Business Cash Flow SaaS - Local Business Person of The Year 2025

Our Spotlight Recommendation

“If you are a business owner who wants to understand your money instead of feeling like it is running you, you need to talk to Sandra Simmons. Sandra is the creator of Cash Flow Mojo Software, and...” Read more “If you are a business owner who wants to understand your money instead of feeling like it is running you, you need to talk to Sandra Simmons. Sandra is the creator of Cash Flow Mojo Software, and after spending an hour with her, I can tell you that her product and her purpose are both genuine. She’s not about hype or theory. She’s about helping small business owners finally get control of their cash flow so they can plan with confidence. Where accounting tells you what happened last quarter, Sandra helps you know what is going to happen next week. Her story is incredible. After going through her own business and financial challenges, she built a system that worked so well she turned it into software that now helps business owners bridge the gap between past and future. It’s simple, smart, and designed for real people. Most importantly, Sandra has a heart for helping small business owners thrive. She could easily charge two or three times more, but she keeps her prices affordable because she truly wants people to win. If you are a coach, consultant, or small business owner, you need to connect with Sandra. She is one of the most authentic and mission-driven people you will meet. Come to me if you want to increase your profits, but go to Sandra to learn how to manage them wisely once they start rolling in. Her software is the bridge every entrepreneur needs. I highly recommend Sandra Simmons and Cash Flow Mojo Software.”

– Kermit Jones, Jr. Kamel Alliance

About Us

CREATING CHANGEMAKERS - TRANSFORMING BUSINESS FINANCES

I help business owners who are struggling financially from too little cash flow, too much debt, and no money in savings with my cash flow management software tool, so that they can increase their income and profits, pay off the debt, and get money into savings for emergencies, business expansion, and their retirement.

Our revolutionary Cash Flow Mojo® software system is LEADING THE CHANGE AND ENRICHING BUSINESSES - Quickly, Easily, and efficiently

FROM STRESS TO SUCCESS IN 15 MINUTES [Podcast]
https://youtu.be/RcsO5rOPE9s?si=gNapaL1OvCA-jqeR

THE SECRET WEAPON FOR BUSINESS SUCCESS IN TURBULENT TIMES [Podcast] https://www.cashflowmojosoftware.com/secret-wea...

WHY A PENNY EXPLAINS EVERY CASH FLOW PROBLEM IN BUSINESS
https://www.youtube.com/watch?v=XPVlQlUMg2I

NAVIGATING THE ROAD TO SUCCESS: HOW CASH FLOW MANAGEMENT CAN BE YOUR BUSINESS GPS [Video Short]
https://youtu.be/_-aKmgaciWw?si=XGj6PX4FkC4NobfM

SOLVING CASH FLOW PROBLEMS: HOW TO TAKE THE RIGHT ACTIONS [Article]
https://www.cashflowmojosoftware.com/solving-ca...

DARE TO BE A CHANGEMAKER!

TRANSFORM YOUR BUSINESS FINANCES USING CASH FLOW MANAGEMENT!

How We Got Started

As a retired accountant I learned a long time ago that too many business owners are controlled by the balance in their bank account and don't know what their weekly income planning target needs to be to do better than breaking even or how exactly to allocate their cash flow in the best interest of their business.

They rely on their accounting system which is a recording tool that tells them what happened in the past, and generates financial reports to give their tax preparer to file their corporate tax return [it's like trying to drive your by looking in the rearview mirror], but accounting reports don't provide a road map or guide posts to tell them how to do much, much better in the future.

That's the job of cash flow management and planning [steering your business looking through the windshield at today and down the road into the future].

I operate on this proven truth:

"It's not ONLY how much money you make, it's WHAT YOU DO WITH IT that determines your financial condition." ™

The products and services we offer

Cash Flow Management Software Saas Software As A Service Business Cash Flow Management Education Public Speaker Podcast Interviews Show all 5

Highly Recommended

"Sandra has a genuine passion for helping business owners regain control of their finances. Her..." Read more "Sandra has a genuine passion for helping business owners regain control of their finances. Her approach helps increase income, reduce debt, and create real financial stability for both today and the future. I truly appreciate the impact Sandra makes for the business owners she serves."

"I am very impressed by the information on cash flow and budgeting for business operations that..." Read more "I am very impressed by the information on cash flow and budgeting for business operations that Sandra has . She has the expertise to help business owners manage difficult financing situations to avoid running out of cash.."

Cash Flow Management Software

This online cash flow management software for business owners known as Cash Flow Mojo® is a combination of tools to assist any small to medium size...

Software Licensing Opportunity - Help Your Clients & Increase Your Revenue & Billable Hours

Accountants, Bookkeepers, CPAs, Fractional CFOs, Financial Coaches / Consultants - Are you looking for a game-changing tool to help your clients AN...

Unleash Your Cash Flow Mojo [Book]

Business owners can get an MBA degree in cash flow management in 85 pages in this book written in simple, easy-to-understand, actionable terms. Ava...

Gallery

Highly Recommended

"Renee has built her career around helping women grow, gain confidence, and reach their goals in..." Read more "Renee has built her career around helping women grow, gain confidence, and reach their goals in business. From our very first conversation, it was clear how deeply she cares about supporting female entrepreneurs and seeing them succeed. Her mentorship feels personal and encouraging, creating a space where women feel supported, capable, and motivated to move forward. As an Alignable Ambassador, Renee extends that same generosity to the wider small business community, always championing connection and collaboration. Every business owner benefits from having a trusted mentor in their corner, and Renee brings both heart and enthusiasm to that role in everything she does."

Highly Recommended

"If you’re looking for a coach who truly knows how to bring out the best in business leaders, look..." Read more "If you’re looking for a coach who truly knows how to bring out the best in business leaders, look no further than Kermit Jones, Jr.! Kermit’s combination of military discipline, strategic insight, and genuine heart for helping others is unmatched. He has an incredible ability to simplify complex challenges and turn them into clear, actionable strategies that drive real results. Whether he’s helping a business owner boost profitability, guiding an executive to become a more confident leader, or inspiring a team to aim higher, Kermit delivers with integrity, clarity, and purpose. He’s not just a coach — he’s a trusted ally who empowers you to see your potential and go beyond it. I can’t recommend Kermit highly enough to any leader or business owner ready to elevate their performance and success! "

Recent Activity

Sandra from Business Cash Flow SaaS - Local Business Person of The Year 2025 Answered this on June 13, 2025

Hi Chuck! The Blog Talk Radio Show link for Dr. T's Philosophy Cafe shows doesn't work. Could you test it out and give me a good link to his channel so I can go listen? (more) Hi Chuck! The Blog Talk Radio Show link for Dr. T's Philosophy Cafe shows doesn't work. Could you test it out and give me a good link to his channel so I can go listen?

Sandra from Business Cash Flow SaaS - Local Business Person of The Year 2025 Answered this on March 09, 2025

Congrats to all of the winners and especially to the spectacular women of Alignable. Can'r wait to see the top 50 women list. I am honored and humbled to be the winner again this year for Naples, Florida and I give all the credit to the wonderful friends I have made here on Alignable... and... (more) Congrats to all of the winners and especially to the spectacular women of Alignable. Can'r wait to see the top 50 women list. I am honored and humbled to be the winner again this year for Naples, Florida and I give all the credit to the wonderful friends I have made here on Alignable... and thanks to this contest and the incredible Smart Connects I met and became friends with a lot of incredible new people in the past 3 months. Thank you Chuck and the Alignable team for pulling off the greatest contest yet. It was a blast to participate in!

2 Replies

Sandra from Business Cash Flow SaaS - Local Business Person of The Year 2025 Answered this on February 10, 2025

What an impressive list of outstanding Alignable members. Congratulations to all of you. And thank you Chuck for featuring the list of the Top 25 Women Members. (more) What an impressive list of outstanding Alignable members. Congratulations to all of you. And thank you Chuck for featuring the list of the Top 25 Women Members.

Sandra from Business Cash Flow SaaS - Local Business Person of The Year 2025 Answered this on February 03, 2025

Congratulations! to all of you who are on the TOP 50 list! That is a great achievement. (more) Congratulations! to all of you who are on the TOP 50 list! That is a great achievement.

Sandra from Business Cash Flow SaaS - Local Business Person of The Year 2025 Answered this on March 11, 2024

What a great tribute to women entrepreneurs during Women's History month. Congratulations to the Top 25 Women on the list. I enjoyed reading your remarks. (more) What a great tribute to women entrepreneurs during Women's History month. Congratulations to the Top 25 Women on the list. I enjoyed reading your remarks.

Sandra from Business Cash Flow SaaS - Local Business Person of The Year 2025 Answered this on February 24, 2024

CONGRATULATIONS! To all of the TOP 50 winners! You guys ROCK! And a huge THANK YOU to all of my connections who helped me make it to #1 in Naples, Florida. I have met so many wonderful business owners during this contest and I had so much FUN participating that I am sorry it's over, but we will... (more) CONGRATULATIONS! To all of the TOP 50 winners! You guys ROCK! And a huge THANK YOU to all of my connections who helped me make it to #1 in Naples, Florida. I have met so many wonderful business owners during this contest and I had so much FUN participating that I am sorry it's over, but we will make the fun continue by following up and deepening my new relationships and helping new ones as well. Thank you CHUCK! for being the organizer, the newscast anchor and the cheerleader during the contest. You kept ramping up our level of excitement and did a great job of getting us over the finish line - it must have been like herding cats! I loved it!

Sandra from Business Cash Flow SaaS - Local Business Person of The Year 2025 Answered this on February 06, 2022

Depends on what kind of a funk it is. If I am tired and avoiding starting in on the next clients' work, I either take a short power nap and then go outside for a walk to get energized, or I just go out and walk and get some space if I don't need a short power nap. If I feel like I need to take... (more) Depends on what kind of a funk it is. If I am tired and avoiding starting in on the next clients' work, I either take a short power nap and then go outside for a walk to get energized, or I just go out and walk and get some space if I don't need a short power nap. If I feel like I need to take on a new client, I go to some networking meetings and talk to both those I know and those I don't know. That usually pulls me right out of a funk. And lastly, I find a business owner I can help with some Pro Bono advice or a marketing tip or a helpful cash flow management tip. Often it is doing that for a business owner here on alignable in one of the many groups I am in by answering their question(s) in the news feed.

Sandra from Business Cash Flow SaaS - Local Business Person of The Year 2025 Answered this on December 12, 2021

I really love shopping local. Here are just a few of things I included in my shop local plan (yes, I have a plan) 1) for my monthly luncheon out with the girls (friends and business colleagues) I bought gifts to take them from the Naples Soap Company Tin City store and they were a hit.... (more) I really love shopping local. Here are just a few of things I included in my shop local plan (yes, I have a plan) 1) for my monthly luncheon out with the girls (friends and business colleagues) I bought gifts to take them from the Naples Soap Company Tin City store and they were a hit. https://www.naplessoap.com/ 2) For an upcoming breakfast this week with a bunch of retired veterans, I bought gift bags and went to the Best Popcorn Company to fill them with unique and delicious popcorn flavors. https://www.alignable.com/napl... 3) I have always loved wearing hats and I used to "Borrow" my Mom's hats all the time when I was a kid, so the standing family joke between us is "Is that my hat?" so when I had Helen Michell of Lotus Petal Studio take updated professional headshot photos of me a couple of weeks ago I had a special photo made to have printed and framed for my Mom for Christmas. She's going to love it and we'll both have a laugh when she says, "Is that my hat?" https://www.alignable.com/napl... 4) Probably best of all is deciding NOT to cook for the holidays so for Thanksgiving I ordered the entire meal from Two Guys Catering and dinner was so great I am ordering our Christmas dinner from them too. https://www.twoguyscateringnap... Shopping local is FUN!... Hey, Is that my hat?

Sandra from Business Cash Flow SaaS - Local Business Person of The Year 2025 Answered this on November 05, 2020

Early on I advised all of my clients who applied for a PPP loan to open a separate bank account to deposit the loan funds in, and to pay the payroll using at least 60% of the total received, and rent/mortgage, and utility payments using no more than 40% of the funds received out of that bank... (more) Early on I advised all of my clients who applied for a PPP loan to open a separate bank account to deposit the loan funds in, and to pay the payroll using at least 60% of the total received, and rent/mortgage, and utility payments using no more than 40% of the funds received out of that bank account so that it is clearly evident what funds were received and what payments were made with the funds. They also need to keep meticulous records of the employees they had on staff right before the lockdown started and timeline out what exactly happened with each employee, along with substantiating payroll records. The bank that facilitated getting the loan will be able to help the business owner file for forgiveness at the end using the above records.

Sandra from Business Cash Flow SaaS - Local Business Person of The Year 2025 Answered this on September 11, 2020

1 - For business owner clients that usually get you their accounting statements annually, talk to them about sending you their documents more frequently (quarterly or semi-annually) so the work flow is more consistent throughout the year and not such a mad rush at the beginning of tax season. 2... (more) 1 - For business owner clients that usually get you their accounting statements annually, talk to them about sending you their documents more frequently (quarterly or semi-annually) so the work flow is more consistent throughout the year and not such a mad rush at the beginning of tax season. 2 - If you don't do so already, talk with your business owner clients about your reviewing their books quarterly to do some tax planning before it is the end of the year again and they are scrambling to mitigate their tax liability. 3 - To increase billable hours, do cash flow management planning with your business owner clients on a weekly or monthly basis in a virtual conference from the comfort of your office while they are in their office using the online Cash Flow Mojo software. You both can log into their cash flow management platform from your offices and do the forecasting, planning, and budgeting, to help them allocate their company's income to their company's best financial interests. The software is easy to learn in about 2 hours of built-in video training. You can take a tour of the cash flow management software at https://www.cashflowmojosoftwa... 4 - Ask your long term clients for referrals and tell them the type of client you are looking for. Whenever a new prospective client contacts you ask them "Who referred you to our company?" If the new contact becomes a client, send he referrer a thank you card and a small gift card or certificate to one of their local restaurants or coffee cafes saying "Thanks for the referral of (the new clients name)! Lunch is on me in appreciation." (The gift retail value should be under $25 per IRS rules.) That acknowledges their referral and encourages them to refer others in the future. 5 - On the cash flow management side for your business, cut expenses to under your income and buy only the basic necessities to keep the lights on and the doors open. Here are a few examples: Shop suppliers for lowering costs - for example car insurance, and property insurance should be shopped for price every year. Buy generic, off-brand low cost office supplies like generic post-it notes instead of the more expensive 3-M brand. If you aren't using a laser printer that uses toner cartridges, make the switch and save a ton of money not having to buy ink cartridges. I buy recycled toner cartridges on Amazon for around $30 that prints about 1,500 pages before it needs changing out. And a big one is to ask your client to print all the statements and send them to you so you don't have to pay for the paper to print them out, then instead of printing monthly reconciliation statements on paper, print them as PDF files and send them all plus the financial reports needed for preparing taxes to the client via a free account on an online large file sending service like WeTransfer.com - or if you use dropbox, upload them into a dropbox file and share it with the client so they can download the files from dropbox. There is lots more that can be done, especially in terms of marketing to prospective clients. I hope this proved helpful to you.

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