DRIVERwiser™ Framework

Most business owners chase symptoms — late payments, rising expenses, tight payroll cycles — without ever solving the real causes.

 

The DRIVERwiser Framework flips that script.

This isn’t a theory. It’s a practical, battle-tested cash flow system built for real SMBs with real constraints — and proven to unlock serious financial results.

 

DRIVERwiser helps you isolate, assess, and improve the 10 drivers that control over 90% of your cash flow — with a step-by-step implementation pathway built for your time, team, and bandwidth.

 

Whether you’re running a $1 million shop or a $25 million operation, DRIVERwiser helps you shift from firefighting to financial command — turning insight into impact, and cash flow stress into strategic control.

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💬 "We freed up over $200,000 in 90 days just by working two drivers. It changed everything."
— Distribution Company Owner, Focus Group Participant.

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What Is DRIVERwiser™?

DRIVERwiser℠ is a practical, flexible cash flow mastery system built specifically for small and mid-sized businesses. It doesn’t assume you have a CFO. It assumes you’re busy. It’s built to work anyway.

At its core are 10 cash flow drivers that shape nearly every dollar moving in or out of your business:

1. Sales Growth

2. Price Changes

3. Cost of Goods Sold (COGS)

4. SG&A Expenses

5. Inventory

6. Accounts Receivable

7. Accounts Payable

8. Capital Expenditures

9. Debt

10. Owner Distributions

 

These drivers are interconnected. That’s why DRIVERwiser provides not just insight — but a full implementation path that accounts for overlap, ripple effects, and real-world resource constraints.

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What Makes DRIVERwiser Different?

✅ It’s Scalable. Use it solo or with a team — there are clear tracks for businesses of every size.

✅ It’s Actionable. 20+ implementation tools walk you through each phase — including assessments, dashboards, action plans, team checklists, and quarterly review templates.

✅ It’s Tiered. Start simple, then scale. DRIVERwiser includes “resource-flexible” roadmaps with options for low, medium, and full capacity implementation.

✅ It Works. Field-tested with 384 SMBs across industries. Typical gains in the first 90 days:
• $20K–$35K for $1.0M businesses

• $50K–$75K for $2.5M businesses
• $100K–$150K for $5M businesses
• $200K–$300K for $10M businesses

 

NOTE: 

This isn't theoretical—it's a combination of trapped working capital that could be freed and ongoing gains in pricing, margin control, and expense efficiency that begin immediately with proper implementation.

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When viewed as a percentage of revenue, most businesses implementing the DRIVERwiser Framework see cash flow improvements ranging from 5-8% of annual revenue within the first year. Some businesses with particularly challenged working capital management may see improvements reaching 10-12% of revenue, while those with already streamlined operations might see closer to 2-4%.

 

What determines where you'll fall in this range? Several factors come into play:

• Starting position: The more inefficient your current driver management, the greater your potential improvement

• Business model: Inventory-heavy businesses typically have more opportunity than service businesses

• Implementation commitment: Companies that implement comprehensively see roughly twice the impact of those making partial changes

• Industry characteristics: Some industries have structural constraints that limit certain driver improvements

• Management discipline: The rigor with which you maintain improvements directly affects sustained results

 

Simple math—but important to remember: comparable structure matters. These aren't magical, overnight transformations. They're the product of systematic improvement across multiple drivers, combining one-time working capital gains with ongoing operational enhancements that compound over time.

 

📊 “We thought our biggest issue was receivables. DRIVERwiser showed us inventory was actually the real drag. That insight alone paid for the system 10x over.”

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Disclaimer:

Everything I share is based on experience and proven frameworks for SMB owners. But as you know, every business is unique. I can’t guarantee specific outcomes or financial results. My goal is to equip you with the tools, knowledge, and frameworks to make better decisions, but you’ll need to apply them thoughtfully in your own business. Always consult with your professional advisors, and remember — use what fits your business best.

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Inside the DRIVERwiser System:

 

Here’s how DRIVERwiser walks you from chaos to clarity:

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🔹 The 4-Step Process (Repeated for Each Driver):

1. Assess: Use tools like the Cash Flow Quick Diagnostic & Driver Prioritization Matrix.

2. Develop: Build insight using the Driver Assessment Worksheet.

3. Implement: Launch 90-Day Driver Action Plans with Quick Wins → Process → Systems.

4. Monitor & Adjust: Track performance with Dashboards, Weekly Checklists & Strategic Reviews.

 

🔹 Tiered Implementation Tracks:

Business Size

1-5 Employees

Core Focus

• Focused Simplicity

Tools Included

• Diagnostic, Matrix, Action Plan, Weekly Review

 

6–25 Employees

Core Focus

• Expanded Drivers

Tools Included

• Dashboard, Assessments, Monthly Reviews

 

26–100 Employees

Core Focus

• Multi-driver Rollout

Tools Included

• Cross-team Reviews, Strategic Playbooks

 

100+ Employees

Core Focus

• Enterprise-Lite

Tools Included

• Integrated Dashboards, Strategic Planning Sync

 

NOTE: All tools are available at each tier, this is my recommendation​

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🔹 Core Tools You’ll Use:

• Driver Prioritization Matrix: Focus on the few that matter most.

• Driver Assessment Worksheet: Uncover specific improvement opportunities per driver.

• 90-Day Action Plan Template: Structured, phased, owner-led roadmap.

• Performance Dashboards: Real-time driver health tracking.

• Driver Relationship Map: Visualizes driver interdependencies — prevent one fix from causing another issue.

• Strategic Review Templates: Weekly, Monthly, and Quarterly rhythms keep implementation on track.

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Visual Framework Map 

🗺️ Visualize the Journey Your path to cash flow mastery is structured, sequenced, and flexible.

 

Refer to the map below to see how each driver, phase, and tool fits into your broader strategy.

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