Frequently Asked Questions

I built a 7-figure plumbing company from the ground up. I know what it's like to be on a job site at 6am, managing a crew, chasing invoices, and trying to figure out why your bank account doesn't reflect all the work you've been putting in.

Here's the thing nobody talks about: the more money that started coming in, the more disorganized I became. More clients meant more invoices. More invoices meant more expenses. More expenses meant more chaos. I was making good money on paper but had no real idea where it was actually going.

I tried spreadsheets. I tried hiring a bookkeeper. I tried generic accounting software built for office workers — not for someone running trucks and managing subcontractors. Nothing fit.

So I built CashFlow Pro. A tool designed specifically for contractors and small business owners who need to understand their cash flow without a finance degree. Clean, simple, and built by someone who's lived the stress of running a real business.

Contractors, tradespeople, and small business owners — plumbers, electricians, HVAC techs, roofers, landscapers, general contractors, consultants, and anyone who runs a business where cash comes in and goes out in unpredictable ways.

If you've ever looked at your bank account on a Friday and thought "I've been busy all month — so why does this number look like this?" — CashFlow Pro is built for you.

Sign up at cashflowproapp.com. You'll get a 14-day free trial — no credit card required. After your trial ends, you'll need to subscribe to keep access.

After signing up, connect your bank account via Stripe Financial Connections (takes about 60 seconds), and CashFlow Pro will start pulling in your transactions automatically. The AI will help you categorize everything so you get a clear picture of your cash flow right away.

No — it's optional. You can manually enter transactions yourself if you prefer to keep things separate. But connecting your bank makes everything automatic. Transactions are pulled in, the AI categorizes them, and your dashboard updates in real time.

Most users connect their bank within the first few minutes and immediately see insights they didn't have before.

Most users are fully set up in under 5 minutes. Create your account, connect your bank, and you'll have a live dashboard showing your revenue, expenses, and net profit. If you've been running your business for a while, your historical transactions will import automatically so you can see trends right away.

Everything that matters to a contractor or small business owner:

• Revenue by client, project type, or category • Expenses broken down by payroll, materials, equipment, fuel, insurance, subcontractors, and more • Net profit month over month • 6-month cash flow trends • Category breakdowns so you can see exactly where your money is going • Bank transactions imported automatically from your connected account

The AI advisor is powered by Claude — one of the most advanced AI models available. You can ask it anything about your finances in plain English.

"Why did my profit drop last month?" "Am I spending too much on subcontractors?" "What should I set aside for taxes this quarter?" "How do I price a job to hit a 40% margin?"

It reads your actual transaction data and gives you answers that are specific to your business — not generic advice you'd find on Google.

CashFlow Pro uses Stripe Financial Connections — the same bank-linking technology used by thousands of financial apps. It's a secure, read-only connection. We can see your transactions, but we cannot move money, make payments, or modify your account in any way.

After connecting, transactions are pulled in and the AI automatically categorizes them based on the description. Anything it's not sure about gets flagged for your review, and you can correct it with one click.

Yes. If your bank isn't supported by Stripe Financial Connections, or you'd rather not link your bank directly, you can import transactions using a CSV file exported from your bank or accounting software.

How it works: 1. Log in to your bank's website and export your transactions as a CSV file (most banks offer this under "Download Transactions" or "Export"). 2. In CashFlow Pro, go to the Import tab and upload the file. 3. CashFlow AI reads the file, extracts your transactions, and automatically categorizes each one — just like it does with bank sync. 4. Review the results in your Transactions tab. Anything the AI wasn't sure about gets flagged for your review, and you can correct it with one click.

CSV import works alongside bank sync — you can use both if you have accounts at different banks. You can also use it to bring in historical transactions from before you connected your bank.

Supported formats: most standard bank CSV exports work. The file needs to include at minimum a date, a description, and an amount column. If you run into any issues with a specific bank's format, reach out at support@cashflowproapp.com.

CashFlow Pro comes with categories built for contractors out of the box:

Expense categories: Payroll, Materials, Equipment, Fuel & Transportation, Insurance, Marketing, Software & Tools, Office & Admin, Subcontractors, Taxes & Fees, Other

Income categories: Contract Work, Project Payment, Retainer, Consulting, Other Income

These cover the vast majority of what a contractor or small business owner deals with day to day.

Yes. Payroll and Subcontractors are separate expense categories. This is intentional — one of the most common cash flow mistakes contractors make is not separating employee costs from sub costs. They behave differently, they're taxed differently, and understanding the split is critical when you're trying to grow or trim overhead.

$50 per month. That's it — no setup fees, no per-user fees, no surprise charges. One flat rate for full access to everything: dashboard, bank sync, AI advisor, transaction tracking, and reporting.

For context: if CashFlow Pro helps you find even one expense you didn't realize you were wasting money on, it pays for itself in the first month.

When you sign up, you get full access to CashFlow Pro for 14 days at no cost — no credit card required.

After the 14 days, payment is required to continue using your account. You'll be able to add your card and subscribe from the Billing page. If you don't subscribe, your account goes inactive and you'll lose access until you do. If you choose to subscribe, you'll be billed $50 and then monthly from that point.

Yes. Cancel anytime from the Billing page inside your account. Cancellation takes effect at the end of your current billing period — you keep full access until then and you won't be charged again.

No phone calls, no cancellation fees, no hassle.

We don't offer prorated refunds for partial months. If you believe you were charged in error, reach out to us at support@cashflowproapp.com within 14 days of the charge and we'll review it.

Yes. Your data is stored in Supabase — a managed PostgreSQL platform hosted on AWS with encryption at rest and in transit. We enforce row-level security at the database level, which means your data is completely isolated from every other user's data, even at the query level.

We do not sell your data. We do not use it for advertising. The only people who can see your financial data are you.

Bank connections are handled entirely by Stripe Financial Connections — a product from Stripe, the most trusted payments infrastructure company in the world. The connection is read-only. We receive a tokenized reference to your account; we never see your login credentials, full account number, or routing number.

If you want to disconnect your bank at any time, you can do so from your account settings.

Only you. We use row-level security policies in our database so that every query is scoped to your user ID. Our team does not have routine access to your financial data. In the event we ever need to access data to resolve a support issue, we'd ask your permission first.

Yes. CashFlow Pro supports SMS-based two-factor authentication, and we strongly recommend enabling it.

Here's how it works: after you sign in with your email and password, we'll send a 6-digit verification code to your mobile phone via text message. You enter the code to complete sign-in. Even if someone gets your password, they still can't access your account without your phone.

To set it up: log in, go to your Account tab on the dashboard, scroll to the Two-Factor Authentication section, and click Enable 2FA. It takes about 30 seconds.

Why it matters for contractors and business owners: • Your financial data — revenue, expenses, payroll — is sensitive. 2FA keeps it out of the wrong hands. • Password breaches happen. Even strong passwords can be exposed through data leaks on other sites. 2FA is your second line of defense. • Peace of mind. Know that your account is protected even if you're logging in from a job site or shared device.

Once enabled, you'll verify your identity once per day. It's a small step that makes a big difference.

Reach out directly at support@cashflowproapp.com. This is a product built by someone who ran a real business — not a faceless corporation. You'll get a real response from someone who understands what you're dealing with.