# 275. Stop Scrambling for Payroll: The 90-Day Cash Flow System for Contractors - Danny Kerr

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Text version: https://stenobird.com/podcast/contractor-evolution-3408199/275-stop-scrambling-for-payroll-the-90-day-cash-flow-system-for-contractors-danny-kerr.md
Podcast: [Contractor Evolution](https://stenobird.com/podcast/contractor-evolution-3408199)
Published: 2026-06-03T09:00:00+00:00
Episode link: https://contractor-evolution.cohostpodcasting.com/episodes/275-stop-scrambling-for-payroll-the-90-day-cash-flow-system-for-contractors-danny-kerr
Audio file: https://audio-delivery.cohostpodcasting.com/audio/80ce389c-8012-4761-a61d-5571d4302fa4/episodes/d8957ba1-26fa-44ce-99a8-89578f9bd6d2/episode.mp3
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Duration seconds: 3613

## Resource

To learn more about Breakthrough Academy, click here: https://trybta.com/EP275   Download your free Cash Flow Resource Bundle here: https://trybta.com/DL275 You're winning jobs, billing strong — and still sweating payroll every two weeks. Cash timing slips. Payroll doesn't. Here's how to fix it. In this episode, Danny Kerr breaks down the exact cash flow management system BTA has used with 1,900+ contractors to stop the financial panic and start projecting 90 days ahead, so you can make growth decisions with intention, not desperation. What you'll learn: The 5 cash flow killers quietly draining your roofing contractor business (weak deposits, slow collections, and more) How to build a simple weekly cash flow system — so you know what you can spend before you hire, buy, or market How to project your cash position 90 days out and spot payroll pressure before it hits The financial benchmarks $10MM contractors actually use How to stop playing financial roulette and build real confidence in your numbers Whether you're at $1M or pushing $10M, cash flow management isn't optional — it's the difference between scaling and gambling. 00:00-Intro 09:32-Developing Annual Budgets 19:20-Effective Job Costing 23:48-Industry Profit Benchmarks 28:04-Strategic Cash Flow 32:28-Avoiding Cash Flow Destroyers 41:22-Using Cash Flow Projections 53:43-Expense and Overhead Q&A

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