Download spreadsheets, templates, and guides built specifically for small business owners. Payroll, food costing, inventory, payment processing — everything you need, free and ready to use.
The insider guide every small business owner should read before signing with any payment processor. Learn the hidden fees, how to read your statement, and the questions to ask that honest processors won't mind answering.
Calculate the true cost of every dish on your menu. Enter your ingredient prices and quantities, and this sheet does the math — food cost percentage, selling price, and profit margin per item.
A detailed costing sheet to break down the cost of individual menu items by ingredient. Great for building accurate menu prices or evaluating where your food cost is creeping up.
Track employee hours, wages, and tips in one organized spreadsheet. Built for restaurant pay periods — just enter the hours worked and the sheet calculates regular pay, overtime, and totals.
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.
Compare quotes from multiple food and beverage vendors side by side. Track pricing, delivery schedules, minimums, and terms so you can make confident sourcing decisions without losing track of the details.
Keep tabs on your stock levels, reorder points, and supplier info in one clean sheet. Works for retail, restaurant, or any product-based business that needs a simple way to avoid running out of what they need.
Enter your revenue, cost of goods, and operating expenses to see exactly where your profit goes. A simple, no-fluff calculator that gives you a clear picture of your margins — and where to focus to improve them.
Plan and publish your weekly employee schedule in a clean, easy-to-read format. Add shifts by day and role, and the sheet totals up hours automatically so you can manage labor costs before the week starts.
A clean, professional invoice template for service-based businesses. Add your logo, client details, line items, and payment terms. Easy to customize and ready to send the same day you download it.
Compare multiple POS systems side by side before you buy or lease. Hardware cost, monthly fees, contract terms, processing rates, and supported features — all in one organized sheet so you make a decision based on facts, not a sales pitch.
A structured form to evaluate any payment processor apples-to-apples. Rate them on pricing transparency, contract terms, equipment costs, support quality, and more. Use it with multiple processors to find the one that actually fits your business.
A companion guide 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 evaluating when you compare processors.
Get a head start on the merchant account application process. This pre-application captures everything a processor needs upfront — business type, volume, banking info, ownership — so you're ready to move fast when you find the right processor.
A complete 12-page guide for any business owner shopping for a POS system — covering hidden fees, contract traps, cash discount vs. surcharge rules, and the questions every vendor hopes you never ask. Includes a printable POS Evaluation Form your reps complete and sign so you can compare them side by side.
Most free business templates online are too generic to be useful. They were built for someone else's industry, don't account for the way small businesses actually track things, and leave you doing half the work anyway. These tools are different.
Inspivo works with small business owners every day — restaurants, retail shops, contractors, salons. A recurring theme we hear is that the basics are harder than they need to be. Tracking food cost. Scheduling staff. Comparing vendors. Evaluating a payment processor. These are things every business owner deals with, but most can't justify paying $50/month for a software tool that does one of them.
So we built these tools in Excel and PDF format — 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 find these tools helpful and ever want help with payment processing or a POS system, we're here. But there's no obligation, ever.
Use our free savings calculator or get a personalized quote — no personal or business details needed to start.
