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.
What’s inside
- 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
Run one of the free calculators first and buy from that page, and this sheet is computed from your own figures. Buy from here and the pack still arrives complete — the sheet simply has no numbers of yours to work from yet.
14-day refund, no questions asked. If the pack is not what you needed, email support@graburl.com and we refund you in full — you do not have to justify it or delete the file. Full policy.
$19.00 including any taxes · PDF, 11 pages · instant download, link valid 7 days and 5 downloads.
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