BUSINESS STARTUP CASH FLOW TEMPLATE INSTRUCTIONS Enter information and figures in cells which are coloured blue. Once you have completed entering information and figures, move to the next 3 sheets: - 'Regular cash flow' shows your cash flow based on the figures you entered - 'Pessimistic cash flow' reduces your sales projections by 20% (or the figure you choose) - 'Regular cash flow with actuals' allows you to enter 'actual' figures from your business for comparison purposes If you wish, you can alter and amend this template to suit the particular requirements of your business.
BUSINESS NAME
Business name First month (month 0) Total for first 6 months Total for second 6 months In or starting from month number
INCOME My Own Available Capital Remortgage Loan Grant Income Income from Sales Start-up Loan (eg 50/50 Finance)
0 0 0 0 0 Note: maximum loan is £25,000 0 1
EXPENDITURE Personal Drawings Start-up Costs Other Capital Expenditure Running Costs Transactional Bank Charges Rent on Premises Rates on Premises Gas/Electricity Usage Telephone Charges Wages (for others, not yourself) Advertising and Promotion Fuel Costs & Vehicle Road Tax Despatch Costs Professional Fees Other (including stationery) HP/Leasing
0 0 . 0
0 1
No transactional bank charges from Bank of Scotland in your first year of business 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
HP/Leasing Downpayment Financing Assets Business Protection Costs
0 0 0 Percent of sales 50% Percent 20% 0 0
Material Costs as % of sales PESSIMISTIC MODEL Reduce Sales by
Business name - YEAR ONE PROJECTED CASH FLOW Month 0 INCOME My Own Available Capital Remortgage Loan (if appropriate) Grant Income Income from Sales Start-up Loan (eg 50/50 Finance) Total Income EXPENDITURE Personal Drawings Start-up Costs Other Capital Expenditure Running Costs Transactional Bank Charges Rent on Premises Rates on Premises Gas/Electricity Usage Telephone Charges Wages (for others, not yourself) Advertising and Promotion Fuel Costs & Vehicle Road Tax Despatch Costs Professional Fees Other (including stationery) HP/Leasing Financing Assets Material Costs Business Protection Costs Start-up Loan Costs Total Expenditure Monthly Net Income/Expenditure Month 1 Month 2 Month 3 Month 4 Month 5 Month 6 Month 7 Month 8 Month 9
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
0
0 0 0
Cumulative Monthly Cashflow Position 0 0 0 Equivalent to bank balance (note: if negative working capital finance will be required)
Month 10 Month 11 Month 12
Total
0
0
0
0 0 0 0 0 0
0
0
0
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Business name - YEAR ONE PROJECTED CASH FLOW PESSIMISTIC MODEL (SALES REDUCED) Month 0 Month 1 INCOME My Own Available Capital Remortgage Loan (if appropriate) Grant Income Income from Sales Start-up Loan (eg 50/50 Finance) Total Income EXPENDITURE Personal Drawings Start-up Costs Other Capital Expenditure Running Costs Transactional Bank Charges Rent on Premises Rates on Premises Gas/Electricity Usage Telephone Charges Wages (for others, not yourself) Advertising and Promotion Fuel Costs & Vehicle Road Tax Despatch Costs Professional Fees Other (including stationery) HP/Leasing Financing Assets Material Costs Business Protection Costs Start-up Loan Costs Total Expenditure Monthly Net Income/Expenditure
Month 2
Month 3
Month 4
Month 5
Month 6
Month 7
Month 8
Month 9
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
0
0 0 0
Cumulative Monthly Cashflow Position 0 0 0 Equivalent to bank balance (NB if negative working capital finance will be required)
Month 10 Month 11 Month 12
Total
0
0
0
0 0 0 0 0 0
0
0
0
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Business name - YEAR ONE PROJECTED AND ACTUAL CASH FLOW Month 0 INCOME My Own Available Capital Remortgage Loan (if appropriate) Grant Income Income from Sales Start-up Loan (eg 50/50 Finance) Total Income EXPENDITURE Personal Drawings Start-up Costs Other Capital Expenditure Running Costs Transactional Bank Charges Rent on Premises Rates on Premises Gas/Electricity Usage Telephone Charges Wages (for others, not yourself) Advertising and Promotion Fuel Costs & Vehicle Road Tax Despatch Costs Professional Fees Other (including stationery) HP/Leasing Financing Assets Material Costs Business Protection Costs Start-up Loan Costs Total Expenditure Monthly Net Income/Expenditure Month 1 Actual Month 2 Actual Month 3 Actual Month 4 Actual Month 5 Actual
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
0
0 0 0
Cumulative Monthly Cashflow Position 0 0 0 Equivalent to bank balance (NB if negative working capital finance will be required)
Month 6
Actual
Month 7
Actual
Month 8
Actual
Month 9
Actual
Month 10
Actual
Month 11
Actual
Month 12
Actual
Total
Actual
0
0
0
0
0
0
0
0 0 0 0 0 0 0
0 0 0 0 0 0
0
0
0
0
0
0
0
0
0
0
0
0
0
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0