How much funding will my construction project need?

The funding schedule shows how much loan or equity your plan requires and in which months, based on your own costs and timing. You see the funding you need before you break ground.

What is work-in-progress, and how does the model handle it?

Work-in-progress is the property cost and job costs you have spent on a project that is not yet delivered. The model carries them on the balance sheet until delivery, so the profit shows up in the month you deliver.

Can I test a cost overrun or a late sale?

Yes. Change a cost, a price or the delivery month and every statement updates, so you can compare the results side by side.

Can I cost each room by the square foot?

Yes. Choose Square - Foot as the unit and enter each room as its own line.

What if I hold more than one property?

Job costs are split between your properties by purchase cost.

Does it replace my estimating software?

No. It calculates from your own inputs and does not substantiate them.

Construction Cash Flow Model

Builder in a hard hat reviewing a framed house with a new kitchen

See your margin before you break ground.

Cash-Flow-Model.com turns your construction project into an 84-month projection of costs, financing, delivery and cash. You enter the purchase, the build costs, the loan and the sale. The model builds fully integrated financial statements in a GAAP-compliant format.

What you can model

Buying a property, rebuilding it and delivering it to the customer in a month you choose.
Build costs by trade: architect and engineering, subcontractors, lumber, concrete, electrical, flooring, hauling, landscaping and more.
Construction loans that draw as money is needed, with interest shown month by month.
Taxes from your own combined income tax rate, including individual owners.
Revenue from a completed project, a contract or a rental.

Numbers builders watch

Work-in-progress. Property cost and job costs are carried on the balance sheet until delivery, so the profit shows up in the month you deliver.
Gross margin per square foot over the next 12 months. For builders, the higher the number, the better.
Cash and loan balance month by month, so you see the funding you need before you break ground.

What you get

Income statement, balance sheet, statement of cash flows, funding schedule and an assumptions summary, for 84 months. Change a cost, price or delivery month and everything updates.

Who it is for

General contractors, spec-home builders, developers, owner-builders, lenders and advisors who need a clear answer before committing money.

Built from firsthand experience

This model comes from building homes and an office building in Ketchum, Idaho, and from years serving contractors at the Pro Desk at Home Depot and Lowe’s in Chicago. Read more about the company.

Common questions

The funding schedule shows how much loan or equity your plan requires and in which months, based on your own costs and timing. You see the funding you need before you break ground.
Work-in-progress is the property cost and job costs you have spent on a project that is not yet delivered. The model carries them on the balance sheet until delivery, so the profit shows up in the month you deliver.
Yes. Change a cost, a price or the delivery month and every statement updates, so you can compare the results side by side.
Yes. Choose Square - Foot as the unit and enter each room as its own line.
Job costs are split between your properties by purchase cost.
No. It calculates from your own inputs and does not substantiate them.

Videos on construction cash flow

Press about construction cash flow

Other industries

Cash Flow Model for Farming, Cash Flow Model for Upstream Oil & Gas and Cash Flow Model for Website Developers are built the same way. Not sure which fits? See all industries.