Halvard Joinery

Halvard buys timber on a two-line email.

Halvard buys timber on a two-line email.

Halvard buys timber on a two-line email.

A joinery owner who would rather be at the bench reads one weekly email, and now buys timber in bulk when the cash is there for it.

A joinery owner who would rather be at the bench reads one weekly email, and now buys timber in bulk when the cash is there for it.

Industry

Bespoke joinery and kitchens

Team

22 people

City

Minneapolis, MN

On Tarn since

September 2024

Tom Halvard

Owner, Tarn customer

8%

8%

better price on bulk timber

5 min

5 min

a week, all Tom spends on it

2

2

bulk timber buys a year, up from none

At a glance

Company

Halvard Joinery

Plan

Starter

Connected

Cedar Bank

Sheetwise

Northwind Payroll

Cash decisions made at the bench

Halvard Joinery builds kitchens, staircases and fitted furniture for homes and a few restaurants. Hardwood is its biggest cost after wages, and the timber yard gives a meaningful discount on a full truckload.

Tom never felt sure enough of the cash to take it. Customer deposits arrive at the start of a job and the balance at fitting, months apart, so he ordered timber job by job and spent most Friday afternoons on the phone with his bookkeeper.

One email, every Monday

Tom’s bookkeeper set Tarn up on the Starter plan with the business account, the job sheet they keep in Sheetwise and payroll. Tom only reads the Monday email, which states the lowest balance for the next thirteen weeks and whether there is room for a large purchase.

When the email says the room is there, he calls the timber yard. When it says wait, it says until when.

The weekly cash email Tom reads on Monday mornings.

“It is the only finance thing I read. If it says go, I order the truckload. If it says wait two weeks, I wait two weeks.”

“It is the only finance thing I read. If it says go, I order the truckload. If it says wait two weeks, I wait two weeks.”

Tom Halvard

Owner

Bigger orders, fewer calls

Halvard now buys hardwood twice a year in full loads and saves about 8% on its largest material cost. Tom spends roughly five minutes a week on cash, and his bookkeeper moved their call from weekly to monthly.

The numbers, before and after.

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

Measure

Before Tarn

With Tarn

Time spent on cash each week

Time spent on cash each week

Friday afternoons

Friday afternoons

5 minutes

5 minutes

How timber is bought

How timber is bought

Small monthly orders

Small monthly orders

Two bulk buys a year

Two bulk buys a year

Supplier discount

Supplier discount

None

None

8%

8%

Calls to the bookkeeper about cash

Calls to the bookkeeper about cash

Weekly

Weekly

Monthly

Monthly

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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