What the cash has to cover
Running balance uses bank cash plus confirmed deposits only.
Exceptions to review
Not counted as cash
Uncollected jobs and estimates stay outside the covered verdict until payment is confirmed.
Shown for contingency planning only. It does not make an obligation “covered.”
Cash events
Edit the demo schedule. Changes stay in this browser.
| Date | Cash event | Source | Confidence | Amount |
|---|
Source connections
Each source is read-only and carries its own freshness and evidence.
Plaid · 11 accounts identified
Not connected · First Service checking + savings · Citi Home Depot · 3 commercial Synchrony Lowe's cards with separate logins · BILL · Ally · TD Bank.
Housecall Pro · customer payments
Not connected · Payout status, net deposit amount, payment date and expected bank date.
QuickBooks Online · bills and accounting
Not connected · Open bills, recurring obligations, vendor history and reconciliation support.
Gmail · Whitney payroll notices
Not connected · Approved sender: whitney@financialgrowthservicesllc.com · subject pattern and redacted sample still needed.
Twice-daily audit email
Proposed delivery: 6:30 AM and 4:30 PM America/Chicago.
Go-live checklist
The order matters: establish bank truth first, then layer expected activity.
Apply the confirmed cash controls
First Service checking funds operations; savings is protected reserves. Trigger a warning if either account falls below $1,000. The forecast does not silently transfer savings into checking or use credit availability to mark bills covered.
Connect eleven accounts
Kyle/admin connects First Service Credit Union checking and savings, the Citi Home Depot card, each of the three commercial Lowe's cards through its separate Synchrony login, the BILL card, three Ally vehicle loans, and the TD Bank auto loan. Plaid will be tested for each institution; direct provider or QuickBooks data may supplement unsupported cards or loans. Credentials are entered only into the provider's authorized connection screen.
Connect Housecall Pro payouts
Use the My Money payout view or an approved export/API feed to ingest “pending,” “in transit,” “paid,” expected deposit date and net amount. Only “in transit” or equivalently evidenced payouts become confirmed incoming cash.
Connect QuickBooks Online
Authorize Accounting read access. Import open bills, vendor due dates, recurring transactions and historical payment patterns. Plaid remains the cash balance authority; QuickBooks supplies planned obligations and accounting context.
Authorize Whitney payroll email
Use a dedicated Gmail integration with read-only access and a narrow search query for whitney@financialgrowthservicesllc.com plus the approved payroll subject pattern. Parse pay date, debit amount and funding deadline; route low-confidence or changed figures to review before forecasting.
Backtest, approve, then automate
Load 90–180 days of bank and bill history, match deposits and debits, tune recurring-bill rules, and run seven days in shadow mode. After management signs off on variance tolerances, activate the twice-daily email and alert only on shortfalls, stale feeds, changed payroll or unexpected debits.