A plan can be profitable on paper and still run out of cash. Our five-year projection builds the income statement, balance sheet, and cash flow together, so you can see where the money comes from each year.
You keep the accounting software you use today. The platform works from its standard reports.
Year one is your trailing twelve months of actual results, so the plan starts from where you really are.
Growth, margins, and capital spending drive all three statements at once.
When cash would fall below your minimum, the line of credit draws. When the line is full, the shortfall appears as an unfunded gap instead of disappearing.
Profitable is not the same as fundable.
Banks lend against plans that balance. Seeing the year-3 gap today gives you time to negotiate a larger line, slow growth, or delay a purchase.
A sample page from a client package. The company and figures are fictional.
| Revenue | EBITDA | Ending cash | Line balance | Balance check | |
|---|---|---|---|---|---|
| Year 1 | $17,861,500 | $2,690,000 | $1,284,600 | $450,000 | $0.00 |
| Year 2 | $19,469,000 | $2,979,000 | $500,000 | $380,000 | $0.00 |
| Year 3 | $21,027,000 | $3,280,000 | $500,000 | $120,000 | $0.00 |
| Year 4 | $22,499,000 | $3,555,000 | $880,000 | $0 | $0.00 |
| Year 5 | $23,849,000 | $3,816,000 | $1,640,000 | $0 | $0.00 |
The expansion draws on the line in years 2 and 3, and the line is fully repaid in year 4. Cash never falls below the $500,000 minimum, and the balance sheet balances in every year.
Comparisons describe the standard features of widely used small-business accounting software, as published by their makers in October 2026. Those products change often; we review this page every quarter.
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