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12-month cash flow planner
Plan 12 months of cash with a seasonal revenue shape, payroll, loans and owner draw. Find your low month.
Open the tool: 12-month cash flow plannerOwner guide
By Umair Nawaz, founder of Lirevon Updated How we check facts
General information, not tax, legal or financial advice.
In many regions, the phone slows down after the leaves drop. The bills do not. Owners who treat winter as time off often start spring short on cash and crew. Owners who plan start spring with a booked calendar, trained people and money in the bank.
This playbook has five parts, then a 12-week plan and three message templates you can copy.
Dormant pruning is the natural winter product for a tree company. The trick is to sell it with real reasons, not with pressure.
With leaves off, the crew can see dead wood, crossing limbs and weak unions. Many common shade trees can be pruned while dormant. Tell homeowners this in plain words, and check what fits each species in your area first.
In areas with oak wilt, university extension services advise pruning oaks while dormant and avoiding the warm months when beetles spread the disease. Where that applies, it is an honest reason to book now. Link to your state extension page instead of quoting dates from memory.
Pick one simple promise: a booking window, a pruning plus stump grinding bundle, or a small saving for two trees at once. Your numbers are your call. Write a real end date, and no fake "only 3 spots left".
Post it on your Google Business Profile, send it to past customers who agreed to hear from you, and leave door hangers on streets where you already work.
Plan the offer dates with the promo calendar and write the copy with the door hanger builder. For timing by month, see the tree-care calendar.
Homeowners slow down in winter. Property managers still need trees handled, and many plan next year's budget now.
HOAs, apartments, property managers, churches, schools and office parks all have trees and a budget cycle. Start with 20 to 30 near where your crews already work.
Commercial buyers care about risk. Have your certificate of insurance ready, plus a short page on how your crew protects people and property.
Ask for 30 minutes to walk the property and note hazard trees and clearance problems. Send a short summary with photos and a phased plan.
A yearly plan (inspection, pruning cycle, storm callout terms) is easier to approve than a pile of one-off quotes, and it steadies your slow months. Expect slower payment terms.
Write your first pitch with the property manager pitch builder, use the commercial bid cover letter and read the full commercial accounts guide.
Your past customers already know your crew and your prices. Asking them for winter work is often cheaper than finding strangers.
Before you send anything, read the texting rules guide. For follow-up timing, the quote follow-up planner and the follow-up text templates help.
Selling more winter work shrinks the gap. Good cash habits close the rest of it.
Add up what leaves your account every month with no jobs: insurance, equipment payments, core payroll, software, owner pay. Winter has to cover that number.
Pause marketing that does not bring calls, ask lenders about seasonal payment plans, and rent the machine you use twice a year.
A deposit on pre-booked spring work brings cash in during quiet months and cuts no-shows. Put the terms in writing.
Send a friendly reminder after a week and call after two weeks. That is winter cash you already earned.
Put your own numbers into the cash flow planner to see which months run short, and test deposit amounts with the job deposit calculator. The full method is in our seasonal cash flow guide. Results are estimates based on what you type in.
The worst time to hire is the week the phone starts ringing nonstop. Winter gives you time to choose well and train well.
When the spring rush hits, there is no time to train. Hiring in late winter gives a new groundworker calmer weeks to learn your safety rules and gear.
Add employer payroll taxes (employer FICA alone is 7.65% of wages), workers comp, gear and training time to the wage.
Say what the work is really like (weather, heavy lifting, early starts) and what you offer (training, a path to climber, steady hours).
Run safety refreshers, rigging practice and equipment service. A trained crew works faster in spring.
Work out the cost with the hiring cost calculator, write the post with the job description generator and read the hiring and crews guide.
Start it when your calls first slow down. Shift the weeks to match your region. Print it or copy it into your calendar.
Replace everything in [brackets]. Keep them short and personal. Only send them to people who agreed to hear from you.
Text to a past pruning customer
Hi [first name], it is [your name] from [company]. We pruned your [tree type] in [month, year]. Winter is a good time to check it again while the leaves are off. We have openings in [month]. Want me to hold a slot? Reply STOP to opt out.
Email to an old quote that did not book
Subject: Your [tree job] quote from [month]. Hi [first name], we quoted [job] at your home last [season]. If it is still on your list, winter is often a calmer time to get it done. Reply to this email or call [phone] and we will update the quote.
Note to a property manager after a walk-through
Hi [name], thank you for the walk-through at [property]. Attached are photos and a short plan: [number] hazard items now, routine pruning in [season], and storm callout terms. Happy to adjust it to your budget cycle.
Every message in this plan is meant to make the phone ring. In a slow month, each call matters more, and the crew is often out on the one job you have that day. Our services include missed-call text-back within 30 seconds, an AI receptionist, online booking and review requests. Prices are on the pricing page.
In many parts of the US it is deep winter, but it depends on your region. Look at your bank deposits by month for the last one to two years and circle the lowest months.
Common options are dormant-season pruning, removals where frozen ground helps access, stump grinding, commercial programs and pre-booked spring jobs. Check what fits your region.
For many common deciduous trees, yes: the structure is easy to see and some disease risks are lower. It is not right for every species, so check your state university extension service.
Start with HOAs, apartments, property managers and office parks near where you already work. Offer a free walk-through and send a short written plan with photos.
Only if they gave you permission to text them, and every message should let them opt out. Texting rules are strict and vary. Read our texting rules guide and ask a lawyer if you are unsure. This is a short explanation, not legal advice.
A common starting point is your monthly floor times the number of slow months, plus one extra month as a cushion. Your floor is what you must pay each month with no jobs. Use your own numbers in the cash flow planner.
It depends on your cash and your work. Many owners try to keep their best people, because finding and training a new climber can cost more than carrying a trained one through a slow month. Run both numbers before you decide.
Yes. With fewer calls coming in, each one is a bigger share of your month. Invoca reports that about 27% of calls to home-service businesses go unanswered and under 3% of those callers leave a voicemail, so a missed winter call is often a lost job.
This page is general information, not tax, legal or financial advice. Any numbers you use are your own inputs. The missed-call figures come from Invoca and describe home-service businesses in general. Lirevon is new and has no tree-service clients yet; first case studies are planned for December 2026.
Keep reading: storm season, referral programs, follow-up, missed calls.
Lirevon helps tree service companies catch every call, all year. Get a free audit, see the services or check pricing.