Agency Financial System — Client Profitability, P&L & 5-Year Cash Flow

Description
This Excel system helps agency owners and consultants understand exactly where their profit comes from and plan their finances with confidence. It includes a client profitability tracker that breaks down revenue, cost, and margin by client, a team utilization dashboard comparing actual billable hours against target utilization, a full profit & loss statement, and a 5-year cash flow projection.

The model is built around a realistic 10-client example portfolio, so you can see exactly how the numbers flow before plugging in your own data. It includes an overcapacity alert that flags when utilization exceeds 100%, a scope note addressing working capital and days sales outstanding (DSO), and a dashboard comparison showing actual portfolio revenue against your Year 1 income statement target — so you always know whether you're tracking ahead or behind plan. All formula sheets are protected so only input cells are editable, and a sensitivity analysis sheet lets you stress-test key assumptions like utilization rate and average client value.

Available in both English and Spanish versions, this template is ideal for agency owners tracking client-level profitability, consultants managing a small team's billable capacity, and anyone running a services business who needs a clear P&L and cash flow picture. Format: Excel (.xlsx), no macros required, compatible with Excel 2016+ and Google Sheets with minor formatting adjustments.