Cash Flow Coaching™

Because Busy and Broke Shouldn't Go Together

You're generating revenue. You're working hard. So why does it feel like there's never enough cash in the account?

This is the most common financial frustration we hear from business owners — and it almost always comes down to the same thing: cash flow isn't understood, so it can't be managed.

PCS Cash Flow Coaching™ is a structured program that changes that. We take business owners who feel like passengers in their own finances and turn them into confident, informed decision-makers — without turning them into accountants.

Developed in partnership with the Business Development Bank of Canada (BDC),

Cash Flow Coaching™ has helped business owners across Canada understand their

numbers, control their cash, and build financial resilience that lasts.

What You'll Actually Learn

1.

Why You Can Be Profitable and Still Run Out of Cash

Profit and cash are not the same thing. Understanding the timing gap between earning revenue and actually collecting it — and between owing expenses and paying them — is the foundation of cash flow management. We make this clear, practical, and immediately applicable to your business.

For E-Commerce Business Owners

E-commerce cash flow has unique traps. Inventory is a cash vacuum — you pay for stock weeks or months before it converts to revenue. Seasonal spikes require upfront cash

investment. Return rates affect real cash in ways that your revenue numbers don't show.

We'll show you:

• How to forecast inventory cash requirements before they become a problem

• When to use a line of credit vs when to hold cash

• How to read your unit economics so every product decision is financially grounded

• How to manage payment processor delays and their impact on your available cash

For Trades & Construction Business Owners

Trades businesses face a brutal cash flow reality: you often spend cash before you get paid.

Labour, materials, subcontractors — all outflows before the invoice. And in construction, holdbacks can tie up significant cash for months.

We'll help you:

• Build a cash flow forecast tied to your project schedule — so you see gaps weeks ahead

• Structure your invoicing and payment terms to close the cash timing gap

• Manage holdback periods without stressing your operating cash

• Use financing strategically — lines of credit as a tool, not a lifeline

2.

How to Build a 13-Week Cash Flow Forecast

This is the single most practical financial tool a business owner can have. We walk you through building one for your specific business — and more importantly, how to use it to make decisions, not just report history.

3.

Pricing for Real Profitability

Are you actually making money on every sale — or are some products, services, or jobs cross- subsidizing others without you knowing? We break down margin analysis in plain language so every pricing decision is made with full information.

4.

Accessing Financing — as a Strategy, Not a Crisis

Most business owners access financing when they're desperate. We teach you to use it proactively — knowing when a line of credit accelerates growth, how to present your financials to lenders, and how to structure debt so it works for you.

MEET THE FOUNDER & CEO

How It's Delivered

One-on-one coaching

personalized sessions with a PCS financial coach, built entirely

around your business and your specific situation.

Group workshops:

learn alongside other business owners in facilitated, interactive

sessions — and benefit from the shared experience in the room.

Cashflow Canvas™ certified:

our coaching methodology is built on the formally certified Cashflow Canvas™ framework — a structured, proven system for understanding and managing business cash flow.

BDC partnership:

PCS delivers Cash Flow Coaching™ in partnership with the Business

Development Bank of Canada for eligible clients. This is a nationally recognized program — not a generic course.

Self-paced online modules:

for business owners who want to learn on their own schedule.

Partner With PCS to Maximize Your Firm’s Profitability

Don’t let messy books or unclear numbers hold your firm back. At PCS, we help professional services firms across Canada streamline operations, protect margins, and plan with confidence.

Book your free consultation today and see how professional‑grade accounting can support your next level of performance.