lesson 4: The FinTech Mindset (Moving from Excel to APIs)

Introduction (Module 2 summary): Building the Forecasting Engine

Module 2, Lesson 1: Building the Baseline

Module 2, Lesson 2: Categorizing Expense Tiers

Module 2, Lesson 3: Stress Testing & Scenario Planning

Module 2, Lesson 4: The FinTech Implementation

Introduction Module 3: AR Automation – Accelerating Inflows

Module 3, Lesson 1: The Anatomy of DSO

Module 3, Lesson 2: The Structure of Automated Collections

Module 3, Lesson 3: B2B Payment Infrastructure

Module 3, Lesson 4: The FinTech Implementation (Connecting the Stack)

Introduction: Module 4: Spend Management – Controlling Outflows

Module 4, Lesson 1: The Anatomy of DPO

Module 4, Lesson 2: The End of the Expense Report

Module 4, Lesson 3: Strategic Payment Routing & Virtual Cards

Module 4, Lesson 4: Automating Accounts Payable

Introduction: Module 5: Unlocking Trapped Capital – Alternative Financing

Module 5, Lesson 1: Understanding the Capital Stack

Module 5, Lesson 2: The Revolving Line of Credit

Module 5, Lesson 3: Term Loans and Equipment Financing

Module 5, Lesson 4: Alternative Debt

Introduction: Module 6: Constructing the Ultimate FinTech Stack

Module 6, Lesson 1: The Founder’s Dashboard

Module 6, Lesson 2: The Weekly Finance Meeting

Module 6, Lesson 3: Scaling the System (When to Hire a Fractional CFO)

Module 6, Lesson 4: The Final Review & Graduation

The Founder’s Glossary: Translating Accounting into Operations Summary

Introduction: The Founder’s Glossary: Translating Accounting into Operations

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The Founder’s Glossary: Translating Accounting into Operations
Summary