Spreadsheets, templates, and guides built for small business owners — payroll, food costing, inventory, vendor comparisons, and payment processing. Every one is a direct download: no email, no phone number, no callbacks.
The guide every small business owner should read before signing with any payment processor — including us.
Calculate the true cost of every dish on your menu. Enter ingredient prices and quantities and the sheet does the math — food cost percentage, selling price, and profit margin per item.
Best for: Restaurants, cafés, food trucks
Download free (.xlsx) →Break down the cost of individual menu items by ingredient. Great for building accurate menu prices or spotting where food cost is creeping up.
Best for: Menu pricing, cost control
Download free (.xlsx) →Track employee hours, wages, and tips in one organized spreadsheet. Built for restaurant pay periods — enter hours and it calculates regular pay, overtime, and totals.
Best for: Restaurants, bars, cafés
Download free (.xlsx) →Count and track your full bar inventory — spirits, wine, beer, and mixers. Calculate variance between what you poured and what you sold to catch over-pouring or shrinkage quickly.
Best for: Bars, restaurants with bar programs
Download free (.xlsx) →Compare quotes from multiple food and beverage vendors side by side — pricing, delivery schedules, minimums, and terms — so you can make confident sourcing decisions.
Best for: Sourcing, vendor negotiations
Download free (.xlsx) →Keep tabs on stock levels, reorder points, and supplier info in one clean sheet. Works for retail, restaurant, or any product-based business.
Best for: Retail, restaurants, any product business
Download free (.xlsx) →Enter your revenue, cost of goods, and operating expenses to see exactly where your profit goes — and where to focus to improve your margins.
Best for: Any small business owner
Download free (.xlsx) →Plan and publish your weekly employee schedule in a clean format. Add shifts by day and role and the sheet totals hours automatically so you can manage labor costs before the week starts.
Best for: Any business with hourly staff
Download free (.xlsx) →A clean, professional invoice for service-based businesses. Add your logo, client details, line items, and payment terms — ready to send the same day you download it.
Best for: Contractors, service businesses, freelancers
Download free (.xlsx) →Compare multiple POS systems side by side before you buy or lease — hardware cost, monthly fees, contract terms, processing rates, and supported features in one organized sheet.
Best for: Any business shopping for a POS system
Download free (.xlsx) →A structured form to evaluate any payment processor apples-to-apples: pricing transparency, contract terms, equipment costs, support quality, and more.
Best for: Businesses reviewing or switching processors
Download free (.pdf) →A companion to the Processor Evaluation Form. Explains every term in plain English — interchange, basis points, tiered pricing, PCI compliance fees — so you know exactly what you're comparing.
Best for: Use alongside the Evaluation Form
Download free (.pdf) →Get a head start on the merchant account application. Captures everything a processor needs upfront — business type, volume, banking info, ownership — so you're ready to move fast.
Best for: Businesses applying for a merchant account
Download free (.pdf) →A complete 12-page guide covering hidden fees, contract traps, cash discount vs. surcharge rules, and the questions every vendor hopes you never ask. Includes a printable evaluation form reps complete and sign.
Best for: Any business evaluating or switching POS systems
Download free (.pdf) →Inspivo works with small business owners every day — restaurants, retail shops, contractors, salons. A recurring theme: the basics are harder than they need to be. Tracking food cost. Scheduling staff. Comparing vendors. Evaluating a payment processor. Every owner deals with these, but most can't justify $50/month for a software tool that does just one of them.
So we built these in Excel and PDF — software every business owner already has — and made them free, forever, with no sign-up required.
Every tool on this page is a direct download — click and it's yours. We don't ask for your email, your phone number, or anything else. If you ever want help with payment processing or a POS system, we're here. But there's no obligation, ever.
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