BUSINESS STARTUP CASH FLOW TEMPLATE
INSTRUCTIONS Enter data in yellow cells w/ blue font Start with Sheet 1, then move to Sheets 2, 3, and 4
TYPE BUSINESS NAME HERE Total First Six Months
First Month INCOME Personal Capital Remortgage Loan Other Income Income from Sales Start-Up Loan (Max $25K)
0 0 0 0 0
EXPENDITURE Personal Drawings Start-up Costs Other CapEx Rent Rates Utilities - Power Telephone Wages (For Others) Advertising and Promotion Fuel Professional Fees Other HP/Leasing HP/Leasing Downpayment Financing Assets Business Protection Costs
0 0 . 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Percent of Sales 50% Percent 20%
Material Costs as % of Sales DOWNSIDE SCENARIO Reduce Sales by
Total Starting Second Six Months Month NUMBER
0
1
0 1 0 0 0 0 0 0 0 0 0 0 0 0
TYPE BUSINESS NAME HERE - YEAR ONE PROJECTED CASH FLOW Month 0 Month 1 Month 2 Month 3 Month 4 Month 5 INCOME Personal Capital Remortgage Loan Other Income Income from Sales Start-Up Loan (Max $25K) Total Income EXPENDITURE Personal Drawings Start-up Costs Other CapEx Rent Rates Utilities - Power Telephone Wages (For Others) Advertising and Promotion Fuel Professional Fees Other HP/Leasing HP/Leasing Downpayment Financing Assets Business Protection Costs Start-Up Loan Costs Total Expenditure Monthly Net Income/Expenditure Cumulative Monthly Cashflow Position
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 #N/A #N/A #N/A #N/A
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 #N/A #N/A #N/A #N/A
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 #N/A #N/A #N/A #N/A
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
0
#N/A #N/A #N/A #N/A
Equivalent to bank balance (note: if negative working capital finance will be required)
Month 6 Month 7 Month 8 Month 9 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 #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 #N/A #N/A #N/A #N/A
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 #N/A #N/A #N/A #N/A
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 #N/A #N/A #N/A #N/A
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 #N/A #N/A #N/A #N/A
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 #N/A #N/A #N/A #N/A
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 #N/A #N/A #N/A #N/A
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
TYPE BUSINESS NAME HERE - YEAR ONE PROJECTED CASH FLOW Downside Scenario Month 0 Month 1 Month 2 Month 3 Month 4 Month 5 INCOME Personal Capital Remortgage Loan Other Income Income from Sales Start-Up Loan (Max $25K) Total Income EXPENDITURE Personal Drawings Start-up Costs Other CapEx Rent Rates Utilities - Power Telephone Wages (For Others) Advertising and Promotion Fuel Professional Fees Other HP/Leasing HP/Leasing Downpayment Financing Assets Business Protection Costs Start-Up Loan Costs Total Expenditure Monthly Net Income/Expenditure
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 #N/A #N/A #N/A #N/A #N/A #N/A
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 #N/A #N/A #N/A
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 #N/A #N/A #N/A #N/A
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 #N/A #N/A #N/A #N/A
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
0
#N/A #N/A #N/A
Cumulative Monthly Cashflow Position #N/A #N/A #N/A #N/A Equivalent to bank balance (NB if negative working capital finance will be required)
Month 6 Month 7 Month 8 Month 9 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 #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 #N/A #N/A #N/A #N/A
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 #N/A #N/A #N/A #N/A
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 #N/A #N/A #N/A #N/A
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 #N/A #N/A #N/A #N/A
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 #N/A #N/A #N/A #N/A
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 #N/A #N/A #N/A #N/A
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
TYPE BUSINESS NAME HERE - YEAR ONE PROJECTED AND ACTUAL CASH FLOW Month 0 Month 1 Actual Month 2 Actual Month 3 Actual INCOME Personal Capital Remortgage Loan Other Income Income from Sales Start-Up Loan (Max $25K) Total Income EXPENDITURE Personal Drawings Start-up Costs Other CapEx Rent Rates Utilities - Power Telephone Wages (For Others) Advertising and Promotion Fuel Professional Fees Other HP/Leasing HP/Leasing Downpayment Financing Assets Business Protection Costs Start-Up Loan Costs Total Expenditure Monthly Net Income/Expenditure Cumulative Monthly Cashflow Position
0 0 0 0 0 0 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 #N/A #N/A #N/A #N/A 0 0 #N/A #N/A
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 #N/A 0 0 #N/A
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
0
#N/A #N/A #N/A #N/A
#N/A #N/A #N/A
#N/A #N/A #N/A
0 0 #N/A
Equivalent to bank balance (NB if negative working capital finance will be required)
Month 4 Actual Month 5 Actual Month 6 Actual Month 7 Actual Month 8 Actual Month 9 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 #N/A #N/A #N/A #N/A 0 0 #N/A #N/A
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 #N/A 0 0 #N/A
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 #N/A 0 0 #N/A
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 #N/A 0 0 #N/A
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 #N/A 0 0 #N/A
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
#N/A #N/A #N/A
#N/A #N/A #N/A
#N/A #N/A #N/A
#N/A #N/A #N/A
#N/A #N/A #N/A
0 0 #N/A
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 #N/A #N/A #N/A #N/A 0 0 #N/A #N/A
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 #N/A 0 0 #N/A
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 #N/A 0 0 #N/A #N/A #N/A #N/A
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 #N/A #N/A #N/A #N/A
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
#N/A #N/A #N/A
#N/A #N/A #N/A