The 90 Day Profit & cashflow operating system
Build a more profitable business in the next 90 Days Without working more hours
The 90 Day Profit & Cashflow Operating System helps NZ business owners improve profit, strengthen cashflow, and finally understand the numbers driving their business.
This is not traditional bookkeeping.
This is a financial operating system for business growth.
This is not traditional bookkeeping.
This is a financial operating system for business growth.
What you need(section 3)
Most businesses don't need more reports they need a better operating system
A business without financial systems is like driving with no dashboard
You might still be moving.
But you can’t clearly see:
where cash is going
what’s actually profitable
what decisions are hurting margin
whether growth is helping or hurting
That’s why we built the 90 Day Profit & Cashflow Operating System™.
A practical framework combining:
bookkeeping foundations
live financial visibility
cashflow forecasting
profit improvement strategy
pricing analysis
accountability
quarterly business planning
So you can finally lead your business with clarity and confidence.
But you can’t clearly see:
where cash is going
what’s actually profitable
what decisions are hurting margin
whether growth is helping or hurting
That’s why we built the 90 Day Profit & Cashflow Operating System™.
A practical framework combining:
bookkeeping foundations
live financial visibility
cashflow forecasting
profit improvement strategy
pricing analysis
accountability
quarterly business planning
So you can finally lead your business with clarity and confidence.
Vision to Plan Strategy Session
A half-day strategy session where we dive deep. We map out where your business is now to where you want it to go, what's creating pressure, what needs to improve financially, and what the next 90 days should focus on. This becomes the strategic foundation for the entire program. (4 hours, and we get the lunch)
Financial Foundations
We strengthen the financial foundations of the business so you can clearly see where the cash is going, what's driving profitability, where pressure is building, and what decisions will improve growth. Together we create real-time financial visibility and meaningful business reporting. We create stronger cashflow awareness and clearer performance insights. This is the financial structure designed for growth.
Profit Diagnostics
The Profit Diagnostic is often the moment business owners realise their business has far more potential than they thought. Using your real numbers, we uncover the key drivers behind your profit and cashflow and model the impact small strategic improvements could make across your business. Most business owners are surprised by how powerful even small changes can be when they happen in the right areas. The result is more clarity, stronger decision-making, and a clear picture of what’s truly possible over the next 12 months
Cashflow Visibility Plan
Our cashflow visibility plan gives you a rolling 12-week view of the money moving through your business so you can stop reacting to cashflow problems and start planning ahead with confidence. We map out tax obligations, payroll commitments, loan repayments, and seasonal fluctuations, just to name a few.
Accountability & Ongoing Advisory
Two monthly 60-minute 1:1 sessions. Every month we review the numbers, the progress, the challenges, the opportunities, and the next priorities, so you always know what's working, what needs attention, and what decision comes next.
You stop reacting
You start leading
You stop reacting
You start leading
Final Review Session
At the end of the 90 days we do a transformation review. We look at whats improved, financial wins, clarity gained, systems improved and the next growth phase.
The outcome
vision → goals → foundation → profit → cashflow → Implementation → momentum
vision → goals → foundation → profit → cashflow → Implementation → momentum
"I went from dreading my numbers to actually using them to grow my business."
The Profit and Cashflow Operating System puts your Vision into a Plan, gives you a clear picture of your numbers, a 90-day action plan with your top priorities, and the confidence to make financial decisions on your own.
where you are (section 2)
The numbers aren't the problem. The lack of clarity is.
Most business owners don’t struggle because they’re bad at business.
They struggle because nobody ever taught them how to truly understand the numbers behind growth, cashflow, pricing, and profit.
So they work harder.
Stay busy.
Keep pushing forward.
But underneath it all, there’s often uncertainty.
Cashflow feels unpredictable
Profit never seems to match the effort
Tax bills create stress
Pricing feels like guesswork
Decisions feel reactive
Growth creates pressure instead of freedom
And eventually, the business starts running the owner.
Not the other way around.
They struggle because nobody ever taught them how to truly understand the numbers behind growth, cashflow, pricing, and profit.
So they work harder.
Stay busy.
Keep pushing forward.
But underneath it all, there’s often uncertainty.
Cashflow feels unpredictable
Profit never seems to match the effort
Tax bills create stress
Pricing feels like guesswork
Decisions feel reactive
Growth creates pressure instead of freedom
And eventually, the business starts running the owner.
Not the other way around.
90 Day Profit and cashflow operating system
A step-by-step financial growth system designed to help you gain clarity, improve cashflow,
Phase 1
Visiont Plan Intenstive
(Weeks 1)
Visiont Plan Intenstive
(Weeks 1)
Get clear on where you are, where you want to go, and what’s standing in the way.
Most business owners are so busy running the business they never stop to step back and properly map out the bigger picture.
This half-day strategic session is designed to help you reconnect the business to your goals, your numbers, and the future you’re trying to build.
Together, we identify:
business goals and priorities
financial frustrations and pressure points
profit and cashflow challenges
growth opportunities
what the next 90 days should focus on
You’ll leave with:
✔ Greater clarity and direction
✔ Defined financial priorities
✔ A practical 90-day focus plan
✔ A clearer understanding of what needs to change
Most business owners are so busy running the business they never stop to step back and properly map out the bigger picture.
This half-day strategic session is designed to help you reconnect the business to your goals, your numbers, and the future you’re trying to build.
Together, we identify:
business goals and priorities
financial frustrations and pressure points
profit and cashflow challenges
growth opportunities
what the next 90 days should focus on
You’ll leave with:
✔ Greater clarity and direction
✔ Defined financial priorities
✔ A practical 90-day focus plan
✔ A clearer understanding of what needs to change
Phase 2
Financial Foundation
(Week 3)
Financial Foundation
(Week 3)
Build the financial visibility needed to make confident business decisions.
Strong growth starts with strong financial foundations.
In this phase, we strengthen the systems and financial visibility underneath the business so you can clearly see:
where cash is going
what’s driving profitability
where pressure is building
and what decisions need attention
This isn’t just bookkeeping.
It’s about creating a financial operating system that gives you cleaner data, better visibility, and more meaningful insights.
Together, we:
improve financial visibility
strengthen reporting structures
identify gaps and inefficiencies
optimise systems and workflows
build clearer business insights
You’ll leave with:
✔ Cleaner financial systems
✔ Better reporting visibility
✔ More reliable financial data
✔ Greater confidence in your numbers
Strong growth starts with strong financial foundations.
In this phase, we strengthen the systems and financial visibility underneath the business so you can clearly see:
where cash is going
what’s driving profitability
where pressure is building
and what decisions need attention
This isn’t just bookkeeping.
It’s about creating a financial operating system that gives you cleaner data, better visibility, and more meaningful insights.
Together, we:
improve financial visibility
strengthen reporting structures
identify gaps and inefficiencies
optimise systems and workflows
build clearer business insights
You’ll leave with:
✔ Cleaner financial systems
✔ Better reporting visibility
✔ More reliable financial data
✔ Greater confidence in your numbers
Phase 3
Profit & Cashflow Diagnostic
Week 5
Profit & Cashflow Diagnostic
Week 5
Understand what’s really driving — or draining — your business growth.
This is where the numbers start telling a story.
Together, we review the key drivers impacting:
profit
pricing
margins
cashflow
customer value
and overall business performance
We identify:
hidden profit leaks
cashflow pressure points
opportunities for improvement
and the changes that could create the biggest impact in the business
Included in this phase:
Cashflow Visibility Plan™
A rolling 12-week cashflow plan designed to help you proactively manage upcoming cashflow, expenses, tax obligations, payroll, and business commitments.
So instead of reacting to the bank balance, you can start planning ahead with confidence.
You’ll leave with:
✔ Greater cashflow visibility
✔ Profit improvement opportunities
✔ A clearer understanding of business performance
✔ Strategic financial insights you can act on
This is where the numbers start telling a story.
Together, we review the key drivers impacting:
profit
pricing
margins
cashflow
customer value
and overall business performance
We identify:
hidden profit leaks
cashflow pressure points
opportunities for improvement
and the changes that could create the biggest impact in the business
Included in this phase:
Cashflow Visibility Plan™
A rolling 12-week cashflow plan designed to help you proactively manage upcoming cashflow, expenses, tax obligations, payroll, and business commitments.
So instead of reacting to the bank balance, you can start planning ahead with confidence.
You’ll leave with:
✔ Greater cashflow visibility
✔ Profit improvement opportunities
✔ A clearer understanding of business performance
✔ Strategic financial insights you can act on
Phase 4
Implementation & Momentum
Week 7 + Week 9
Implementation & Momentum
Week 7 + Week 9
Turn strategy into action with ongoing support and accountability.
Clarity alone doesn’t create growth.
Implementation does.
Over the final stage of the program, we work together to review progress, track priorities, and keep momentum moving forward.
These sessions are designed to help you:
stay focused
make confident decisions
track financial progress
solve challenges early
and continue building a stronger business
Through ongoing advisory sessions, we:
review KPIs and financial performance
track progress against goals
identify new opportunities
adjust priorities where needed
and keep the business moving forward strategically
You’ll leave with:
✔ Clear next steps
✔ Ongoing strategic support
✔ Greater confidence in decision-making
✔ Momentum and accountability
Clarity alone doesn’t create growth.
Implementation does.
Over the final stage of the program, we work together to review progress, track priorities, and keep momentum moving forward.
These sessions are designed to help you:
stay focused
make confident decisions
track financial progress
solve challenges early
and continue building a stronger business
Through ongoing advisory sessions, we:
review KPIs and financial performance
track progress against goals
identify new opportunities
adjust priorities where needed
and keep the business moving forward strategically
You’ll leave with:
✔ Clear next steps
✔ Ongoing strategic support
✔ Greater confidence in decision-making
✔ Momentum and accountability
Phase 5
Final review & next growth plan
Week 12
Final review & next growth plan
Week 12
Review the progress, reflect on the wins, and map out the next stage of growth.
This final session brings everything together.
We step back and review:
the progress made over the past 90 days
improvements in profit and cashflow visibility
key business and financial wins
areas that still need attention
and the biggest opportunities moving forward
Together, we identify the priorities, focus areas, and next steps for the quarter ahead — so the momentum and clarity built throughout the program continues beyond the initial 90 days.
This final session brings everything together.
We step back and review:
the progress made over the past 90 days
improvements in profit and cashflow visibility
key business and financial wins
areas that still need attention
and the biggest opportunities moving forward
Together, we identify the priorities, focus areas, and next steps for the quarter ahead — so the momentum and clarity built throughout the program continues beyond the initial 90 days.
Investment
Your Investment.
$6,000 + gst
Price depends on the complexity of your business and how much financial analysis work is needed. Most businesses sit at $6,000–$7,500.
This includes:
✔ Vision to Plan™ Intensive
✔ Financial Foundations Workshop™
✔ Profit & Cashflow Diagnostic™
✔ Cashflow Visibility Plan™
✔ Strategic Advisory & Accountability Sessions
✔ Pre-session preparation and financial analysis
✔ Meeting notes and action steps after every session
✔ Access to resources, tools, and templates throughout the program
This is a high-touch program designed for businesses serious about improving profit, cashflow, and financial clarity.
This includes:
✔ Vision to Plan™ Intensive
✔ Financial Foundations Workshop™
✔ Profit & Cashflow Diagnostic™
✔ Cashflow Visibility Plan™
✔ Strategic Advisory & Accountability Sessions
✔ Pre-session preparation and financial analysis
✔ Meeting notes and action steps after every session
✔ Access to resources, tools, and templates throughout the program
This is a high-touch program designed for businesses serious about improving profit, cashflow, and financial clarity.
Or $2,000/month
Pay monthly instead of upfront. Same program, same value, spread across three months.
Who it's for
- Been in business 2+ years
- Know profit/cashflow are a problem but don't yet understand why
- Ready to change your relationship with your numbers
- Need support beyond bookkeeping and compliance
- Want more structure, strategy, and accountability
- Ready to grow with a proper plan
- Want support from someone who understands both business and numbers
run the business you love
Imagine running your business like this
- You understand your numbers
- Cashflow stops feeling stressful
- You know what's profitable
- You make decisions faster
- You stop second-guessing yourself
- You finally have a plan
- You know exactly what to focus on next
- Your business starts supporting your life again
This is what happens when your financial systems, strategy and decision-making finally work together.
What clients say
Why business owners work with Little Black Books
We're not a traditional bookkeeping or accounting firm.
We combine financial foundations, cashflow visibility, profit strategy, and business advisory into one practical operating system designed to help NZ businesses grow with clarity and confidence.
Because growth without financial visibility creates pressure.
And messy numbers lead to reactive decisions.
That’s why we start by stepping back and looking at the bigger picture through our Vision to Plan process helping business owners reconnect their goals, financial priorities, and growth strategy before building the systems and numbers underneath it.
From there, we strengthen the financial foundations of the business and turn the numbers into meaningful insights, clearer decisions, and practical action.
At Little Black Books, we believe business owners deserve:
✔ Clean, reliable financial data
✔ Clear direction and financial visibility
✔ Proactive cashflow and profit support
✔ Practical advice grounded in real numbers
✔ Systems that create clarity, not confusion
✔ A financial partner who feels like part of the team
We combine financial foundations, cashflow visibility, profit strategy, and business advisory into one practical operating system designed to help NZ businesses grow with clarity and confidence.
Because growth without financial visibility creates pressure.
And messy numbers lead to reactive decisions.
That’s why we start by stepping back and looking at the bigger picture through our Vision to Plan process helping business owners reconnect their goals, financial priorities, and growth strategy before building the systems and numbers underneath it.
From there, we strengthen the financial foundations of the business and turn the numbers into meaningful insights, clearer decisions, and practical action.
At Little Black Books, we believe business owners deserve:
✔ Clean, reliable financial data
✔ Clear direction and financial visibility
✔ Proactive cashflow and profit support
✔ Practical advice grounded in real numbers
✔ Systems that create clarity, not confusion
✔ A financial partner who feels like part of the team
Questions
The Profit and Cashflow Operating System FAQs.
What if the bookkeeping is behind or messy?
That’s completely okay.
Most business owners aren’t behind because they don’t care they’re busy running the business.
As part of the Financial Foundations phase, we identify gaps, improve visibility, and strengthen the financial systems underneath the business so the numbers become more reliable and easier to use for decision-making.
And if bookkeeping support is needed, we can absolutely help with that too.
Little Black Books combines bookkeeping, financial visibility, and strategic advisory under one operating system so the foundations and strategy work together, not separately.
Most business owners aren’t behind because they don’t care they’re busy running the business.
As part of the Financial Foundations phase, we identify gaps, improve visibility, and strengthen the financial systems underneath the business so the numbers become more reliable and easier to use for decision-making.
And if bookkeeping support is needed, we can absolutely help with that too.
Little Black Books combines bookkeeping, financial visibility, and strategic advisory under one operating system so the foundations and strategy work together, not separately.
What is the Cashflow Visibility Plan?
The Cashflow Visibility Plan is a rolling 12-week cashflow forecast designed to help businesses proactively manage upcoming income, expenses, payroll, tax obligations, and cashflow pressure points.
Instead of reacting to the bank balance, it provides clearer visibility into what’s coming next so better financial decisions can be made earlier.
Instead of reacting to the bank balance, it provides clearer visibility into what’s coming next so better financial decisions can be made earlier.
How much time will need to be committed to the program?
The program is designed to create clarity and momentum not add more overwhelm to an already busy schedule.
Most of the time commitment comes from the scheduled sessions themselves, along with implementing agreed actions between meetings.
Across the 90 days, businesses can expect:
one half-day Vision to Plan intensive
a small number of focused strategic sessions
implementation of practical action steps between meetings
The process is designed to stay focused on the highest-impact priorities first, so time and energy are spent on the areas that will create the biggest improvement in profit, cashflow, and financial visibility
Most of the time commitment comes from the scheduled sessions themselves, along with implementing agreed actions between meetings.
Across the 90 days, businesses can expect:
one half-day Vision to Plan intensive
a small number of focused strategic sessions
implementation of practical action steps between meetings
The process is designed to stay focused on the highest-impact priorities first, so time and energy are spent on the areas that will create the biggest improvement in profit, cashflow, and financial visibility
Is this just for businesses struggling financially?
Not at all.
Many businesses entering the program are growing — but growth is creating pressure, uncertainty, or cashflow strain.
This program is designed for businesses wanting stronger financial visibility, better systems, and a clearer strategy for sustainable growth.
Many businesses entering the program are growing — but growth is creating pressure, uncertainty, or cashflow strain.
This program is designed for businesses wanting stronger financial visibility, better systems, and a clearer strategy for sustainable growth.
I don’t understand accounting jargon or financial terms.
That’s more common than most business owners realise. The purpose of this program isn’t to bury businesses in technical reports or complicated financial language. It’s to make the numbers easier to understand and easier to use in everyday business decisions.
Everything is explained in practical, straightforward terms focused on: cashflow, profitability, business performance, and what actions will make the biggest difference moving forward.
The goal is simple:
to help businesses feel more confident, informed, and in control of their financial decisions. The Operating System is designed for business owners not accountants.
Everything is explained in practical, straightforward terms focused on: cashflow, profitability, business performance, and what actions will make the biggest difference moving forward.
The goal is simple:
to help businesses feel more confident, informed, and in control of their financial decisions. The Operating System is designed for business owners not accountants.
Is this virtual or in-person?
The 90 Day Profit & Cashflow Operating System can be delivered either virtually or in person, depending on location and what works best for the business.
Most sessions are delivered virtually via Zoom, which allows flexibility, easy collaboration, and access to recordings, notes, and resources throughout the program.
For Auckland-based businesses, in-person sessions may also be available for the Vision to Plan intensive or strategic workshops where appropriate.
The focus is on creating a practical, high-value experience whether that happens online or around the table.
Most sessions are delivered virtually via Zoom, which allows flexibility, easy collaboration, and access to recordings, notes, and resources throughout the program.
For Auckland-based businesses, in-person sessions may also be available for the Vision to Plan intensive or strategic workshops where appropriate.
The focus is on creating a practical, high-value experience whether that happens online or around the table.
90 Day profit and cashflow operating system
You don't need to work harder.
You need better financial visibility
That is exactly what the 90 day Profit & Cashflow Operating System is designed to deliver