The Problem
The AR Timing Gap Nobody Talks About
You finished the work. You sent the invoice. But insurance companies, commercial accounts, and slow-pay customers don't care about your payroll date. They pay in 30, 45, or 90 days. You pay your techs every week.
That gap — between when you earn money and when it lands — is the single biggest cash flow problem in field services. And your P&L will never show it to you.
On $50,000 billed this week — here's when it actually lands in your bank:
Same week (cash/card)
55%
Week +1 (Net-30 start)
20%
Week +3 (Insurance/GC)
8%
The Torque 13 makes this timing visible 13 weeks in advance — so you're never surprised.
What the Torque 13 Tells You
Five Things Your Accountant Can't Show You
1
Exactly when each dollar lands — not when you billed it
Eliminates the "I thought I had more than that" moment permanently
2
Which weeks you'll be tight — 13 weeks before it happens
Time to accelerate collections, draw on your line, or delay a purchase
3
Whether you can afford that new truck or hire right now
Cash-based decision making — not P&L-based wishful thinking
4
Your real gross margin per week — after parts, labor, fleet
Reveals which service types make money vs. which you're doing for free
5
How much cash you need in reserve for slow season
Build the off-season cushion in August — not January when it's already gone
The Visual
Your Cash Horizon at a Glance
Every Monday morning, this is what you see — your exact cash position week by week, with alert flags before a problem arrives.
Example — $8M HVAC Company · 13-Week Cash View
Strong — above minimum reserve
Watch — within 20% of reserve floor
Alert — below minimum reserve, act now
Weeks 6–7 flagged red — This owner sees the cash crunch coming 6 weeks early. Time to call commercial accounts, delay a parts order, or use the credit line strategically. Without the Torque 13: they find out on payroll Friday.
What's Included
The Free Template — Pre-Built for Field Services
Built for HVAC, plumbing, contracting, and restoration businesses. Zero formulas to write — just fill in your numbers.
✓
Revenue by Service Type
8 categories — HVAC, plumbing, restoration, maintenance, commercial, residential, and more
✓
AR Collection Waterfall
4 timing buckets — maps when each dollar actually lands, not when you invoice
✓
WIP Tracker (Contractors)
Unbilled work in progress — surfaces trapped cash for construction and restoration
✓
Direct Cost Tracking
Labor, parts, fleet, subs — real gross margin per week, not just total revenue
✓
Fixed Overhead + QBO Mapping
Payroll, rent, insurance, equipment — mapped to QuickBooks Online categories
✓
Reserve Alert System
Closing cash balance flags red when you're below your minimum reserve threshold
✓
QBO · Jobber · ServiceTitan Ready
Integration guide included — pull your numbers directly from the tools you use
✓
13-Week Executive Dashboard
Print-ready visual summary — share with your bank, partner, or CFO
The Next Step
Want Us to Build and Interpret It With You?
The free template gets you started. The TorqueOps engagement loads it with your actual numbers, finds the leaks, and fixes them.
Profit & Cash Leak Diagnostic
3–4 weeks · Fixed fee · You keep the roadmap regardless
We map every cash leak — AR lag, underpriced work, job costing gaps, unbilled WIP. Torque 13 loaded with your actual numbers. Top 3 leaks found and prioritized.
Best for
Owners who need a fast read on where money is leaking
Profit Recovery Sprint
4–6 weeks · Fixed fee · Hands-on execution
We fix the top 2–3 issues — pricing gaps, job costing, AR automation, cash visibility systems. Most clients see positive ROI within 30 days.
Best for
When you know what's broken but execution is stuck
TorqueOps Partner — Ongoing Oversight
Monthly · Only after value is proven
Weekly operating rhythm, monthly deep-dive, continuous profit optimization. Your team runs the business. You get your time back.
Best for
Businesses that need ongoing operating cadence and accountability
Investment depends on scope, urgency, and operating complexity. Engagements are scoped to ensure a minimum 3× ROI on the Equalizer Guarantee. Founding-client pricing available for the first 5 qualified engagements in exchange for a written case study and public testimonial.
$25K
The Equalizer Guarantee
If we do not identify $25K+ in recoverable value, you keep the roadmap and walk.
Ready to See Your Cash 13 Weeks Out?
Get the free template. Or book a 20-minute call — no pitch, no prep needed, just clarity.
No Pitch · No Pressure · No Prep Needed