Cash Flow (12 months) Enter Company Name Here Pre-Startup EST Jan-06 Feb-06 Mar-06 Apr-06 May-06 Cash on Hand (beginning of month) 0 0 0 0 0 CASH RECEIPTS Cash Sales Collections fm CR accounts Loan/other cash inj. TOTAL CASH RECEIPTS 0 0 0 0 0 0 Total Cash Available (before cash out) 0 0 0 0 0 0 CASH PAID OUT Purchases (merchandise) Purchases (specify) Purchases (specify) Gross wages (exact withdrawal) Payroll expenses (taxes, etc.) Outside services Supplies (office & oper.) Repairs & maintenance Advertising Car, delivery & travel Accounting & legal Rent Telephone Utilities Insurance Taxes (real estate, etc.) Interest Other expenses (specify) Other (specify) Other (specify) Miscellaneous SUBTOTAL 0 0 0 0 0 0 Loan principal payment Notes on Preparation Note: You may want ins truc tions , c lic k Refer bac k to y our c as h to c ome and will ac tually c ollec t ex pens es ; now predic t items will be the us ually paid in the Ins uranc e and s ome s emiannually , ev en Flow as realis tic forec as t work ing y our ac c ounting s y s tem. Note that lines for alway s are different Capital Purc has es , Profit & Los s Projec tion. to be inc luded in Flow bec aus e y ou Injec tions go in the to the time c ov ered ex pans ion projec ts bottom s ec tion, "ESSENTIAL allows y ou to trac k bes t way to forec as t to hav e. Projec t all dangerous ly low Many profitable bus ines s for money to flow is the financ ial lifebloodCompany Name Here Fiscal Year Begins: Jan-06 Jun-06 Jul-06 Aug-06 Sep-06 Oct-06 Nov-06 Dec-06 Total Item EST 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Preparation want to pr int this information to us e as referenc e later . To delete thes e c lic k the border of this tex t box and then pres s the DELETE k ey . y our Profit & Los s Projec tion. Line-by-line as k y ours elf when y ou s hould ex pec t and go. You hav e already done a s ales projec tion, now y ou mus t predic t when y ou c ollec t from c us tomers . On the ex pens e s ide, y ou hav e prev ious ly projec ted predic t when y ou will ac tually hav e to wr ite the c hec k to pay thos e bills . Mos t s ame as on the Profit & Los s Projec tion. Rent and utility bills , for ins tanc e, are the month they are inc ur red. Other items will differ from the Profit & Los s v iew. s ome ty pes of tax es , for ex ample, may ac tually be pay able quar ter ly or ev en though y ou rec ogniz e them as monthly ex pens es . J us t try to mak e the Cas h realis tic as y ou c an line by line. The pay off for y ou will be an ability to manage and work ing c apital needs . Change the c ategory labels in the left c olumn as needed to fit c ountings y s tem. for 'Loan pr inc ipal payment' through 'Owners ' Withdrawal' are for items that different on the Cas h Flow than on the Profit & Los s . Loan Pr inc ipal Payment, Purc has es , and Owner 's Draw s imply do not, by the rules of ac c ounting, s how up on the Projec tion. They do, howev er , definitely tak e c as h out of the bus ines s , and s o need in y our Cas h plan. On the other hand, y ou will not find Deprec iation on the Cas h y ou nev er wr ite a c hec k for Deprec iation. Cas h from Loans Rec eiv ed and Owners ' the "Loan/other c as h inj." row. The "Pre-Star tup" c olumn is for c as h outlay s pr ior c ov ered by the Cas h Flow. It is intended pr imar ily for new bus ines s tar tups or major projec ts where a great deal of c as h mus t go out before operations c ommenc e. The ec tion,"ESSENTIAL OPERATING DATA", is not ac tually par t of the Cas h model, but it trac k items whic h hav e a heav y impac t on c as h. The Cas h Flow Projec tion is the forec as t work ing c apital needs . Begin with the amount of Cas h on Hand y ou ex pec t Projec tall the Rec eipts and Paid Outs for the y ear . If CASH POSITION gets low or negativ e, y ou will need to pump in more c as h to k eep the operation afloat. profitablebus ines s es hav e gone under bec aus e they c ould not pay the bills while waiting flow in. Your c reditors do not c are about profit; they want to be paid with c as h. Cas h lifeblood of y our bus ines s . Capital purchase (specify) Other startup costs Reserve and/or Escrow Owners' Withdrawal TOTAL CASH PAID OUT 0 0 0 0 0 0 Cash Position (end of month) 0 0 0 0 0 0 ESSENTIAL OPERATING DATA (non cash flow information) Sales Volume (dollars) Accounts Receivable Bad Debt (end of month) Inventory on hand (eom) Accounts Payable (eom) Depreciation0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0