cash flow template[1]

Cash Flow - Year One Insert Business Name Insert Dates Here (eg. Sep 2004 to Aug 2005) Cash Receipts: Loan Proceeds- new money only Personal Investment Sales Other Other Total Cash Receipts Cash Disbursements: Initial Purchase of Inventory Inventory Purchases Purchased Fixed Assets Advertising/Promotion Bank Charges Office Supplies Rent Mainteneance Travel/Automobile/Tow Truck Exp. Telephone/Internet Utilities Wages and Benefits Principal (Owners) Drawings Insurance Taxes & Licenses Professional Fees Loan Repayment-Principal* Interest on Loans* Operating Line of Credit Interest** Contingency Other Total Cash Disbursements Month 1 Month 2 Month 3 Month 4 Month 5 Month 6 Month 7 Month 8 Month 9 Month 10 Month 11 Month 12 Total SUMMARY Opening Cash Balance Total Cash Receipts Total Cash Available Total Cash Disbursements Ending Cash Balance Operating Line of Credit 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 Cash Flow - Year Two Insert Business Name Insert Dates Here (eg. Sep 2004 to Aug 2005) Cash Receipts: Loan Proceeds- new money only Personal Investment Sales Other Other Total Cash Receipts Cash Disbursements: Inventory Purchases Purchased Fixed Assets Advertising/Promotion Bank Charges Office Supplies Rent Mainteneance Travel/Automobile/Tow Truck Exp. Telephone/Internet Utilities Wages and Benefits Principal (Owners) Drawings Insurance Taxes & Licenses Professional Fees Loan Repayment-Principal* Interest on Loans* Operating Line of Credit Interest** Contingency Other Total Cash Disbursements Month 13 Month 14 Month 15 Month 16 Month 17 Month 18 Month 19 Month 20 Month 21 Month 22 Month 23 Month 24 Total SUMMARY Opening Cash Balance Total Cash Receipts Total Cash Available Total Cash Disbursements Ending Cash Balance Operating Line of Credit 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 2 Cash Flow - Year Three Insert Business Name Insert Dates Here (eg. Sep 2004 to Aug 2005) Cash Receipts: Loan Proceeds- new money only Personal Investment Sales Other Other Total Cash Receipts Cash Disbursements: Inventory Purchases Purchased Fixed Assets Advertising/Promotion Bank Charges Office Supplies Rent Mainteneance Travel/Automobile/Tow Truck Exp. Telephone/Internet Utilities Wages and Benefits Principal (Owners) Drawings Insurance Taxes & Licenses Professional Fees Loan Repayment-Principal* Interest on Loans* Operating Line of Credit Interest** Contingency Other Total Cash Disbursements Month 25 Month 26 Month 27 Month 28 Month 29 Month 30 Month 31 Month 32 Month 33 Month 34 Month 35 Month 36 Total SUMMARY Opening Cash Balance Total Cash Receipts Total Cash Available Total Cash Disbursements Ending Cash Balance Operating Line of Credit 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 3 Insert Business Name Comparative Pro Forma Income Statement For first three fiscal years Year One Revenue: Sales Other Other Total Revenue Cost of Goods Sold Gross Profit Expenses: Advertising/Promotion Bank Charges Office Supplies Rent Mainteneance Travel/Automobile/Tow Truck Exp. Telephone/Internet Utilities Wages and Benefits Insurance Taxes & Licenses Professional Fees Interest on Loans* Operating Line of Credit Interest** Contingency Other Total Expenses Net Income (before taxes & depreciation) 0 0 0 Year Two 0 0 0 Year Three 0 0 0 - - - - Cash Flow - Year One XYZ Business March 2006 to Feb 2007 Cash Receipts: Loan Proceeds- new money only Personal Investment Sales Other Other Total Cash Receipts Cash Disbursements: Initial Purchase of Inventory Inventory Purchases Purchased Fixed Assets Advertising/Promotion Bank Charges Office Supplies Rent Mainteneance Travel/Automobile/Tow Truck Exp. Telephone/Internet Utilities Wages and Benefits Principal (Owners) Drawings Insurance Taxes & Licenses Professional Fees Loan Repayment-Principal* Interest on Loans* Operating Line of Credit Interest** Contingency Other Total Cash Disbursements 500 123,600 50,000 200 50 200 1,000 50 1,000 600 1,000 10,000 3,000 380 300 200 3,320 1,800 200 50 200 1,000 50 1,000 600 1,000 10,000 3,000 380 3,500 200 3,320 1,800 407 500 47,207 200 50 200 1,000 50 1,000 600 1,000 10,000 3,000 380 200 3,320 1,800 389 500 43,689 200 50 200 1,000 50 1,000 600 1,000 10,000 3,000 380 200 3,320 1,800 350 500 43,650 200 50 200 1,000 50 1,000 600 1,000 10,000 3,000 380 200 3,320 1,800 310 500 47,610 200 50 200 1,000 50 1,000 600 1,000 10,000 3,000 380 20 200 3,320 1,800 233 500 47,553 200 50 200 1,000 50 1,000 600 1,000 10,000 3,000 380 200 3,320 1,800 155 500 43,455 200 50 200 1,000 50 1,000 600 1,000 10,000 3,000 380 200 3,320 1,800 114 500 43,414 200 50 200 1,000 50 1,000 600 1,000 10,000 3,000 380 200 3,320 1,800 73 500 47,373 200 50 200 1,000 50 1,000 600 1,000 10,000 3,000 380 200 3,320 1,800 500 47,300 200 50 200 1,000 50 1,000 600 1,000 10,000 3,000 380 200 3,320 1,800 500 39,300 200 50 200 1,000 50 1,000 600 1,000 10,000 3,000 380 200 3,320 1,800 500 47,300 50,000 20,000 20,000 20,000 24,000 24,000 20,000 20,000 24,000 24,000 16,000 24,000 50,000 236,000 50,000 2,400 600 2,400 12,000 600 12,000 7,200 12,000 120,000 36,000 4,560 3,820 2,400 39,840 21,600 2,031 6,000 505,200 50,000 58,500 50,000 50,000 50,000 60,000 60,000 50,000 50,000 60,000 60,000 40,000 60,000 50,000 50,000 50,000 8,500 60,000 60,000 50,000 50,000 60,000 60,000 40,000 60,000 8,500 640,000 648,500 March April May June July August Sept October Nov Dec January February Total SUMMARY Opening Cash Balance Total Cash Receipts Total Cash Available Total Cash Disbursements Ending Cash Balance Operating Line of Credit 58,500 58,500 123,600 (65,100) 65,100 (65,100) 50,000 (15,100) 47,207 (62,307) 62,307 (62,307) 50,000 (12,307) 43,689 (55,996) 55,996 (55,996) 50,000 (5,996) 43,650 (49,646) 49,646 (49,646) 60,000 10,354 47,610 (37,256) 37,256 (37,256) 60,000 22,744 47,553 (24,809) 24,809 (24,809) 50,000 25,191 43,455 (18,264) 18,264 (18,264) 50,000 31,736 43,414 (11,678) 11,678 (11,678) 60,000 48,322 47,373 949 0 949 60,000 60,949 47,300 13,649 0 13,649 40,000 53,649 39,300 14,349 0 14,349 60,000 74,349 47,300 27,049 0 0 648,500 648,500 505,200 143,300 0 5