Lost profits due to poor financial management are common with small businesses.

  • More than half of U.S. businesses have lost $10,000 or more by foregoing a project or sales specifically due to issues created by insufficient cash flow. (Quickbooks study)
  • 82% of small businesses fail because of poor cash flow management skills or poor understanding of cash flow (U.S. Bank)

A cash flow projection is the most important tool to master your cash flow.

A cash flow projection can help you:

  • Identify “cash leaks” that are draining your profits
  • Spot periods of low cash flow before they become a crisis
  • Know when you have the cash to capture opportunities
  • Plan your dividends and equity distribution

This course provides an easy template and shows you how to use it to reduce stressful cash flow surprises and position you to capture the next big opportunity.

You’ll also receive:

  • A cash flow template for Microsoft Excel (can also be used in Google Sheets)
  • Step-by-step video instructions on how to use the template.
  • Video courses on the importance of cash flow, understanding your past cash flows, and the benefits of cash flow projections.
  • A document that explains different methods for projecting your cash flows.

Join the over 1,000 people who have enrolled in CFO Perspective courses!

"Rob can speak in financial terms anyone can understand and while making it fun."

"Rob is passionate about helping business owners succeed, is intelligent and knowledgeable, and is a great communicator, facilitator, and teacher. And he does all this in a fun and approachable manner."

"Rob Stephens has a calm, reassuring manner and heart of a teacher. He has been a pleasure to know and is very effective at the service he provides."

Course curriculum

  • 1

    Understanding Cash Flow Statements and Projections

    • Overview and the Importance of Cash

    • PDF of Slides

    • How Historical Cash Flow Statements Help You Understand Your Cash Flow

    • Benefits of a Cash Flow Projection

    • Cash Flow Projection Template

    • Ways to Project Numbers

  • 2

    Step-by-Step Example

    • Landon's Landscape Supplies Documents

    • Overview of the Projection Template

    • Operational Cash Inflows

    • Operational Cash Outflows

    • Modeling Your Options

    • Other Resources, Congratulations, and Thanks

    • Help Me Improve This Course

    • Testimonial

Choose the template and guidance that fits you best:

  • Training, Custom Template, 1 Hour Consulting $99

    Want someone to help you build your projection? We'll work together via Zoom to build your cash flow projection. Before the meeting, I prep your template with the projection methods of your choice. This comes with the training videos and a customized template.

  • Training and Custom Template $49

    I'll customize a 36-month cash flow projection template to your chart of accounts filled with your past year's monthly average cash flows. You get three times the projection periods of the basic template and it's easier to fill out because it's customized to you.

  • Training and Basic Template $19

    Get the training and a basic 12-month template with standard cash inflow and outflow rows.

Get the Course with No Risk

There is no risk to you. You can leave within the first 30 days with a full refund. I want you to be 100% satisfied with what you’re receiving from me.

Want a customized template and some help creating your projection?

You can get a template that's customized to your chart of accounts (list of income and expense categories). It's a 36-month template, which is three times as long as the basic template. The customized template is not much more money, but is much more useful and easy to use. You also have the option for me to help you fill it out.
Learn More about Custom Template and Consulting Options
  • $99.00

    $99.00Create a Cash Flow Projection with a 36-Month Customized Template and Consulting

    Get the customized template plus two hours of expert time helping you create your cash flow projection. I'll join you via Zoom to work with you on your customized template.
    Buy Now
  • $49.00

    $49.00Create a Cash Flow Projection with a 36-Month Customized Template

    For those who want a template customized to their chart of accounts but want to do all the projection work themselves.
    Buy Now
  • $19.00

    $19.00Create a Cash Flow Projection With a 12-Month Template

    Buy Now


Founder, CFO Perspective

Rob Stephens

Rob Stephens is the Founder of CFO Perspective, where he provides financial consulting and education to small businesses. He has been quoted in Forbes, U.S. News and World Report, Business Insider, Business News Daily, and many other news sources. Rob has a 20-year career that includes serving as CFO for two banks and a health clinic system. He was also Director of Operations at a $4 Billion bank and SVP of Finance of a $2 Billion credit union, where he was Program Manager of an investment advisory group with $170 Million in assets under management. Rob teaches the entrepreneurial finance class to MBA students at Gonzaga University. Rob holds a Masters of Science in Personal Financial Planning and a Graduate Certificate in Financial Therapy from Kansas State University. He received a B.A. in Business Administration from the University of Washington and is a CPA.