Fernwood Landscape Studio

Fernwood prices projects around payroll.

Fernwood prices projects around payroll.

Fernwood prices projects around payroll.

Projects pay in stages, and stages pay late. Fernwood now checks what a slow client does to payroll before it agrees to a fee schedule.

Projects pay in stages, and stages pay late. Fernwood now checks what a slow client does to payroll before it agrees to a fee schedule.

Industry

Landscape architecture

Team

9 people

City

Denver, CO

On Tarn since

June 2023

Amara Osei

Founder, Tarn customer

0

0

missed payroll runs since joining

3

3

payment schedules renegotiated

21 days

21 days

shorter wait for stage payments

At a glance

Company

Fernwood Landscape Studio

Plan

Growth

Connected

Harbor Bank

Ledgerly

Invoicely

Northwind Payroll

Good projects, slow money

Fernwood designs public courtyards, school grounds and private gardens. A typical project runs nine months and is billed in four stages, with most of the fee due after design development. Public clients often pay 45 to 60 days after an invoice is approved.

Payroll, on the other hand, runs every two weeks. In 2022 Amara delayed her own salary five times so the team could be paid on time, and she was signing projects without knowing which of them would leave a hole in the spring.

Every stage, and what happens if it slips

Each project’s fee schedule lives in Invoicely, and Tarn reads every stage as an expected payment. Before signing a new project, Amara opens a scenario with the proposed schedule and switches on a 45-day delay for the client.

If a slip would take payroll under the floor, she asks for a larger deposit or splits the biggest stage in two. Clients have accepted every revised schedule so far, because the reason is concrete.

Fernwood’s fee schedule for a courtyard project, with a 45-day delay tested against payroll.

“I stopped guessing which project would hurt. I can show a client the exact week their delay would land on our payroll, and they get it.”

“I stopped guessing which project would hurt. I can show a client the exact week their delay would land on our payroll, and they get it.”

Amara Osei

Founder

Schedules that fit the studio

Fernwood renegotiated three payment schedules in its first year, moved its standard deposit from 10% to 20%, and cut the average wait for a stage payment from 58 days to 37.

The studio has not missed or delayed a payroll run since joining, and Amara has been paid on time every month.

The numbers, before and after.

Measured by the team, comparing the year before Tarn with the year since.

Measure

Before Tarn

With Tarn

Average wait for a stage payment

Average wait for a stage payment

58 days

58 days

37 days

37 days

Deposit at signing

Deposit at signing

10%

10%

20%

20%

Payroll weeks under the floor

Payroll weeks under the floor

5 a year

5 a year

None

None

Agreeing a new fee schedule

Agreeing a new fee schedule

A week of emails

A week of emails

One call

One call

Your next eighteen months, mapped.

Connect a bank in ten minutes and see this year’s tight weeks before lunch.

Cash-flow forecasting for small and mid-size businesses.

The Tarn letter: one cash-flow idea a month

© 2026 Tarn Software Ltd

Read-only bank access · Data encrypted at rest

tarn

Your next eighteen months, mapped.

Connect a bank in ten minutes and see this year’s tight weeks before lunch.

Cash-flow forecasting for small and mid-size businesses.

The Tarn letter: one cash-flow idea a month

© 2026 Tarn Software Ltd

Read-only bank access · Data encrypted at rest

tarn

Your next eighteen months, mapped.

Connect a bank in ten minutes and see this year’s tight weeks before lunch.

Cash-flow forecasting for small and mid-size businesses.

The Tarn letter: one cash-flow idea a month

© 2026 Tarn Software Ltd

Read-only bank access · Data encrypted at rest

tarn

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