ccc-smb-ops

name	ccc-smb-ops
context	fork
description	Small-business operations — 6 skills in one: 13-week cash-flow forecast, invoicing + AR chasing, payroll planning, CRM hygiene, expense tracking, and a weekly owner brief.
allowed-tools	["Read"]

/ccc-smb-ops — Small-business operations hub

Load ONE skill. Get the entire back-office operations domain for a small business. 6 skills in one — plain-language checklists and templates for the owner who runs the shop, not the accountant.

Integration note: These skills are tool-agnostic. Everything works from a plain bank/card CSV export, an invoice list, or a typed-out set of numbers — no accounting or CRM software required. They organize and forecast; they do not move money, file taxes, or give regulated financial advice.

Sub-Skills

#	Skill	Focus
1	cash-flow-forecast	13-week rolling cash-flow forecast from bank + AR/AP; find the cash trough
2	invoicing-ar	Generate clean invoices; chase unpaid ones with a dunning ladder + AR aging
3	payroll-planning	Plan each run, tax-withholding checklist, fully-loaded headcount cost model
4	crm-hygiene	Dedup contacts, sweep stale leads, standardize fields, review the pipeline
5	expense-tracking	Categorize spend, receipt-capture workflow, budget vs. actual
6	weekly-owner-brief	Monday one-pager: cash, AR aging, pipeline, and the top 3 actions

Routing Matrix

Your Intent	Route To
"Will I make payroll?" / "Cash forecast" / "Runway"	cash-flow-forecast
"Send an invoice" / "Chase who owes me" / "Follow up on unpaid"	invoicing-ar
"Run payroll" / "What will a hire cost" / "Withholding"	payroll-planning
"Clean up my contacts" / "Dead leads" / "Pipeline review"	crm-hygiene
"Where did the money go" / "Categorize expenses" / "Budget vs actual"	expense-tracking
"Give me the Monday picture" / "Owner update" / "Weekly summary"	weekly-owner-brief

Protocol

1. Confirm what records the owner has on hand (bank export, invoice list, receipts, contact list) before routing — everything works from a CSV or a typed list.
2. Route to the specialist sub-skill for the job; each delivers a checklist or fill-in template.
3. weekly-owner-brief runs every Monday and pulls from the other five — start there when the owner just wants "the picture."
4. Keep cash, AR, and spending reconciled across skills — if two disagree, find the discrepancy before acting.
5. Never move money, send messages, or file anything automatically — deliver the plan for the owner to approve.

Campaign Templates

Month-End Close (90-minute version)

1. expense-tracking → categorize the month, reconcile receipts
2. invoicing-ar → bill un-invoiced work, refresh AR aging
3. cash-flow-forecast → roll the 13-week view forward with real balances
4. weekly-owner-brief → the summary the owner actually reads

Get-Paid Sprint (cash is tight)

1. invoicing-ar → AR aging report, fire the dunning ladder on 30+ days late
2. cash-flow-forecast → model base vs. downside to see if payroll clears
3. expense-tracking → flag discretionary spend to pause

New-Hire Decision

1. payroll-planning → fully-loaded cost of the role
2. cash-flow-forecast → drop it into the 13-week view, check the trough
3. weekly-owner-brief → frame the go / no-go with numbers attached

When to invoke this skill

Example 1

• user: will I be able to make payroll next month?
• assistant: Loads ccc-smb-ops and routes to cash-flow-forecast to build the 13-week view and find the trough on the payroll date.

Example 2

• user: three customers still haven't paid me — help me chase them
• assistant: Loads ccc-smb-ops and routes to invoicing-ar for the AR aging report and the dunning ladder.

Example 3

• user: give me a quick Monday summary of where the business stands
• assistant: Loads ccc-smb-ops and routes to weekly-owner-brief, pulling cash, AR aging, and pipeline into a one-pager with the top 3 actions.

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⚙️ Fable contract: plan before build · verifier ≠ worker · prove before alarm · loops need gates · leave durable state — rules/fable-method.md