smallbiz

Plugin smallbiz from marketplace greenblacked-ai in greenblacked/AI. Commands read from the repo's manifest — 2 days ago.

Skills (20)

• billing-rate-calculation

  Work out the hourly or day rate you must charge for a target income by working backwards: take-home plus tax set-aside plus business costs (software, insurance, accountant, equipment, pension, health cover) and unpaid leave gives required revenue, divided by billable hours tracked for four weeks rat

• cashflow-forecast-13-week

  Build a 13-week cash forecast for a small business or freelancer with lumpy income: a weekly sheet of opening balance, receipts, payments and closing balance; receipts entered at invoice date plus that client's actual median days-to-pay rather than the due date, unsigned pipeline weighted by probabi

• client-offboarding

  Close a client engagement cleanly: acceptance confirmed in writing, final invoice issued with source files and credentials released only on payment, a handover pack (what was built, where it lives, renewals and domains in the client's name, known issues), an access audit of every account, key and re

• client-profitability-review

  Decide which clients to keep, reprice or drop from a quarterly table per client: revenue, tracked hours including email and calls, effective hourly rate, days paid late, revision and scope-change count, share of revenue. Flag one client above about 40% as a risk to schedule action against, rank by e

• estimate-actuals-review

  Measure how wrong your estimates are and correct them. At every project close, log one row per task type (estimated hours, tracked hours, ratio); after 8-10 projects take the median ratio per task type, not the mean, and apply it as a personal multiplier in fixed-price-quote. Split overruns into und

• finance-separation-cleanup

  Untangle personal and business money that have been mixed. Stop the bleed first: open a business account and card, route client payments there, move recurring costs to it. Then clean history in order: export 12 months of all accounts, tag each transaction business, personal or mixed, record a busine

• fixed-price-quote

  Turn a client brief into a fixed-price quote and payment schedule that survive reality: tasks of two days or less, best, likely and worst estimates combined as (best + 4 x likely + worst) / 6, buffer on the named risky lines rather than a flat percentage, separate lines for management and revision r

• invoice-dispute-resolution

  Resolve a client refusing or disputing payment. Separate the dispute from the delay by asking in writing which line, what outcome and which clause; build an evidence pack first; offer the cheapest credible fix first (a defined correction in a defined window), then an itemised partial settlement paid

• invoice-hygiene

  Issue invoices that get paid quickly and survive an audit: send on the day of the trigger event, not at month end, after checking a gapless sequential number, the client's legal name and billing address, PO number, an itemised description matching the SoW milestone, tax line and registration numbers

• late-payment-chase

  Collect an overdue invoice with a calm escalating sequence anchored on the due date: a friendly reminder three days before, a day-1 approval check asking for a payment date, a phone call on day 7 to the person who releases payments, a firm notice on day 14 citing the agreed late fee or statutory int

• monthly-bookkeeping-close

  Run a 60-minute monthly close on the same day each month: reconcile every account to the statement balance to the cent first, match receipts above a threshold, clear uncategorised items to zero, review ageing receivables and start the late-payment ladder, review subscriptions, record owner draws apa

• prospect-qualification

  Screen an inbound enquiry before any quoting effort: five written questions (who signs and pays, budget range, deadline and what drives it, what happens if the work is not done, who else was asked), then a red-flag score for signals that predict non-payment and scope creep, such as no budget, an unn

• retainer-design

  Structure an ongoing monthly client arrangement. Pick the type: reserved capacity (paid whether used or not), hours bank (use it or lose it, or a one-month rollover cap) or outcome subscription with defined deliverables. Price reserved capacity above project rate: you give up flexibility. Write down

• scope-creep-response

  Handle a mid-project request that may be outside the signed scope without saying no and without silently doing it: classify it in one pass as in scope, clarification, or change; answer a change within one working day with a three-line note (what is new, hours and cost, date impact) and a choice to a

• services-agreement-checklist

  Check your own client contract for the clauses a freelancer needs, ordered by money at risk and marked present, weak or missing: payment terms, late fee, deposit, kill fee, IP transfer only on full payment, reuse of pre-existing tools, portfolio rights, confidentiality, liability cap, client-materia

• stalled-project-recovery

  Restart a project when the client goes silent, using a clock-based ladder that starts from the last client-owed item: day 3 a one-line nudge naming the exact decision needed, day 7 a second message with a default ('I will proceed with option A on date X unless told otherwise'), day 14 a call or othe

• statement-of-work

  Write the one-page scope document that governs an engagement: deliverables each with a testable acceptance criterion, exclusions (the three things a client most plausibly assumes are included), client responsibilities with dates and a single named decision-maker, a missed-client-deadline rule that m

• subcontract-client-work

  Pass part of a client job to a contractor safely: check the client agreement permits subcontracting, write the brief as a bounded deliverable plus acceptance check, run a paid 1-2 day trial on low-risk work for a first engagement, flag worker-classification questions for an accountant, flow confiden

• tax-set-aside

  Put aside the right share of every payment for tax: derive the rate from last year's return (tax plus social contributions over profit) plus 3 to 5 points, or a conservative provisional rate checked after the first quarter; sweep it to a separate account within 48 hours of each receipt, on the incom

• year-end-tax-pack

  Assemble everything an accountant or tax return needs, in dependency order: reconcile every bank, card and payment-processor account to statements, reconcile total invoiced income to deposits and explain each difference, clear uncategorised and personal items, check receipts above your tax authority

Subagents (1)

• receivables-reader

  Read a period's invoice register export and its payment or receipts export (CSV, often a few hundred rows each), match every invoice to the receipts that settle it by invoice number first and by client and exact amount second, and return each invoice as paid, part-paid or unpaid with the amount outs

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