Illustrative deposit
$42,227.00
- Payment received
- $52,800.00
- Voluntary tax hold (18%)
- $9,504.00
- Tax service fee ($5.00 + $1.50 transfer)
- $6.50
- 401(k) contribution
- $1,056.00
- 401(k) service fee ($5.00 + $1.50 transfer)
- $6.50
Future service exploration
Help us build transparent cash flow support for small business's like yours.
We are mapping an escrow-like hub that safeguards taxes, benefits, and payouts for subcontractors, independent contractors, and small business operators. Every business owner receives a unique routing and account number at an FDIC-insured partner bank so incoming payments flow straight into your safeguarded bucket. When tax season rolls around, you stay ahead of obligations instead of scrambling for one oversized check, and no more worrying about quarterly tax payments or paying interest fees to the IRS every year.
- FDIC-insured escrow-style account with your own routing and account number—you and CashFlow Financial (CFF) set instructions together.
- Automated 401(k) and voluntary IRS payments power the core workflow, with invitation-only factoring unlocked after a trust window of consistent use—all inside the one-business-day hold so payers never see separate financing.
- Transparent pricing: $5.00 + $1.50 transfer charge per tax or 401(k) transaction, and factoring (available only after you sustain those services for a to-be-announced period) that starts at a $50 setup plus 1% per week (fees subject to change but always transparent).
We are currently interviewing operators by state and trade—participation is non-binding and helps shape the roadmap, including the planned control app and notification layer that manages the one-business-day hold, lets you adjust tax and retirement allocations, and documents every automatic deduction.
Factoring quote (example)
$35,000 request
$50 setup fee + 1% per week • Available after you sustain tax and/or 401(k) instructions for the trust window (TBA) • Runs inside escrow so contractors and payers never see it • Fees subject to change.
Why this matters
Operators told us they need structure without surrendering control.
We are designing CashFlow Financial to give small teams the tooling large contractors rely on—clear instructions, automated compliance tasks, and predictable payouts—without implying the service is ready today. Unlike payroll providers that re-route deposits through their own accounts, every payment sits in your co-managed escrow hub until the instructions you approve are executed.
- Single flow for every dollar: Incoming funds, fees, and releases live in one FDIC-insured account, eliminating side payments or mailed checks.
- Adjust on your timetable: Use the planned control app during the one-business-day hold to tweak tax percentages, pause 401(k) transfers, or review factoring offers once you've qualified through sustained usage.
- Proof before release: Every factoring request is verified through receipts, screenshots, and internal audit tracking before payouts are approved.
Voluntary tax automations
Define the percentages to send to federal, state, or local tax authorities with an estimated $5.00 service fee plus a $1.50 transfer charge each time (fees subject to change). Funds land in your unique routing and account number, and taxes remit automatically—no separate bill from CFF.
Transparent factoring
Invitation-only factoring activates after you have run tax and 401(k) instructions through the escrow hub for a to-be-announced trust-building period. Once eligible, CFF reviews approved invoices with a $50 upfront fee and an estimated 1% per week charge (fees subject to change), keeps the advance inside the same insured account so contractors and payers never see separate paperwork, and still lets referral rewards lower future costs.
401(k) autopilot
Trigger retirement deposits through a white-label partner with proof for each participant, using the same estimated $5.00 service fee plus $1.50 transfer pricing per contribution (fees subject to change). Contributions pull directly from incoming funds routed to your unique account.
Payout visibility
Track when the remaining dollars land in your operating account after the one-business-day lock and download receipts for your accountant—only the agreed fees stay behind with CFF.
Concept flow
How the proposed escrow-style model would work.
CashFlow Financial (CFF) and the customer co-authorize an FDIC-insured escrow-style account with its own routing and account number. Neither side can touch the funds during a one-business-day lock while tax and 401(k) instructions run exactly as approved; factoring instructions only trigger for customers who have met the trust window, keeping costs predictable and the experience invisible to payers.
Below is an illustrative diagram of the planned workflow. We will only launch once the partner agreements, audits, and customer safeguards meet your expectations.
Cash Flow Overview
100%
Of deposits remain with the partner bank—CFF never has custody of your money.
1 day
One-business-day hold keeps transfer costs down and gives you time to adjust instructions.
1 receipt
Digital proof generated for every tax, 401(k), or eligible factoring transaction plus payout confirmation.
Safeguards in focus
We are publishing controls before the first dollar lands.
Rather than testimonials, we are documenting the oversight you should expect. If anything here feels incomplete, note it in your interest submission so we can address it.
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Audited escrow partners
Column Bank and similar FDIC-insured partners are under review. You receive a dedicated routing and account number, and funds stay in your named account with dual authorization.
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Upfront fee menu
Every advance, voluntary tax payment, or benefits transfer includes a posted flat rate and repayment example, and fees deduct automatically from incoming deposits so you never cut CFF a separate check.
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Receipts & reconciliation
Downloadable ledgers, proof-of-payment documents, and webhook hooks for your accounting tools are part of the planned build.
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Control app roadmap
A companion app is on the roadmap so you can tweak instructions during the one-business-day hold, receive alerts when money moves, and keep the pause both flexible and cost-effective.
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No login yet
There is no portal or production access today. We will contact interest list members before any beta launch.
Why should I trust CashFlow Financial (CFF)?
You don't have to rely on promises—CFF never controls your funds. Your money stays in an FDIC-insured account you authorize, and we only execute agreed instructions and deliver proof.
Who should join the interest list?
Subcontractors, independent contractors, and small business owners handling project-based payments, including foremen, project managers, real estate professionals, and landlords.
When could pilots begin?
We are targeting a limited pilot once we aggregate enough demand by state and industry and finalize partner compliance audits.
Do we ever lose access to our funds?
No. The concept uses partner bank escrow accounts where you retain control. Every payment lands in your unique routing and account number, fees are deducted automatically per the instructions you approve, and CashFlow Financial operates instruction sets and reporting only.
How will you use my information?
To contact you about interviews, pilot timelines, and state-specific availability. We will not share or sell your contact details.
What is factoring?
Factoring turns an approved invoice into fast capital, but it’s only offered after you’ve run tax and 401(k) instructions through the escrow account for a to-be-announced trust window. Once invited, CFF fronts the funds, deducts the $50 setup and weekly fee from the incoming payment, keeps the process invisible to contractors and payers, and stores the receipts for your records.
Register interest
Tell us where to launch first.
Complete the form and we will follow up with interviews, product updates, and launch timelines once we have regulatory clearance.