Pricing & Cash Flow Pack

What to charge, when the money turns up, and what it costs you to make it turn up sooner

Three questions a cash-flow calculator cannot ask. What to charge: break-even across a ladder of prices, and the price below which no volume saves you. When the money lands: what each payment term does to your lowest balance, measured against when customers actually pay rather than when your terms say. And what money costs you: an early-payment discount is borrowing — the same 2% costs 76% a year on Net 14 and 8.6% on Net 90 — and so is growth, at a rate set by your margin and your collection cycle. 11 pages, printable, PLUS a live spreadsheet with your 12-month forecast, your break-even ladder and a cost-of-money sheet that moves when you change your terms.

Look inside

2 full pages from the pack, exactly as printed. Click any of them to read it at full size before you decide.

What is in it

• Why a business can be profitable every month and still run out of cash
• The 2026 figures: 9 days late on average, and what "Net 30" really means
• What each payment term does to your lowest balance, from due-on-receipt to Net 90
• The month your first cash actually lands, for every term
• Break-even across a ladder of prices — the question the calculator cannot ask
• The price below which no volume saves you, and why
• What a 5% to 30% cost rise costs in units, at a fat, middling and thin margin
• Margin of safety by volume, and the level below which one quiet fortnight hurts
• Six terms that get you paid sooner without touching your price
• What an early-payment discount really costs, annualised — and why the textbook figure is wrong
• The same 2% that costs 76% a year on Net 14 and 8.6% on Net 90
• Which terms make offering a discount cheaper than borrowing, at your own rate
• How fast you can grow funded only by your own profit — by margin and collection cycle
• What one month of growth locks up in cash, before any of it comes back
• A year worked through: profitable every month, and still under water
• What to settle before sending the next invoice, and a fill-in sheet for your numbers
• PLUS a 12-month cash forecast as a live spreadsheet, built from your own figures
• PLUS a break-even ladder in the same workbook, driven by your costs and price

The pack complements the free calculators — they do the arithmetic, it carries the specifications and the plan they cannot know.