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Contractor Cash Flow Projection Template

Stop running out of money mid-job. Project your cash position 90 days out. A 12-month cash flow projection template for construction businesses — showing monthly income from project draws, outgoing payments to subs/suppliers/overhead, and projected cash balance. Know when you will need a line of credit before the crisis hits.

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What's Included

  • 12-month rolling cash flow grid (monthly columns)
  • Income rows: each active project with monthly draw/billing schedule
  • Expense rows: subcontractor payments, material purchases, payroll, overhead, equipment, taxes
  • Retainage receivable tracking (money owed but withheld until completion)
  • Retainage payable tracking (money you are withholding from subs)
  • Net cash position by month (income minus expenses)
  • Cumulative cash balance running total
  • Minimum cash reserve alert (flag when balance drops below target)
  • New project intake planning (add future projects to see impact)
  • Line of credit utilization tracker

Who This Is For

GCs and remodelers running more than 2-3 simultaneous projects. Construction cash flow is complex: you may be billing $200K this month but not receiving it for 30-60 days, while your subs need to be paid within 10 days. Without a forward-looking cash flow projection, you are flying blind. This template lets you see a cash shortage coming 60-90 days before it hits — when you can still do something about it.

What Professionals Say

★★★★★

Found out I was going to be $80K short in month 4 while building this template in February. Arranged the line of credit in March. Never would have seen it coming without this.

— Jason H., GC
★★★★★

My bank required a cash flow projection for a working capital loan. This template was exactly the format they needed and I built it in one afternoon.

— Rachel C., construction company owner
★★★★★

Stopped taking on new projects I could not actually afford. The cash flow projection shows immediately whether I have the capacity to start a new job.

— Marcus D., remodeling contractor

Frequently Asked Questions

Why is cash flow management so critical in construction?
Construction projects have a structural mismatch between when you pay (immediately — subs, suppliers, labor) and when you receive payment (30-60 days later, after billing and owner processing). A profitable project can still bankrupt a contractor through cash flow problems if they are not managed proactively.
What is retainage and how does it affect cash flow?
Retainage is the percentage (typically 5-10%) withheld from each progress payment by the owner as security for project completion. On a $500K project with 10% retainage, you are owed $50K that you will not receive until after final completion. This amount can tie up significant cash across multiple projects simultaneously.
How far out should I project cash flow?
A minimum of 90 days, and ideally 6 months on any active project. The goal is to identify potential shortfalls far enough in advance to arrange additional financing (line of credit drawdown, invoice factoring, accelerated billing) before you actually run short.

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Cash Flow Projection is part of the Builder Finance Kit — 7 financial tracking tools for $57

Builder Finance Kit — $57 Complete Builder Pro Kit — $97
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