Business Startup Cash Flow template

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 Total for Total for In or starting from (month 0) first 6 months second 6 months month number INCOME My Own Available Capital 0 Remortgage Loan 0 Grant Income 0 Income from Sales 0 0 1 Start-up Loan (eg 50/50 Finance) 0 Note: maximum loan is £25,000 EXPENDITURE Personal Drawings 0 0 Start-up Costs 0 Other Capital Expenditure . 0 1 Running Costs Transactional Bank Charges No transactional bank charges from Bank of Scotland in your first year of business Rent on Premises 0 0 Rates on Premises 0 0 Gas/Electricity Usage 0 0 Telephone Charges 0 0 Wages (for others, not yourself) 0 0 Advertising and Promotion 0 0 Fuel Costs & Vehicle Road Tax 0 0 Despatch Costs 0 0 Professional Fees 0 0 Other (including stationery) 0 0 HP/Leasing 0 0HP/Leasing Downpayment 0 Financing Assets 0 0 Business Protection Costs 0 0 Percent of sales Material Costs as % of sales 50% PESSIMISTIC MODEL Percent Reduce Sales by 20%Business name -YEAR ONE PROJECTED CASH FLOW Month 0 Month 1 Month 2 Month 3 Month 4 Month 5 Month 6 Month 7 Month 8 Month 9 INCOME My Own Available Capital 0 Remortgage Loan (if appropriate) 0 Grant Income 0 Income from Sales 0 0 0 0 0 0 0 0 0 Start-up Loan (eg 50/50 Finance) 0 Total Income 0 0 0 0 0 0 0 0 0 0 EXPENDITURE Personal Drawings 0 0 0 0 0 0 0 0 0 Start-up Costs 0 Other Capital Expenditure 0 0 0 0 0 0 0 0 0 Running Costs Transactional Bank Charges 0 0 0 0 0 0 0 0 0 Rent on Premises 0 0 0 0 0 0 0 0 0 Rates on Premises 0 0 0 0 0 0 0 0 0 Gas/Electricity Usage 0 0 0 0 0 0 0 0 0 Telephone Charges 0 0 0 0 0 0 0 0 0 Wages (for others, not yourself) 0 0 0 0 0 0 0 0 0 Advertising and Promotion 0 0 0 0 0 0 0 0 0 Fuel Costs & Vehicle Road Tax 0 0 0 0 0 0 0 0 0 Despatch Costs 0 0 0 0 0 0 0 0 0 Professional Fees 0 0 0 0 0 0 0 0 0 Other (including stationery) 0 0 0 0 0 0 0 0 0 HP/Leasing 0 0 0 0 0 0 0 0 0 0 Financing Assets 0 0 0 0 0 0 0 0 0 Material Costs 0 0 0 0 0 0 0 0 0 Business Protection Costs 0 0 0 0 0 0 0 0 0 Start-up Loan Costs 0 0 0 0 0 0 0 0 0 0 Total Expenditure 0 0 0 0 0 0 0 0 0 0 Monthly Net Income/Expenditure 0 0 0 0 0 0 0 0 0 0 Cumulative Monthly Cashflow Position 0 0 0 0 0 0 0 0 0 0 Equivalent to bank balance (note: if negative working capital finance will be required)Month 10 Month 11 Month 12 Total 000 0 0 0 00 0 0 0 0 0 0 0 00 0 0 0 00 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0Business name -YEAR ONE PROJECTED CASH FLOW PESSIMISTIC MODEL (SALES REDUCED) Month 0 Month 1 Month 2 Month 3 Month 4 Month 5 Month 6 Month 7 Month 8 Month 9 INCOME My Own Available Capital 0 Remortgage Loan (if appropriate) 0 Grant Income 0 Income from Sales 0 0 0 0 0 0 0 0 0 Start-up Loan (eg 50/50 Finance) 0 Total Income 0 0 0 0 0 0 0 0 0 0 EXPENDITURE Personal Drawings 0 0 0 0 0 0 0 0 0 Start-up Costs 0 Other Capital Expenditure 0 0 0 0 0 0 0 0 0 Running Costs Transactional Bank Charges 0 0 0 0 0 0 0 0 0 Rent on Premises 0 0 0 0 0 0 0 0 0 Rates on Premises 0 0 0 0 0 0 0 0 0 Gas/Electricity Usage 0 0 0 0 0 0 0 0 0 Telephone Charges 0 0 0 0 0 0 0 0 0 Wages (for others, not yourself) 0 0 0 0 0 0 0 0 0 Advertising and Promotion 0 0 0 0 0 0 0 0 0 Fuel Costs & Vehicle Road Tax 0 0 0 0 0 0 0 0 0 Despatch Costs 0 0 0 0 0 0 0 0 0 Professional Fees 0 0 0 0 0 0 0 0 0 Other (including stationery) 0 0 0 0 0 0 0 0 0 HP/Leasing 0 0 0 0 0 0 0 0 0 0 Financing Assets 0 0 0 0 0 0 0 0 0 Material Costs 0 0 0 0 0 0 0 0 0 Business Protection Costs 0 0 0 0 0 0 0 0 0 Start-up Loan Costs 0 0 0 0 0 0 0 0 0 0 Total Expenditure 0 0 0 0 0 0 0 0 0 0 Monthly Net Income/Expenditure 0 0 0 0 0 0 0 0 0 0 Cumulative Monthly Cashflow Position 0 0 0 0 0 0 0 0 0 0 Equivalent to bank balance (NB if negative working capital finance will be required)Month 10 Month 11 Month 12 Total 000 0 0 0 00 0 0 0 0 0 0 0 00 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0Business name -YEAR ONE PROJECTED AND ACTUAL CASH FLOW Month 0 Month 1 Actual Month 2 Actual Month 3 Actual Month 4 Actual Month 5 Actual INCOME My Own Available Capital 0 Remortgage Loan (if appropriate) 0 Grant Income 0 Income from Sales 0 0 0 0 0 Start-up Loan (eg 50/50 Finance) 0 Total Income 0 0 0 0 0 0 0 0 0 0 0 EXPENDITURE Personal Drawings 0 0 0 0 0 Start-up Costs 0 Other Capital Expenditure 0 0 0 0 0 Running Costs Transactional Bank Charges 0 0 0 0 0 Rent on Premises 0 0 0 0 0 Rates on Premises 0 0 0 0 0 Gas/Electricity Usage 0 0 0 0 0 Telephone Charges 0 0 0 0 0 Wages (for others, not yourself) 0 0 0 0 0 Advertising and Promotion 0 0 0 0 0 Fuel Costs & Vehicle Road Tax 0 0 0 0 0 Despatch Costs 0 0 0 0 0 Professional Fees 0 0 0 0 0 Other (including stationery) 0 0 0 0 0 HP/Leasing 0 0 0 0 0 0 Financing Assets 0 0 0 0 0 Material Costs 0 0 0 0 0 Business Protection Costs 0 0 0 0 0 Start-up Loan Costs 0 0 0 0 0 0 Total Expenditure 0 0 0 0 0 0 0 0 0 0 0 Monthly Net Income/Expenditure 0 0 0 0 0 0 0 0 0 0 0 Cumulative Monthly Cashflow Position 0 0 0 0 0 0 0 0 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 00 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0