THE CASH FLOW CODE SYSTEM
Your Business Is Profitable.
So Why Does Your Bank Balance Still Feel Tight?
▼WATCH THE VIDEO BELOW
No fluff. No hard sell. Just 15 minutes that could change how you see your business finances.
In the next 15 minutes, discover exactly where your cash is going and the one lever that will free it up fastest.
No guesswork. No spreadsheets from scratch. No accounting jargon.
At the centre of Cash Flow Code is a powerful Cash Flow Simulator — the same system used to uncover thousands in hidden cash inside real businesses.
You plug in your numbers. It shows you what’s happening — and what to fix.
The Real Problem
You don't have a revenue problem.
You have a financial blindness problem.
Most business owners are flying blind when it comes to their cash flow. The Cash Flow Code System gives you the clarity, control and confidence to finally see exactly what's happening in your business finances - and what to do about it
Cash leaks compound
Stress compound
Decisions get riskier
Every month you delay:
— More cash gets stuck in receivables
— More sits idle in stock
— More disappears through unnoticed margins
This isn’t something that fixes itself.
The Cash Flow Code System
This isn’t a course.
It’s a complete cash flow control system.
Designed to help you do what no static spreadsheet can.
Diagnose
Understand
Fix
Forecast
Optimise for sustainable growth
The 6 Levers That Control Your Cash
Every business without exception runs on these six levers.
You might be unknowingly leaking cash through at least one of these.
Cash Flow Code shows you exactly:
Within Your First Session
Most business owners get their first “aha” moment in under 15 minutes.
IDENTIFY
You’ll identify at least one hidden cash leak.
KNOW
You’ll know exactly what to fix first.
SEE
You’ll see the financial impact before taking action.
What do I actually need to get started?
No accountant required. No bank statement deep-dive. No afternoon of number-crunching.
To run your first cash flow simulation, you need exactly seven numbers:
3 figures
from your P&L (profit and loss statement)
3 figures
from your from your balance sheet
1 figure
from your current bank balance
That's it. Most business owners have these to hand in under five minutes.
You’re five minutes of prep away from your first cash flow breakthrough.
One-time payment · Immediate access · Risk-free
What You’re Getting
Inside Cash Flow Code
If these were sold separately, here’s what you’d expect:
Cash Flow Simulator
Core engine
$497
Full Cash Flow Code eBook
eBook
$17
Cash Flow Forecast & Plan
Plan ahead with clarity
$97
Working Capital Cycle Tool
Map your cash cycle
$47
True Cost Formula
Know your real margins
$47
High Impact Cheat Sheet
Get moving in hours
$47
BONUSES!
$197
Total Value
$949
One-time payment · No subscription · No recurring fees.
But you’re not paying $949.
You’re not even paying $497.
Cash Flow Code is a one-time investment of:
$97
If this system were delivered through consulting or financial advisory,
it would easily run into four figures.
Cash Flow Code puts that same level of clarity and control directly in your hands —
designed to be:
ACCESSIBLE
IMMEDIATE
ACTIONABLE
Real Results
Real business owners have already used this system to unlock significant cash.
I had no clue how much cash was slipping through the cracks. Using this systematic approach and logic unlocked $44,000 every single week – money I'm now reinvesting to fuel exciting growth opportunities.
Aaron C.
Director | Drainage & Infrastructure Industry
Cliff effectively taught me cash flow management, enabling structured financial presentations to secure financing and partnerships. Highly recommend his results-driven approach.
Amanda R.
Executive Career Coach | Leadership & Consulting Sector
Cliff's coaching transformed my business, refining strategy and improving operational efficiency – especially with invaluable cash flow forecasting insights. A true game-changer.
Rebecca K.
Director | Professional Services
Is This For Me?
This is for you if...
Your business is profitable but cash always feels tight
You know money is coming in — but you can never quite see where it's going.
You want answers, not just reports
You're done with backwards-looking spreadsheets. You want to know what to do next.
You're ready to spend 15 minutes to change how you run your finances
You don't need to be an accountant. You just need seven numbers and 15 minutes.
You're a business owner, not a finance team
Built for owners who run the business, not for CFOs who live in spreadsheets.
This is NOT for you if...
You're looking for someone to manage your finances for you
This is a system you run yourself. It gives you control, not dependency.
You want a magic fix without understanding your numbers
You do need to know your seven figures. This is clarity, not guesswork.
You're happy flying blind
If you're not ready to see what's really happening in your cash flow, this isn't for you yet.
You're looking for an accounting service or bookkeeping tool
The Cash Flow Code works alongside your accountant. It doesn't replace them.
One-time payment · Immediate access · Risk-free
Why This Is Different
Why The Cash Flow Code – and Not Just Use Your Accountant?
Your accountant is brilliant at what they do.
But there's a fundamental gap between what they deliver and what you actually need day-to-day:
NOW
What’s happening now
NEXT
What happens next
ACT
What to do about it
BIGGEST DIFFERENCE: Your accountant focuses on the history.
The Cash Flow Code focuses on the FUTURE.
Accountants work with historical data. Cash Flow Code is built to show you the next 12 months – so you can plan, not just react.
Built for owners, not finance teams.
You don't need a finance qualification to use this. You need access to your basic P&L, balance sheet and bank statements. We show you exactly what to pull – and what to do with it.
From 20+ years of real-world business ownership – not theory.
Every lever in Cash Flow Code comes from hard-won experience starting, buying, running and selling businesses across retail, education, health and construction. This isn't a textbook. It's a system that's been tested in the real world.
Every module ends with a specific action and a measurable cash impact.
Not vague advice. Specific moves – reduce debtor days by 7, negotiate an extra 15 creditor days – modeled directly in the Simulator so you can see the cash impact before you act.
MEET the creator
Hi, I'm Cliff Spolander - I'm the CEO of Business By Design, the UK's leading exit planning advisory company.
Author of The Cash Flow Code and The Smarter Exit, and strategic advisor helping business owners move from overwhelmed to in control.
My work is built on one belief: that most business owners don't have a revenue problem - they have a cash flow clarity problem.
When you can finally see the full picture of your finances and understand the levers available to you, everything changes. That's exactly what the Cash Flow Code System is designed to give you.
If you're ready to stop guessing and start knowing – this is for you.
One-time payment · Immediate access · Risk-free
CASH FLOW CODE
Your complete cash flow control system.
CASH FLOW CODE
A practical, step-by-step system that helps you see where your cash is going, fix what’s holding it back, and forecast with confidence — without needing an accounting background.
One-time payment. Instant Access.
Work for any business.
Real Results
These aren’t one-off results, they come from finally seeing where cash is stuck, and knowing exactly what to change.
This course is a gift. Cliff's real-world cash flow expertise is fundamental to success. It's the clear pathway to peace of mind and a thriving business.
Paul W.
Chief Executive | Accountancy & Advisory Sector
Through Cliff's program, I gained a much better understanding and control of my cash flow, leading to smarter growth decisions. His book, The Cash Flow Code, is excellent.
Lisa D.
Founder & CEO | Health & Wellness Sector
Cliff's extensive knowledge in finance, particularly in maximising cash flow, has been a significant asset to my business. He is reliable and always helpful.
Marc F.
Director | Construction & Civil Engineering Sector
The Cash Flow Code Guarantee
Work through the Cash Flow Code System
If you can't identify at least one clear opportunity to improve your cash position, I'll give you a full refund.
No awkward conversations, no hoops to jump through. If it doesn't deliver clarity, you don't pay.
THE DECISION IS SIMPLE
You already know what needs to happen next.
option 1
Keep doing what you’ve been doing —
and stay stuck guessing where your cash is going.
option 2
Get clear on your cash in the next 15 minutes -
and take back control of your business.
The cash is already in your business.
This isn’t about whether it’s there —
it’s about whether you’re in control of it.
One-time payment · Immediate access · Risk-free
Your Questions, Answered
Still on the fence?
Here are the questions we hear most often
Do I need to understand accounting to use this?
No. You need access to your basic P&L, balance sheet and bank statements. We show you exactly what numbers to pull – and what to do with them. If you can read your bank account, you can use Cash Flow Code.
Does Cash Flow Code work outside the USA?
Cash flow doesn't respect borders. Whether you're running a business in the UK, Australia, Canada, South Africa, Ireland, New Zealand or anywhere else, the principles are identical. Debtor days, creditor days, stock days, cost of sales, expenses and sales are universal levers that every business on the planet pulls – whether they know it or not.
The eBook, Simulator and templates are built around fundamental business finance principles, not country-specific tax codes or accounting regulations. You plug in your numbers in whatever currency your business operates in and the system works exactly as intended.
The cash flow challenges this addresses – slow-paying customers, tight supplier terms, cash stuck in stock, margin quietly leaking – are just as common in Birmingham, Brisbane, Toronto and Cape Town as they are in Boston. The levers are the same. The relief of finally understanding them is the same too.
If you run a business, this works for your business.
How is this different from what my accountant does?
Your accountant reports on history. Cash Flow Code helps you manage what's coming. The two complement each other – this gives you the owner-level view and the practical levers; your accountant handles the compliance and reporting.
What software does the Simulator work with?
It's a standalone tool. You export your figures from Xero, QuickBooks, Sage or any other system and plug them in. No integration required.
How long before I see results?
Many owners see a measurable improvement in debtor days or cash position within 30–90 days of acting on the templates. The Quick-Start Cheat Sheet is specifically designed to get you your first win fast.
What if my business has no stock?
You'll focus on the other five levers – particularly debtor days, creditor days, expenses and cost of sales. The system works across service businesses, product businesses and everything in between.
Do I need exact financial figures?
Best estimates work fine. If you're within 10–20% on your numbers, the insights will be actionable. The goal isn't audit-level precision – it's clarity on which lever matters most right now.
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