12‑Month Payroll Runway: A Month‑By‑Month Cashflow Plan That Keeps Your First 12 Paydays
Most new home care agencies fail because they run out of payroll runway, not because they lack clients. In this 25‑minute Executive Roundtable, Daniel, Claire, and Sophia walk listeners through a practical, month‑by‑month 12‑month cashflow plan used across Scott McKenzie’s 531+ HCAB launches. You’ll get explicit assumptions to model client growth, billing lag for private pay and Medicaid (including how the one‑year Medicaid rule affects revenue timing), expense levers to protect the first 12 paydays, and founder mindset checkpoints to stop destructive hiring decisions. Claire ties forecasts…
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