From bizops
Executive financial summary — P&L, revenue by stream, expense breakdown, cash flow projection, burn rate, runway, margin analysis, profitability, financial forecast, and actionable recommendations, or any request involving understanding your financial position across businesses.
How this skill is triggered — by the user, by Claude, or both
Slash command
/bizops:bizops-financial-snapshot [business-or-period] [--revenue amount] [--expenses amount] [--cash amount] [--businesses biz1,biz2][business-or-period] [--revenue amount] [--expenses amount] [--cash amount] [--businesses biz1,biz2]This skill is limited to the following tools:
The summary Claude sees in its skill listing — used to decide when to auto-load this skill
> **Disclaimer:** This skill produces financial analysis for informational and planning purposes only. It is not a substitute for advice from a licensed financial advisor, CPA, or lender. All figures should be verified by qualified professionals before making financial decisions.
Disclaimer: This skill produces financial analysis for informational and planning purposes only. It is not a substitute for advice from a licensed financial advisor, CPA, or lender. All figures should be verified by qualified professionals before making financial decisions.
Financial Snapshot generates an executive-level financial summary for entrepreneurs running one or multiple businesses. The user provides their numbers (revenue, expenses, accounts, debts) or references saved financial data, and AI produces a structured analysis: revenue by stream, expense categories, profit margins, cash flow projection, burn rate, runway estimate, and 3 actionable recommendations to improve financial health. This is not an accounting tool — it is an intelligence tool that helps the user see the full picture and make better financial decisions.
search_notes with query "bizops financial preferences" (folder: brain/preferences)write_note → title: bizops-financial-preferences, folder: brain/preferences📊 Financial Snapshot | {Business Name} | {Reporting Period} | Preferences: ✓ loaded
Add: "Say 'update my financial preferences' to change settings."Determine where the numbers come from:
search_notes with keywords like "financial", "revenue", "snapshot" to find prior financial data in Cloud BrainCollect these data points (whatever is available):
| Data Point | What to Capture |
|---|---|
| Revenue streams | Each source of income, monthly/annual amount |
| Expenses | Major expense categories, monthly/annual amount |
| Bank balances | Operating account, savings, reserves |
| Debts/Liabilities | Loans, credit lines, outstanding payments |
| Receivables | Money owed to the user (invoices, pending payments) |
| Payables | Money the user owes (upcoming bills, commitments) |
| Time period | What period does this data cover? (Month, quarter, year) |
| Multiple businesses | Does the user run multiple entities? Capture each separately. |
If the user has multiple businesses, track each revenue stream and expense category separately to show the full portfolio view.
## Revenue Analysis
### Revenue by Stream
| # | Revenue Stream | Monthly | Annual (Projected) | % of Total | Trend |
|---|---------------|--------:|-------------------:|:----------:|:-----:|
| 1 | [Stream Name] | $X,XXX | $XX,XXX | XX% | [Up/Down/Flat] |
| 2 | [Stream Name] | $X,XXX | $XX,XXX | XX% | [Up/Down/Flat] |
| 3 | [Stream Name] | $X,XXX | $XX,XXX | XX% | [Up/Down/Flat] |
| | **TOTAL** | **$XX,XXX** | **$XXX,XXX** | **100%** | |
### Revenue Concentration Risk
- **Highest concentration:** [Stream] at [X]% of total revenue
- **Risk level:** [Low (<30% in any one stream) / Medium (30-50%) / High (50%+)]
- **Recommendation:** [Diversify if concentrated, or double down if the stream is growing]
### Revenue Quality Assessment
| Metric | Value | Assessment |
|--------|------:|:----------:|
| **Recurring revenue** | $X,XXX/mo | [Good/Needs work] |
| **One-time revenue** | $X,XXX/mo | [Stable/Volatile] |
| **Average deal size** | $X,XXX | [Growing/Shrinking/Stable] |
| **Revenue predictability** | [High/Medium/Low] | [Assessment] |
## Expense Analysis
### Expenses by Category
| # | Category | Monthly | Annual (Projected) | % of Revenue | Essential? |
|---|----------|--------:|-------------------:|:------------:|:----------:|
| 1 | [Category — e.g., Payroll/Contractors] | $X,XXX | $XX,XXX | XX% | Yes/No |
| 2 | [Category — e.g., Software/SaaS] | $X,XXX | $XX,XXX | XX% | Yes/No |
| 3 | [Category — e.g., Marketing/Ads] | $X,XXX | $XX,XXX | XX% | Yes/No |
| 4 | [Category — e.g., Rent/Office] | $X,XXX | $XX,XXX | XX% | Yes/No |
| 5 | [Category — e.g., Insurance/Legal] | $X,XXX | $XX,XXX | XX% | Yes/No |
| 6 | [Category — e.g., Travel/Meals] | $X,XXX | $XX,XXX | XX% | Yes/No |
| 7 | [Category — e.g., Subscriptions] | $X,XXX | $XX,XXX | XX% | Yes/No |
| | **TOTAL EXPENSES** | **$XX,XXX** | **$XXX,XXX** | **XX%** | |
### Expense Efficiency
- **Expense-to-revenue ratio:** [X]% — [Good (<70%) / Moderate (70-85%) / Concerning (85%+)]
- **Non-essential expenses:** $X,XXX/mo — [X]% of total expenses
- **Potential savings identified:** $X,XXX/mo (see recommendations below)
### Subscription Audit Flag
[List any subscriptions or recurring expenses that should be reviewed — tools not being used, overlapping services, contracts up for renegotiation]
## Profitability
### Profit & Loss Summary
| Metric | Monthly | Annual (Projected) |
|--------|--------:|-------------------:|
| **Gross Revenue** | $XX,XXX | $XXX,XXX |
| **Cost of Goods/Services** | ($X,XXX) | ($XX,XXX) |
| **Gross Profit** | $XX,XXX | $XXX,XXX |
| **Operating Expenses** | ($X,XXX) | ($XX,XXX) |
| **Net Operating Income** | $XX,XXX | $XXX,XXX |
| **Taxes (estimated)** | ($X,XXX) | ($XX,XXX) |
| **Net Profit** | **$XX,XXX** | **$XXX,XXX** |
### Margin Analysis
| Margin Type | Percentage | Assessment |
|------------|:----------:|:----------:|
| **Gross Margin** | XX% | [Healthy (>50%) / Moderate (30-50%) / Low (<30%)] |
| **Operating Margin** | XX% | [Healthy (>20%) / Moderate (10-20%) / Thin (<10%)] |
| **Net Margin** | XX% | [Strong (>15%) / Acceptable (8-15%) / Thin (<8%)] |
### Profitability by Business (if multiple entities)
| Business | Revenue | Expenses | Net Profit | Margin |
|----------|--------:|---------:|-----------:|:------:|
| [Business 1] | $XX,XXX | $XX,XXX | $XX,XXX | XX% |
| [Business 2] | $XX,XXX | $XX,XXX | $XX,XXX | XX% |
| **Combined** | **$XX,XXX** | **$XX,XXX** | **$XX,XXX** | **XX%** |
## Cash Flow Projection
### Current Position
| Account | Balance |
|---------|--------:|
| Operating Account | $XX,XXX |
| Savings/Reserve | $XX,XXX |
| Outstanding Receivables | $XX,XXX |
| Outstanding Payables | ($XX,XXX) |
| **Net Cash Position** | **$XX,XXX** |
### 90-Day Cash Flow Forecast
| Month | Starting Cash | Cash In | Cash Out | Ending Cash | Net Change |
|-------|-------------:|--------:|---------:|------------:|-----------:|
| Month 1 | $XX,XXX | $XX,XXX | ($XX,XXX) | $XX,XXX | +/- $X,XXX |
| Month 2 | $XX,XXX | $XX,XXX | ($XX,XXX) | $XX,XXX | +/- $X,XXX |
| Month 3 | $XX,XXX | $XX,XXX | ($XX,XXX) | $XX,XXX | +/- $X,XXX |
### Cash Flow Health
| Metric | Value | Assessment |
|--------|------:|:----------:|
| **Monthly cash burn** | $XX,XXX | |
| **Monthly cash generation** | $XX,XXX | |
| **Net monthly cash flow** | +/- $X,XXX | [Positive/Negative] |
| **Cash conversion cycle** | X days | [How long from service delivery to cash received] |
### Scenario Analysis
| Scenario | Assumption | Impact on Cash |
|----------|-----------|:--------------:|
| **Best case** | [Revenue increases X%, expenses hold] | +$X,XXX/mo |
| **Base case** | [Current trends continue] | +/- $X,XXX/mo |
| **Worst case** | [Revenue drops X%, unexpected expense of $Y] | -$X,XXX/mo |
## Burn Rate & Runway
### Burn Rate Calculation
| Metric | Amount |
|--------|-------:|
| **Monthly fixed costs** | $XX,XXX |
| **Monthly variable costs (avg)** | $X,XXX |
| **Total monthly burn** | $XX,XXX |
| **Daily burn rate** | $XXX |
### Runway Estimate
| Scenario | Available Cash | Monthly Burn | Runway |
|----------|---------------:|-------------:|:------:|
| **Zero revenue** | $XX,XXX | $XX,XXX | X months |
| **50% revenue drop** | $XX,XXX | $XX,XXX (net) | X months |
| **Current pace** | $XX,XXX | +$X,XXX (net) | Indefinite (cash positive) |
### Runway Assessment
- **Current runway:** [X months at zero revenue]
- **Recommended reserve:** [3-6 months of operating expenses = $XX,XXX]
- **Reserve gap:** [How much more is needed to hit recommended reserve, or "Fully funded"]
- **Runway risk level:** [Low (6+ months) / Moderate (3-6 months) / High (<3 months) / Critical (<1 month)]
Produce exactly 3 high-impact, specific recommendations:
## Top 3 Financial Recommendations
### 1. [Action Title] — [Expected Impact: $X,XXX/month]
**The Problem:** [What is costing money, leaving money on the table, or creating risk]
**The Fix:** [Specific, step-by-step action. Not "cut costs" — say exactly what to cut and by how much.]
**Implementation:**
1. [Step 1]
2. [Step 2]
3. [Step 3]
**Timeline:** [This week / This month / This quarter]
**Difficulty:** [Easy / Moderate / Requires effort]
**Impact:** [How much this could save or generate per month]
---
### 2. [Action Title] — [Expected Impact: $X,XXX/month]
**The Problem:** [Specific financial issue]
**The Fix:** [Specific action]
**Implementation:**
1. [Step 1]
2. [Step 2]
3. [Step 3]
**Timeline:** [Timeframe]
**Difficulty:** [Level]
**Impact:** [Dollar amount]
---
### 3. [Action Title] — [Expected Impact: $X,XXX/month]
**The Problem:** [Specific financial issue]
**The Fix:** [Specific action]
**Implementation:**
1. [Step 1]
2. [Step 2]
3. [Step 3]
**Timeline:** [Timeframe]
**Difficulty:** [Level]
**Impact:** [Dollar amount]
---
### Combined Impact of All 3 Recommendations
**Potential monthly improvement:** $X,XXX/month
**Potential annual impact:** $XX,XXX/year
Recommendation categories to consider:
Assemble everything into a single document:
# Financial Snapshot: [Business Name or "Personal Finances"]
> **Date:** YYYY-MM-DD
> **Period Covered:** [Month, Quarter, or Year]
> **Businesses Included:** [List of entities]
> **Overall Financial Health:** [Strong / Healthy / Moderate / Concerning / Critical]
> **Prepared By:** AI OS
---
## Executive Summary
[3-5 bullet points — the most important financial takeaways. What is going well, what needs attention, and the single most impactful action to take.]
---
## Revenue Analysis
[From Step 2]
## Expense Analysis
[From Step 3]
## Profitability
[From Step 4]
## Cash Flow Projection
[From Step 5]
## Burn Rate & Runway
[From Step 6]
## Top 3 Recommendations
[From Step 7]
---
## Key Financial Metrics Dashboard
| Metric | Value | Status |
|--------|------:|:------:|
| Monthly Revenue | $XX,XXX | [Up/Down/Flat] |
| Monthly Expenses | $XX,XXX | [Up/Down/Flat] |
| Net Profit (Monthly) | $XX,XXX | [Positive/Negative] |
| Net Margin | XX% | [Healthy/Moderate/Thin] |
| Cash on Hand | $XX,XXX | [Sufficient/Low/Critical] |
| Monthly Burn Rate | $XX,XXX | |
| Runway (zero revenue) | X months | [Safe/Moderate/Low] |
| Revenue Concentration | XX% in top stream | [Diversified/Concentrated] |
| Receivables Outstanding | $XX,XXX | [Current/Aging] |
---
## Data Gaps & Assumptions
[List any data that was not provided and assumptions made to fill gaps. Be transparent about what is estimated vs. confirmed.]
---
*Financial intelligence prepared by AI OS. This is not tax advice, legal advice, or professional accounting. Consult a CPA for tax-specific decisions and an attorney for legal/entity structure questions. Refresh this snapshot monthly for best results.*
Save to Cloud Brain using mcp__cloud-brain__write_note with:
Financial Snapshot {YYYY-MM-DD}research["financial", "snapshot", "research"]Give the user:
A single comprehensive markdown document containing the full financial snapshot (revenue analysis, expense analysis, profitability, cash flow projection, burn rate/runway, recommendations, and metrics dashboard). Typically 2,000-4,000 words depending on complexity. Saved to Cloud Brain in the research folder.
User: "Financial snapshot — I made $18K last month from deals, $3K from connections, $2K from TCs. Expenses are about $4K/month. I have $12K in the bank."
AI executes:
Financial Snapshot {date} in the research folderUser: "/financial-snapshot Q1 2026"
AI executes:
Financial Snapshot {date} in the research folderUser: "I run {YOUR_PLATFORM} and {YOUR_SERVICE}. {YOUR_PLATFORM} is pre-revenue. {YOUR_SERVICE} does about $15K/month. Combined expenses are $6K. How do things look?"
AI executes:
Financial Snapshot {date} in the research foldernpx claudepluginhub owenmecham/mbg --plugin bizopsGuides creation, editing, and verification of skills for AI coding agents using test-driven development with subagent scenarios. Use when authoring or debugging skills.