Sample report · fictitious company and figures
Expense report · BrightNest Cleaning LLC
Of every $100 that came in, $81 went to expenses.
For U.S. cleaning companies, a healthy level is up to $80. In October 2026, expenses totaled $49,311.33 (▲ 11.2% vs. the average of the previous 3 months, $44,345.07). Owner draws, contributions and loan payments are not included (see "Outside expenses").
Revenue and expenses for the last 3 months, in U.S. dollars. Cash basis: each transaction counts in the month it cleared the bank, as reconciled in Xero. Owner draws, contributions and loan payments are not expenses and are shown separately.
Revenue and expenses, month by month
May to October 2026. On the right, how much of each month's revenue went to expenses.
RevenueExpensesAbove 80%: past the healthy line
Every $100, group by group
Each square is $1 of every $100 in revenue over the last 3 months (Aug–Oct).
- Remainingoperating cash result$18.8
| Group | October | % of revenue (3 months) | Healthy up to | Watch up to | Status |
|---|---|---|---|---|---|
| Labor | $28,650.00 | 47.2% | 50% | 60% | Within range |
| Laundry | $9,150.00 | 14.9% | — | — | No benchmark |
| Cleaning supplies | $2,480.00 | 5.6% | 6% | 9% | Within range |
| Vehicles & travel | $1,723.13 | 3.1% | 4% | 7% | Within range |
| Occupancy | $2,202.40 | 3.8% | 3% | 6% | Watch |
| Technology | $507.50 | 0.9% | 2% | 4% | Within range |
| Marketing & sales | $1,540.00 | 1.5% | 3% | 6% | Within range |
| Professional services | $940.00 | 1.0% | 3% | 5% | Within range |
| General & admin | $1,201.80 | 1.6% | 4% | 7% | Within range |
| Financial | $1,045.90 | 1.5% | 2% | 4% | Within range |
| Refunds received (netted against expenses) | −$129.40 | — | |||
| Total | $49,311.33 | 81.2% | 80% | 90% | Watch |
| Remaining (operating cash result) | 18.8% |
Swipe the table sideways →
What changed the most this month
Compared with the average of the previous 3 months
- Contract Labor - Cleaners (1099)Labor▲ $2,517$28,650 · avg. $26,133 · +10%
- Advertising & MarketingMarketing & sales▲ $1,027$1,540 · avg. $513 · +200%
- Cleaning SuppliesCleaning supplies▼ $970$2,480 · avg. $3,450 · −28%
- Laundry & Linen ServicesLaundry▲ $967$9,150 · avg. $8,183 · +12%
- Accounting & Tax ServicesProfessional services▲ $590$940 · avg. $350 · +169%
All expenses
Tap a group to open its accounts; tap an account to see the transactions.
Outside expenses
Money that went through the bank this month that is neither an operating expense nor revenue
| Item | Amount |
|---|---|
| Owner draws (2 transactions) | −$8,000.00 |
| Owner contributions (1 transaction) | +$1,500.00 |
| Loan payments (principal) (1 transaction) | −$420.00 |
This month's findings
What the October 2026 numbers show beyond the averages
- General & adminInsurance rose 100%. Shield Business Insurance appears 2 times with the same amount ($486.20). Worth checking whether it was paid twice.
- Financial$228 in avoidable costs. Late fees, penalties and overdraft charges totaled $227.50 in October 2026 (7 transactions).
- OccupancyNew expense: Repairs & Maintenance. Repairs & Maintenance was almost nothing in the previous 3 months ($72 per month) and came in at $240 (Vacuum Doctor Orlando (Commercial vacuum repair, 2 units)). At 3.8% of revenue, the group exceeds the benchmark (up to 3%): about $446 per month over.
- Marketing & salesAdvertising & Marketing rose 200%. Advertising & Marketing went from $513 (average of the previous 3 months) to $1,540. What drove it: Google Ads (Search campaign - fall move-out cleanings), $1,180.00.
- Cleaning suppliesCleaning Supplies fell 28%. Cleaning Supplies fell: $3,450 (average of the previous 3 months) → $2,480.
- Professional servicesAccounting & Tax Services rose 169%. Accounting & Tax Services went from $350 (average of the previous 3 months) to $940. What drove it: Orange County CPA Group (Q3 estimated tax filing), $590.00.
Where to start
The actions with the most money at stake this month
- 01Bring occupancy back within the benchmark
3.8% of revenue; healthy is up to 3%. That is about $446 per month over.
- 02Eliminate late fees, penalties and overdraft charges
$228 in October 2026 that did not need to go out. Put fixed payments on autopay and keep a due-date calendar.
- 03Check possible double payment: Shield Business Insurance
2 transactions of $486.20 in October 2026. If it is a duplicate, request a refund.
Advisor's opinion
What this month's numbers say, as read by a financial analyst
October closed with $49,311.33 in expenses against $61,400 in revenue, 11.2% above the average of the previous 3 months ($44,345.07). It was the second-best revenue month since May, and the increase in expenses followed the volume: labor ($28,650) and laundry ($9,150) add up to $37,800, or 77% of everything that went out. Over the last 3 months, however, expenses represent 81.2% of revenue, above the healthy level (up to 80%) and within the watch range (up to 90%). What weighs is not a cost out of control but the weak revenue of August and September ($49,800 and $52,300) against fixed costs that do not come down. Outside expenses, $8,000 went out in owner draws and $420 in van loan principal, and a $1,500 owner contribution came in on 10/14/2026 to cover a negative balance, a sign that cash got tight mid-month even in a good revenue month.
Group by group
Accounts that deserve attention
- Contract Labor - Cleaners (1099) · Labor: $28,650 in 36 payments, $2,517 above the average. Growth is proportional to revenue, so the cost per job held steady. With biweekly payments of up to $1,230, all 12 cleaners will cross the annual 1099-NEC threshold; make sure each one has a signed W-9 and a current address before January.
- Insurance · General & admin: $972.40 against a $486.20 average: the monthly policy was debited twice on 10/14/2026. Until the insurer refunds it, October's result is $486.20 worse than it really is.
- Advertising & Marketing · Marketing & sales: $1,540 against a $513 average, driven by the fall Google Ads campaign ($1,180). The spend itself fits the range; what is missing is the return math: how many quotes and how many new customers came from the campaign. Without that, there is no way to decide whether to repeat it.
- Bank Service Charges · Financial: $117 this month against a $15 average: three overdraft fees in two days. Together with the $1,500 owner contribution on the 14th, it shows the cleaners' biweekly pay (the 16th) landed before the property managers' payments (the 8th to the 22nd). It is a timing mismatch, not a revenue shortfall.
- Late Fees & Penalties · Financial: $125.50 in 4 charges that did not exist in previous months: credit card late fee, electricity late fee, returned item fee and a toll penalty. All of them go away with autopay and a minimum cash cushion.
Compared with the market
The comparison uses the ranges Flow BPO estimated for U.S. cleaning companies (NAICS 561720), based on the 2022 Economic Census and industry guides; they are provisional ranges, useful as direction rather than as a hard rule. In total, expenses are at 81.2% of revenue over the last 3 months, above the healthy level (up to 80%) and within the watch range (up to 90%). By group: labor (47.2%), supplies (5.6%), vehicles (3.1%), technology (0.9%), marketing (1.5%), professional services (1%), general & admin (1.6%) and financial (1.5%) are all within the healthy range; occupancy (3.8%) is in the watch range; laundry (14.9%) has no published benchmark. In practice, the cost structure is healthy for the company's size; what keeps it out of the green is revenue volatility, which dropped about 20% in August and September while rent, insurance and subscriptions stayed the same.
Suggestions
- Dispute the second $486.20 debit of 10/14/2026 with Shield Business Insurance and request the refund. Deadline: this week. Meanwhile, confirm the policy shows as paid once, not twice.
- Put rent, insurance, the van loan, electricity and subscriptions on autopay and keep a minimum $5,000 cushion in the operating account. October had $227.50 in avoidable fees and penalties; at that pace, about $2,730 per year. It is also worth asking the bank to waive the $15 monthly fee based on the relationship.
- Align collection dates with the cleaners' pay. The property managers pay between the 8th and the 22nd and pay runs go out on the 2nd, 16th and 30th: that gap produced the overdrafts of 10/13 and 10/14. Negotiating payment by the 10th with the property managers, or moving the second pay run to the 20th, fixes it at no cost.
- Measure the return on the fall Google Ads campaign ($1,180). Count how many quotes and new customers came from it in October and November and work out the cost per customer. If it is below the value of a first job, repeat it in January and April, the moving months; if not, go back to the $400 level.
- Negotiate FreshFold Linen Co.'s rate card. It is $9,150 per month, about $110,000 per year, with a single vendor and guaranteed volume. Ask for a per-pound or per-load price with a volume discount and get quotes from at least two competitors in Orlando. Every 5% discount is worth about $5,500 per year, the largest saving the numbers show.
- Set the owner's monthly draw by the worst month, not the best. In October $8,000 went out and $1,500 had to come back; in August, with $49,800 in revenue, a $2,500 contribution was needed. A fixed draw of about $6,000, with a top-up only after the month closes, ends the emergency contributions.
- Collect the 12 cleaners' W-9s now. With biweekly payments of up to $1,230, all of them exceed the annual threshold that requires a 1099-NEC, due by 01/31/2027. Gathering W-9s and addresses before year-end avoids a scramble in January; confirm the current threshold with your CPA.
Risks to watch
- Unstable revenue: July ($63,500) and October ($61,400) were good, but August and September hovered around $50,000. Since labor and laundry are variable but rent, insurance and subscriptions (about $3,000 per month) are not, a weak month pushes total expenses toward 90% of revenue, the watch limit.
- Tight cash mid-month: three overdrafts and a $1,500 owner contribution in a good revenue month. If the pattern repeats in a weak month, fees and penalties grow and the owner ends up covering the business out of pocket again.
- Single-vendor dependence in laundry: 14.9% of revenue concentrated in FreshFold Linen Co., with no market benchmark and no alternative quoted. Any price increase or disruption hits the short-term rental changeover cleanings directly.
- Customer concentration: three short-term rental property managers account for about 45% of revenue. Losing one of them removes $8,000 to $12,000 per month in billing without reducing fixed costs.
Opinion generated by artificial intelligence (Claude) from the numbers in this report and the U.S. industry benchmark; it does not replace your advisor's reading.