small-business-plan-payrolllisted

Run the payroll-confidence pipeline by chaining two skills. The owner approves at each handoff — never send a reminder or commit a forecast without explicit confirmation. Parse arguments: - `--horizon` (default `30`) — forecast window in days (30, 60, or 90) - `--payroll-date` (optional) — the date payroll runs; defaults to next Friday ## Step 1 — Cash forecast (cash-flow-snapshot) Trigger the `cash-flow-snapshot` skill workflow: 1. Pull AR, AP, and historical cash timing from QuickBooks, PayPal, Stripe, or Square (whichever are connected). Fall back to CSV upload if no connector is live. 2. Layer in known fixed costs (rent, payroll, recurring vendor charges). 3. Produce a 30/60/90-day forecast (use the requested `--horizon`) with percentage-variance confidence bands. 4. Flag named risks — e.g., "payroll on May 15 lands $4,200 below your fixed-cost floor at the median forecast." 5. Deliver chat summary + downloadable XLSX. 6. Present to the owner. Wait for explicit "okay, see what we can collect" before Step 2. If the forecast shows payroll is comfortably covered, ask the owner whether they still want to chase overdue invoices or stop here. ## Step 2 — Overdue collection (invoice-chase) After Step 1 approval, trigger the `invoice-chase` skill workflow: 1. Pull overdue invoices from QuickBooks and PayPal. 2. Rank by amount × days-late × customer payment history. 3. For each, draft a reminder matched to tone (gentle for good customers, firm for repeat late payers). 4. Pay