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A brilliant three-part process that helps business owners master the art of budgeting.



There's a reason we don't see the world in black and white.
—Celerie Kemble

Introducing the Cashflow Canvas.


The Cashflow Canvas is a one-page financial plan used by business owners who want to see the big picture when it comes to how their numbers stack up.

In eight simple [and dare we say fun!] steps, the Cashflow Canvas helps you craft a financial forecast that turns your numbers into a work of art and your budget into a masterpiece.

It's your yellow brick road, the path that brings

your dreams to life. 



Championed by leading lenders, economic developers, and educators ... 

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Creativity unleashed.

The Cashflow Canvas is a strategic management tool that provides a visual framework for developing, describing, and balancing a basic business budget.


Created by founder finance expert, Taunya Woods Richardson, the Cashflow Canvas is a simple and accessible way for startups and business owners to articulate and understand the key components of their business finances in a concise and creative manner–all before they touch a spreadsheet. 

I found I could say things with color
that I couldn't say any other
s I had no words for.
—Georgia O'Keeffe

The Eight Building Blocks. 

The Cashflow Canvas consists of eight building blocks, each representing a fundamental aspect of a business budget:

Revenue Streams: The key sources of income generated by a business through the sale of goods or services to its customers.

Direct Costs: The expenses directly associated with producing a specific product or delivering a service, including materials, inputs and direct labor.

Pricing: The strategic determination of how much a business charges for its products or services based on factors such as costs, competition, and perceived value.

Assumptions: The underlying expectations of customer buying behaviours and payment schedules and other factors that influence when money will be received by the business.

Team + Personnel Costs: The expenses related to hiring, compensating, and supporting the workforce, including wages, benefits, and training.

Space + Operating Costs: The costs associated with maintaining physical facilities, utilities, and other operational expenses necessary for the day-to-day functioning of the business.

Marketing + Sales Costs: The expenditures incurred in promoting and selling products or services, encompassing advertising, promotions, and related marketing activities.

Debt Repayment: The process of returning borrowed funds, including both principal and interest, as agreed upon in loan or credit agreements.

In the right light, at the right time, everything is extraordinary. The intersection of color, creativity, and numbers reveals the extraordinary in the ordinary.
—Aaron Rose

The Cashflow Canvas: 3 Day Challenge

Pulling it all together. 

If nailing the numbers and hammering out your plan is the priority, we invite you to go the distance. 

The Cashflow Canvas Blueprint is our online step-by-step framework, complete with video tutorials and live training, to ensure your numbers add up, your bank account is balanced, and your plan is bankable. 

In addition to dialing into each of the eight building blocks of a budget, you'll learn how to: 

  • Plan for a fair Founder’s salary

  • Set a profitable price for your products or services

  • Navigate the Bermuda Triangle of Business [where profits perish and dreams disappear]

  • Build a plan to double down on your debt


With the Cashflow Canvas creator, Taunya Woods Richardson 

guiding you every step of the way.

Load the Palette. 

Revenue Streams

Direct Costs 

Price Points 


Team + Personnel Costs 

Space + Operating Costs 

Marketing + Sales Costs 

Other Costs 

Fill the Forecast. 

  • Account for when revenue will be received 

  • Budget for future inventory costs 

  • Allocation of net profit and corporate taxes 

  • Identify capital requirements and repayment schedule.

Tools Included.

  • The Cashflow Canvas + Colour Key 

  • The Cashflow Canvas Sketchbook 

  • The Cashflow Canvas Forecast 


Six compelling reasons for The Cashflow Canvas' growing popularity:


Simplicity: The canvas simplifies the complex process of financial

planning into a one-page diagram, making it accessible and easy to understand.


Versatility: It's applicable to various types of founders from start-ups to established business owners, across different industries.


Collaboration: The visual nature of the canvas encourages collaboration among team members, stakeholders, and partners.


Creativity: It unlocks creative thinking, fostering innovative solutions and ideas that may not be apparent through logical analysis alone.


Holistic: It provides a broader perspective, enabling Founders to see the bigger picture and make connections between seemingly unrelated financial elements.

Strategic: It helps Founders focus on key elements of their financial model, such key revenue streams, direct costs and human capital.


Many educators, economic developers and lenders incorporate The Cashflow Canvas into their programming. Additionally, it's often used in conjunction with methodologies like the Business Canvas Model, the Lean Startup and Agile.



This work is licensed under the Creative Commons Attribution-NoDerivatives 4.0 International. To view a copy of this license, visit

Try to be a rainbow in someone's cloud.
—Maya Angelou

The Cashflow Canvas:
Train the Trainer System

Are you a savvy lender, dedicated educator, or forward-thinking economic developer eager to empower your team with the essential skills to guide Founders through mastering the basics of budgeting and cashflow forecasting? Look no further than our powerful Train the Trainer System.

Unveil a world of opportunity for your team with our dynamic professional training, tailored to equip your crew with the expertise needed to instill financial acumen in budding entrepreneurs. Elevate your organization's impact by investing in the knowledge and capabilities that drive success. 

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