The Cash Flow Map™ — Finance Blueprint06 / 10
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06 OF 10 · MB BUSINESS BLUEPRINTS · 2026
The Cash
Flow Map™
Finally know your numbers. Revenue stacking, CAC:LTV, and a cash runway formula that tells you exactly where you stand every week.
Revenue StackingCAC:LTV Ratio3-3-3 Cash Rule
Process flow — happy path left to right · exceptions branch down
◯
START
new month starts
✓
PROFITABLE
week closed
01 · LOG
01 · LOG
Log All Revenue
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Every invoice logged on the day it is sent
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Retainer MRR first, this is your base and foundation
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Tag by type: retainer, project, or advisory seat
02 · COSTS
02 · COSTS
Categorize Costs
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Tools and subscriptions, audit this monthly
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Subcontractor fees logged per project, not monthly
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Your time cost: hours times your implied hourly rate
03 · MARGIN
03 · MARGIN
Calculate Margin
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Project margin = revenue minus subcontractor minus time cost
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Target: 50 percent per project, 40 percent blended minimum
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Below 40 percent triggers the audit branch below
04 · RUNWAY
04 · RUNWAY
Check Runway
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Cash on hand divided by monthly operating costs
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Target: 3 months minimum at all times, no exceptions
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Below 3 months activates the pipeline urgency branch
05 · INVOICE
05 · INVOICE
Invoice and Close Week
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Invoice on the day of milestone completion, never delay
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Outstanding over 30 days: follow-up call, not email
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Friday: update KPI dashboard with 6 core numbers only
⚠ MARGIN BELOW 40%
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Audit each subcontractor line by line immediately
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Are you underpricing or under-scoping the work?
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Raise rates or cut the lowest-margin service line
⚠ RUNWAY BELOW 3 MONTHS
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Immediate: contact your top 3 pipeline leads today
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Offer a retainer to your best existing client now
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Cut all non-essential tool costs this same week
LEGEND
Happy path
No / archive
Handle / recover
Methodology reference
Revenue Stacking Model3-layer architecture
60%
BASE LAYER: Monthly retainers. Covers all fixed costs. Build this first. Sleep well even with no new deals.
30%
MIDDLE LAYER: Fixed-scope projects. Known scope, 50 percent upfront, clear deadline. No time and materials.
10%
PREMIUM LAYER: Annual advisory seats. Monthly session. High margin, low time. Scarcity priced.
Rule: Always have the base layer before scaling project volume. Retainers are your foundation, not a bonus.
CAC and LTV Ratiounit economics
CAC
Cost to acquire one client. For referral-first operators: near SAR 0. This is your core moat.
LTV
Lifetime value from one client over the full relationship, including renewals and upsells.
3x
Minimum healthy ratio. LTV must be at least 3 times your CAC. Referral businesses should target 10x or more.
!
If LTV is low: fix retention. If CAC is high: fix your lead source. These are different problems.
Pro tips
Invoice on the Day
Send the invoice the moment a milestone is complete, not at the end of the week. Every hour between delivery and invoice is money you are lending for free.
50 Percent Upfront Always
Make it a policy from day one, not a negotiation point. Said once, never questioned again. It filters bad clients and protects your cash flow.
Common mistakes
Revenue Vanity
A SAR 50K month with SAR 40K in costs is a SAR 10K profit month. Track margin, not revenue. Vanity metrics feel good; profit pays rent.
No Retainer Base
Never start a month with zero guaranteed income. Build your retainer base before scaling project volume. One slow month should not end in panic.
Tool stack
Recommended Toolscost-optimized
INVOICING
Qoyod
VAT-compliant, auto-send, ZATCA ready for Saudi Arabia
SAR 99/mo
TRACKING
Notion or Sheets
Revenue log, margin calculator, KPI dashboard
FREE
CONTRACTS
PandaDoc
Proposals, contracts, and payment terms in one flow
FREE tier
PAYMENTS
PayTabs
Online payment links, SAR-native, instant setup
% per tx
MB. BUSINESS BLUEPRINTS — THE CASH FLOW MAP™ — FINANCE BLUEPRINT — MOHAMMED BADRAN — 2026 — ALL RIGHTS RESERVED