00:00 – 01:00 – Introduction: Marcel welcomes Colin Hewitt, CEO and founder of Float, and frames cash flow as the lifeblood every agency depends on.
01:01 – 02:09 – The Origin of Float: Colin shares how running his own agency exposed the limits of spreadsheet-based forecasting and led him to build a cash flow product for service businesses.
02:10 – 05:24 – Direct vs Indirect Cash Flow Methods: A look at why traditional P&L-derived forecasts age the moment they are finished, and how a hybrid direct method delivers a forecast owners can trust day-to-day.
05:24 – 07:31 – Why Agency Cash Flow Is Uniquely Complex: Retainers, milestone billing, and time-and-materials projects each behave differently — modeling them well requires more nuance than most generic tools provide.
07:32 – 09:09 – The Trade-Offs of Outsourcing the Forecast: When forecasting is handed off entirely, owners often lose the context behind the numbers and end the month more confused than clear.
09:09 – 12:48 – Precision vs Accuracy in a Forecast: Colin and Marcel discuss the tension between infinitely precise forecasts and forecasts that owners will actually maintain — and how to find the right level for the business.
12:48 – 14:07 – Mapping Budgets to the Accounting System: A deliberate separation between transactional accounting detail and forward-looking budget categories keeps the forecast usable without doubling the work.
14:07 – 16:54 – Cash Flow Strategy When Things Get Tight: Visibility into the next 30, 60, and 90 days lets owners distinguish a temporary blip from a structural issue — and decide what to push, chase, or restructure.
16:54 – 18:47 – Pulling Cash Forward and Deferring Expenses: A short walk-through of practical levers — invoice financing, payment timing, expense sequencing — and a pointer to a deeper episode on the topic.
18:47 – 21:10 – AI's Impact on Software and Agencies: Colin reflects on what is changing for SaaS founders and what is opening up for agencies as the cost of building software falls.
21:10 – 23:43 – Where Software Moats Hold Up in an AI World: A candid view on which products remain defensible — auditability, trust, collaboration — and which become commoditized prompts.
23:43 – 27:23 – When Conversational Interfaces Replace UIs: A near-future where owners interact with agents instead of dashboards, and the underlying systems quietly stay in sync.
27:23 – 30:43 – Sustainability and Boundaries Around AI Work: A frank conversation about the pull of constant tinkering, the risk of AI-driven bloat, and the case for considered, well-crafted decisions.
30:43 – 35:20 – Speed vs Velocity, and Closing Thoughts: When everything can be built, the discipline shifts to choosing what to build — and Colin shares where listeners can follow along with Float.
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