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Cash Flow Twelve month cash flow Fiscal Year

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Cash Flow Twelve month cash flow Fiscal Year Powered By Docstoc
					Twelve-month cash flow                                                                                                                                                       Fiscal Year Begins:             Jan-09
                                 Pre-Startup                                                                                                                                                               Total Item
                                               Jan-09       Feb-09       Mar-09       Apr-09       May-09       Jun-09       Jul-09       Aug-09       Sep-09       Oct-09       Nov-09       Dec-09
                                    EST                                                                                                                                                                       EST
Cash on Hand (beginning of
                                                        0            0            0            0            0            0            0            0            0            0            0            0
month)

CASH RECEIPTS
Cash Sales - Services                                                                                                                                                                                               0

Cash Sales - Merchandise                                                                                                                                                                                            0

Loan injection                                                                                                                                                                                                      0

TOTAL CASH RECEIPTS                        0            0            0            0            0            0            0            0            0            0            0            0            0            0
Total Cash Available (before
                                           0            0            0            0            0            0            0            0            0            0            0            0            0
cash out)

CASH PAID OUT
Purchases (merchandise)                                                                                                                                                                                             0

Equipment                                                                                                                                                                                                           0

Purchases (specify)                                                                                                                                                                                                 0

Gross wages (exact withdrawal)                                                                                                                                                                                      0

Payroll expenses (taxes, etc.)                                                                                                                                                                                      0

Outside services                                                                                                                                                                                                    0

Supplies (office & oper.)                                                                                                                                                                                           0

Repairs & maintenance                                                                                                                                                                                               0

Advertising                                                                                                                                                                                                         0

Car, delivery & travel                                                                                                                                                                                              0

Accounting & legal                                                                                                                                                                                                  0

Rent                                                                                                                                                                                                                0

Telephone                                                                                                                                                                                                           0

Utilities                                                                                                                                                                                                           0

Building - Insurance                                                                                                                                                                                                0

Taxes (real estate, etc.)                                                                                                                                                                                           0

Other                                                                                                                                                                                                               0

Other                                                                                                                                                                                                               0

Other                                                                                                                                                                                                               0

License                                                                                                                                                                                                             0

Loan Interest Payment                                                                                                                                                                                               0

SUBTOTAL                                   0            0            0            0            0            0            0            0            0            0            0            0            0            0

Loan principal payment                                                                                                                                                                                              0

Capital purchase (specify)                                                                                                                                                                                          0

Other startup costs                                                                                                                                                                                                 0

Reserve and/or Escrow                                                                                                                                                                                               0

Owners' Withdrawal                                                                                                                                                                                                  0

TOTAL CASH PAID OUT                        0            0            0            0            0            0            0            0            0            0            0            0            0            0

Cash Position (end of month)               0            0            0            0            0            0            0            0            0            0            0            0            0

ESSENTIAL OPERATING DATA (non cash flow information)
Revenue                                                                                                                                                                                                             0

COGS

Gross Margin                                                                                                                                                                                                        0

Expenses                                                                                                                                                                                                            0

Profit                                                                                                                                                                                                              0
Twelve-month cash flow                                                                                                                                         Fiscal Year Begins:             Jan-10
                                                                                                                                                                                             Total Item
                                 Jan-10       Feb-10       Mar-10       Apr-10       May-10       Jun-10       Jul-10       Aug-10       Sep-10       Oct-10       Nov-10       Dec-10
                                                                                                                                                                                                EST
Cash on Hand (beginning of
                                          0            0            0            0            0            0            0            0            0            0            0            0
month)

CASH RECEIPTS
Cash Sales - Services                                                                                                                                                                                 0

Cash Sales - Merchandise                                                                                                                                                                              0

Loan injection                                                                                                                                                                                        0

TOTAL CASH RECEIPTS                       0            0            0            0            0            0            0            0            0            0            0            0            0
Total Cash Available (before
                                          0            0            0            0            0            0            0            0            0            0            0            0
cash out)

CASH PAID OUT
Purchases (merchandise)                                                                                                                                                                               0

Equipment                                                                                                                                                                                             0

Purchases (specify)                                                                                                                                                                                   0

Gross wages (exact withdrawal)                                                                                                                                                                        0

Payroll expenses (taxes, etc.)                                                                                                                                                                        0

Outside services                                                                                                                                                                                      0

Supplies (office & oper.)                                                                                                                                                                             0

Repairs & maintenance                                                                                                                                                                                 0

Advertising                                                                                                                                                                                           0

Car, delivery & travel                                                                                                                                                                                0

Accounting & legal                                                                                                                                                                                    0

Rent                                                                                                                                                                                                  0

Telephone                                                                                                                                                                                             0

Utilities                                                                                                                                                                                             0

Building - Insurance                                                                                                                                                                                  0

Taxes (real estate, etc.)                                                                                                                                                                             0

Other                                                                                                                                                                                                 0

Other                                                                                                                                                                                                 0

Other                                                                                                                                                                                                 0

License                                                                                                                                                                                               0

Loan Interest Payment                                                                                                                                                                                 0

SUBTOTAL                                  0            0            0            0            0            0            0            0            0            0            0            0            0

Loan principal payment                                                                                                                                                                                0

Capital purchase (specify)                                                                                                                                                                            0

Other startup costs                                                                                                                                                                                   0

Reserve and/or Escrow                                                                                                                                                                                 0

Owners' Withdrawal                                                                                                                                                                                    0

TOTAL CASH PAID OUT                       0            0            0            0            0            0            0            0            0            0            0            0            0

Cash Position (end of month)              0            0            0            0            0            0            0            0            0            0            0            0


ESSENTIAL OPERATING DATA (non cash flow information)
Revenue                                                                                                                                                                                               0

COGS

Gross Margin                                                                                                                                                                                          0

Expenses                                                                                                                                                                                              0

Profit                                                                                                                                                                                                0
Twelve-month cash flow                                                                                                                                         Fiscal Year Begins:             Jan-11
                                                                                                                                                                                             Total Item
                                 Jan-11       Feb-11       Mar-11       Apr-11       May-11       Jun-11       Jul-11       Aug-11       Sep-11       Oct-11       Nov-11       Dec-11
                                                                                                                                                                                                EST
Cash on Hand (beginning of
                                          0            0            0            0            0            0            0            0            0            0            0            0
month)

CASH RECEIPTS
Cash Sales - Services                                                                                                                                                                                 0

Cash Sales - Merchandise                                                                                                                                                                              0

Loan injection                                                                                                                                                                                        0

TOTAL CASH RECEIPTS                       0            0            0            0            0            0            0            0            0            0            0            0            0
Total Cash Available (before
                                          0            0            0            0            0            0            0            0            0            0            0            0
cash out)

CASH PAID OUT
Purchases (merchandise)                                                                                                                                                                               0

Equipment                                                                                                                                                                                             0

Purchases (specify)                                                                                                                                                                                   0

Gross wages (exact withdrawal)                                                                                                                                                                        0

Payroll expenses (taxes, etc.)                                                                                                                                                                        0

Outside services                                                                                                                                                                                      0

Supplies (office & oper.)                                                                                                                                                                             0

Repairs & maintenance                                                                                                                                                                                 0

Advertising                                                                                                                                                                                           0

Car, delivery & travel                                                                                                                                                                                0

Accounting & legal                                                                                                                                                                                    0

Rent                                                                                                                                                                                                  0

Telephone                                                                                                                                                                                             0

Utilities                                                                                                                                                                                             0

Building - Insurance                                                                                                                                                                                  0

Taxes (real estate, etc.)                                                                                                                                                                             0

Other                                                                                                                                                                                                 0

Other                                                                                                                                                                                                 0

Other                                                                                                                                                                                                 0

License                                                                                                                                                                                               0

Loan Interest Payment                                                                                                                                                                                 0

SUBTOTAL                                  0            0            0            0            0            0            0            0            0            0            0            0            0

Loan principal payment                                                                                                                                                                                0

Capital purchase (specify)                                                                                                                                                                            0

Other startup costs                                                                                                                                                                                   0

Reserve and/or Escrow                                                                                                                                                                                 0

Owners' Withdrawal                                                                                                                                                                                    0

TOTAL CASH PAID OUT                       0            0            0            0            0            0            0            0            0            0            0            0            0

Cash Position (end of month)              0            0            0            0            0            0            0            0            0            0            0            0


ESSENTIAL OPERATING DATA (non cash flow information)
Revenue                                                                                                                                                                                               0

COGS

Gross Margin                                                                                                                                                                                          0

Expenses                                                                                                                                                                                              0

Profit                                                                                                                                                                                                0
AMORTIZATION TABLE AND PAYMENTS FOR
PAYMENTS FOR YEAR ONE OF A LOAN
LOAN AMT                $        1,200               MONTHLY
INTEREST RATE               1.0000%                  PAYMENT        $50.52
MONTHLY PMTS.                  12
LOAN TERM                          2.0 YEARS         BALANCE

MONTH NO.PAYMENT      INTEREST        PRINCIPLE      $     1,200
       1       $50.52 $       1.00    $      49.52   $     1,150
       2       $50.52 $       0.96    $      49.56   $     1,101
       3       $50.52 $       0.92    $      49.61   $     1,051
       4       $50.52 $       0.88    $      49.65   $     1,002
       5       $50.52 $       0.83    $      49.69   $       952
       6       $50.52 $       0.79    $      49.73   $       902
       7       $50.52 $       0.75    $      49.77   $       852
       8       $50.52 $       0.71    $      49.81   $       803
       9       $50.52 $       0.67    $      49.85   $       753
      10       $50.52 $       0.63    $      49.90   $       703
      11       $50.52 $       0.59    $      49.94   $       653
      12       $50.52 $       0.54    $      49.98   $       603
      13       $50.52 $       0.50    $      50.02   $       553
      14       $50.52 $       0.46    $      50.06   $       503
      15       $50.52 $       0.42    $      50.10   $       453
      16       $50.52 $       0.38    $      50.15   $       403
      17       $50.52 $       0.34    $      50.19   $       352
      18       $50.52 $       0.29    $      50.23   $       302
      19       $50.52 $       0.25    $      50.27   $       252
      20       $50.52 $       0.21    $      50.31   $       202
      21       $50.52 $       0.17    $      50.35   $       151
      22       $50.52 $       0.13    $      50.40   $       101
      23       $50.52 $       0.08    $      50.44   $        50
      24       $50.52 $       0.04    $      50.48   $        (0)
      25       $50.52 $      (0.00)   $      50.52   $       (51)
      26       $50.52 $      (0.04)   $      50.56   $      (101)
      27       $50.52 $      (0.08)   $      50.61   $      (152)
      28       $50.52 $      (0.13)   $      50.65   $      (202)
      29       $50.52 $      (0.17)   $      50.69   $      (253)
      30       $50.52 $      (0.21)   $      50.73   $      (304)
      31       $50.52 $      (0.25)   $      50.78   $      (355)
      32       $50.52 $      (0.30)   $      50.82   $      (405)
      33       $50.52 $      (0.34)   $      50.86   $      (456)
      34       $50.52 $      (0.38)   $      50.90   $      (507)
      35       $50.52 $      (0.42)   $      50.95   $      (558)
      36       $50.52 $      (0.47)   $      50.99   $      (609)
      37       $50.52 $      (0.51)   $      51.03   $      (660)
      38       $50.52 $      (0.55)   $      51.07   $      (711)
      39       $50.52 $      (0.59)   $      51.12   $      (762)
      40       $50.52 $      (0.64)   $      51.16   $      (813)
      41       $50.52 $      (0.68)   $      51.20   $      (865)
      42       $50.52 $      (0.72)   $      51.24   $      (916)
      43       $50.52 $      (0.76)   $      51.29   $      (967)
      44       $50.52 $      (0.81)   $      51.33   $    (1,018)
      45       $50.52 $      (0.85)   $      51.37   $    (1,070)
      46       $50.52 $      (0.89)   $      51.41   $    (1,121)
      47       $50.52 $      (0.93)   $      51.46   $    (1,173)
      48       $50.52 $      (0.98)   $      51.50   $    (1,224)
      49       $50.52 $      (1.02)   $      51.54   $    (1,276)
      50       $50.52 $      (1.06)   $      51.59   $    (1,327)
      51       $50.52 $      (1.11)   $      51.63   $    (1,379)
      52       $50.52 $      (1.15)   $      51.67   $    (1,431)
      53       $50.52 $      (1.19)   $      51.71   $    (1,482)
      54       $50.52 $      (1.24)   $      51.76   $    (1,534)
      55       $50.52 $      (1.28)   $      51.80   $    (1,586)
      56       $50.52 $      (1.32)   $      51.84   $    (1,638)
 57   $50.52   $   (1.36)   $   51.89   $   (1,690)
 58   $50.52   $   (1.41)   $   51.93   $   (1,742)
 59   $50.52   $   (1.45)   $   51.97   $   (1,794)
 60   $50.52   $   (1.49)   $   52.02   $   (1,846)
 61   $50.52   $   (1.54)   $   52.06   $   (1,898)
 62   $50.52   $   (1.58)   $   52.10   $   (1,950)
 63   $50.52   $   (1.62)   $   52.15   $   (2,002)
 64   $50.52   $   (1.67)   $   52.19   $   (2,054)
 65   $50.52   $   (1.71)   $   52.23   $   (2,106)
 66   $50.52   $   (1.76)   $   52.28   $   (2,159)
 67   $50.52   $   (1.80)   $   52.32   $   (2,211)
 68   $50.52   $   (1.84)   $   52.36   $   (2,263)
 69   $50.52   $   (1.89)   $   52.41   $   (2,316)
 70   $50.52   $   (1.93)   $   52.45   $   (2,368)
 71   $50.52   $   (1.97)   $   52.50   $   (2,421)
 72   $50.52   $   (2.02)   $   52.54   $   (2,473)
 73   $50.52   $   (2.06)   $   52.58   $   (2,526)
 74   $50.52   $   (2.10)   $   52.63   $   (2,578)
 75   $50.52   $   (2.15)   $   52.67   $   (2,631)
 76   $50.52   $   (2.19)   $   52.72   $   (2,684)
 77   $50.52   $   (2.24)   $   52.76   $   (2,737)
 78   $50.52   $   (2.28)   $   52.80   $   (2,789)
 79   $50.52   $   (2.32)   $   52.85   $   (2,842)
 80   $50.52   $   (2.37)   $   52.89   $   (2,895)
 81   $50.52   $   (2.41)   $   52.94   $   (2,948)
 82   $50.52   $   (2.46)   $   52.98   $   (3,001)
 83   $50.52   $   (2.50)   $   53.02   $   (3,054)
 84   $50.52   $   (2.55)   $   53.07   $   (3,107)
 85   $50.52   $   (2.59)   $   53.11   $   (3,160)
 86   $50.52   $   (2.63)   $   53.16   $   (3,213)
 87   $50.52   $   (2.68)   $   53.20   $   (3,267)
 88   $50.52   $   (2.72)   $   53.24   $   (3,320)
 89   $50.52   $   (2.77)   $   53.29   $   (3,373)
 90   $50.52   $   (2.81)   $   53.33   $   (3,426)
 91   $50.52   $   (2.86)   $   53.38   $   (3,480)
 92   $50.52   $   (2.90)   $   53.42   $   (3,533)
 93   $50.52   $   (2.94)   $   53.47   $   (3,587)
 94   $50.52   $   (2.99)   $   53.51   $   (3,640)
 95   $50.52   $   (3.03)   $   53.56   $   (3,694)
 96   $50.52   $   (3.08)   $   53.60   $   (3,747)
 97   $50.52   $   (3.12)   $   53.65   $   (3,801)
 98   $50.52   $   (3.17)   $   53.69   $   (3,855)
 99   $50.52   $   (3.21)   $   53.73   $   (3,908)
100   $50.52   $   (3.26)   $   53.78   $   (3,962)
101   $50.52   $   (3.30)   $   53.82   $   (4,016)
102   $50.52   $   (3.35)   $   53.87   $   (4,070)
103   $50.52   $   (3.39)   $   53.91   $   (4,124)
104   $50.52   $   (3.44)   $   53.96   $   (4,178)
105   $50.52   $   (3.48)   $   54.00   $   (4,232)
106   $50.52   $   (3.53)   $   54.05   $   (4,286)
107   $50.52   $   (3.57)   $   54.09   $   (4,340)
108   $50.52   $   (3.62)   $   54.14   $   (4,394)
109   $50.52   $   (3.66)   $   54.18   $   (4,448)
110   $50.52   $   (3.71)   $   54.23   $   (4,502)
111   $50.52   $   (3.75)   $   54.27   $   (4,557)
112   $50.52   $   (3.80)   $   54.32   $   (4,611)
113   $50.52   $   (3.84)   $   54.37   $   (4,665)
114   $50.52   $   (3.89)   $   54.41   $   (4,720)
115   $50.52   $   (3.93)   $   54.46   $   (4,774)
116   $50.52   $   (3.98)   $   54.50   $   (4,829)
117   $50.52   $   (4.02)   $   54.55   $   (4,883)
118   $50.52   $   (4.07)   $   54.59   $   (4,938)
119   $50.52   $   (4.11)   $   54.64   $   (4,993)
120   $50.52   $   (4.16)   $   54.68   $   (5,047)
121   $50.52   $   (4.21)   $   54.73   $   (5,102)
122   $50.52   $   (4.25)   $   54.77   $   (5,157)
123   $50.52   $   (4.30)   $   54.82   $   (5,212)
124   $50.52   $   (4.34)   $   54.87   $   (5,266)
125   $50.52   $   (4.39)   $   54.91   $   (5,321)
126   $50.52   $   (4.43)   $   54.96   $   (5,376)
127   $50.52   $   (4.48)   $   55.00   $   (5,431)
128   $50.52   $   (4.53)   $   55.05   $   (5,486)
129   $50.52   $   (4.57)   $   55.09   $   (5,541)
130   $50.52   $   (4.62)   $   55.14   $   (5,597)
131   $50.52   $   (4.66)   $   55.19   $   (5,652)
132   $50.52   $   (4.71)   $   55.23   $   (5,707)
133   $50.52   $   (4.76)   $   55.28   $   (5,762)
134   $50.52   $   (4.80)   $   55.32   $   (5,818)
135   $50.52   $   (4.85)   $   55.37   $   (5,873)
136   $50.52   $   (4.89)   $   55.42   $   (5,928)
137   $50.52   $   (4.94)   $   55.46   $   (5,984)
138   $50.52   $   (4.99)   $   55.51   $   (6,039)
139   $50.52   $   (5.03)   $   55.56   $   (6,095)
140   $50.52   $   (5.08)   $   55.60   $   (6,151)
141   $50.52   $   (5.13)   $   55.65   $   (6,206)
142   $50.52   $   (5.17)   $   55.69   $   (6,262)
143   $50.52   $   (5.22)   $   55.74   $   (6,318)
144   $50.52   $   (5.26)   $   55.79   $   (6,373)
145   $50.52   $   (5.31)   $   55.83   $   (6,429)
146   $50.52   $   (5.36)   $   55.88   $   (6,485)
147   $50.52   $   (5.40)   $   55.93   $   (6,541)
148   $50.52   $   (5.45)   $   55.97   $   (6,597)
149   $50.52   $   (5.50)   $   56.02   $   (6,653)
150   $50.52   $   (5.54)   $   56.07   $   (6,709)
151   $50.52   $   (5.59)   $   56.11   $   (6,765)
152   $50.52   $   (5.64)   $   56.16   $   (6,821)
153   $50.52   $   (5.68)   $   56.21   $   (6,878)
154   $50.52   $   (5.73)   $   56.25   $   (6,934)
155   $50.52   $   (5.78)   $   56.30   $   (6,990)
156   $50.52   $   (5.83)   $   56.35   $   (7,046)
157   $50.52   $   (5.87)   $   56.39   $   (7,103)
158   $50.52   $   (5.92)   $   56.44   $   (7,159)
159   $50.52   $   (5.97)   $   56.49   $   (7,216)
160   $50.52   $   (6.01)   $   56.54   $   (7,272)
161   $50.52   $   (6.06)   $   56.58   $   (7,329)
162   $50.52   $   (6.11)   $   56.63   $   (7,386)
163   $50.52   $   (6.15)   $   56.68   $   (7,442)
164   $50.52   $   (6.20)   $   56.72   $   (7,499)
165   $50.52   $   (6.25)   $   56.77   $   (7,556)
166   $50.52   $   (6.30)   $   56.82   $   (7,613)
167   $50.52   $   (6.34)   $   56.87   $   (7,669)
168   $50.52   $   (6.39)   $   56.91   $   (7,726)
169   $50.52   $   (6.44)   $   56.96   $   (7,783)
170   $50.52   $   (6.49)   $   57.01   $   (7,840)
171   $50.52   $   (6.53)   $   57.06   $   (7,897)
172   $50.52   $   (6.58)   $   57.10   $   (7,954)
173   $50.52   $   (6.63)   $   57.15   $   (8,012)
174   $50.52   $   (6.68)   $   57.20   $   (8,069)
175   $50.52   $   (6.72)   $   57.25   $   (8,126)
176   $50.52   $   (6.77)   $   57.29   $   (8,183)
177   $50.52   $   (6.82)   $   57.34   $   (8,241)
178   $50.52   $   (6.87)   $   57.39   $   (8,298)
179   $50.52   $   (6.92)   $   57.44   $   (8,356)
180   $50.52   $   (6.96)   $   57.49   $   (8,413)
181   $50.52   $   (7.01)   $   57.53   $   (8,471)
182   $50.52   $   (7.06)   $   57.58   $   (8,528)
183   $50.52   $   (7.11)   $   57.63   $   (8,586)
184   $50.52   $   (7.15)   $   57.68   $   (8,643)
185   $50.52   $   (7.20)   $   57.73   $   (8,701)
186   $50.52   $   (7.25)   $   57.77   $   (8,759)
187   $50.52   $   (7.30)   $   57.82   $   (8,817)
188   $50.52   $   (7.35)   $   57.87   $   (8,875)
189   $50.52   $   (7.40)   $   57.92   $    (8,933)
190   $50.52   $   (7.44)   $   57.97   $    (8,991)
191   $50.52   $   (7.49)   $   58.01   $    (9,049)
192   $50.52   $   (7.54)   $   58.06   $    (9,107)
193   $50.52   $   (7.59)   $   58.11   $    (9,165)
194   $50.52   $   (7.64)   $   58.16   $    (9,223)
195   $50.52   $   (7.69)   $   58.21   $    (9,281)
196   $50.52   $   (7.73)   $   58.26   $    (9,339)
197   $50.52   $   (7.78)   $   58.31   $    (9,398)
198   $50.52   $   (7.83)   $   58.35   $    (9,456)
199   $50.52   $   (7.88)   $   58.40   $    (9,514)
200   $50.52   $   (7.93)   $   58.45   $    (9,573)
201   $50.52   $   (7.98)   $   58.50   $    (9,631)
202   $50.52   $   (8.03)   $   58.55   $    (9,690)
203   $50.52   $   (8.07)   $   58.60   $    (9,748)
204   $50.52   $   (8.12)   $   58.65   $    (9,807)
205   $50.52   $   (8.17)   $   58.70   $    (9,866)
206   $50.52   $   (8.22)   $   58.74   $    (9,925)
207   $50.52   $   (8.27)   $   58.79   $    (9,983)
208   $50.52   $   (8.32)   $   58.84   $   (10,042)
209   $50.52   $   (8.37)   $   58.89   $   (10,101)
210   $50.52   $   (8.42)   $   58.94   $   (10,160)
211   $50.52   $   (8.47)   $   58.99   $   (10,219)
212   $50.52   $   (8.52)   $   59.04   $   (10,278)
213   $50.52   $   (8.57)   $   59.09   $   (10,337)
214   $50.52   $   (8.61)   $   59.14   $   (10,396)
215   $50.52   $   (8.66)   $   59.19   $   (10,455)
216   $50.52   $   (8.71)   $   59.24   $   (10,515)
217   $50.52   $   (8.76)   $   59.28   $   (10,574)
218   $50.52   $   (8.81)   $   59.33   $   (10,633)
219   $50.52   $   (8.86)   $   59.38   $   (10,693)
220   $50.52   $   (8.91)   $   59.43   $   (10,752)
221   $50.52   $   (8.96)   $   59.48   $   (10,812)
222   $50.52   $   (9.01)   $   59.53   $   (10,871)
223   $50.52   $   (9.06)   $   59.58   $   (10,931)
224   $50.52   $   (9.11)   $   59.63   $   (10,990)
225   $50.52   $   (9.16)   $   59.68   $   (11,050)
226   $50.52   $   (9.21)   $   59.73   $   (11,110)
227   $50.52   $   (9.26)   $   59.78   $   (11,170)
228   $50.52   $   (9.31)   $   59.83   $   (11,229)
229   $50.52   $   (9.36)   $   59.88   $   (11,289)
230   $50.52   $   (9.41)   $   59.93   $   (11,349)
231   $50.52   $   (9.46)   $   59.98   $   (11,409)
232   $50.52   $   (9.51)   $   60.03   $   (11,469)
233   $50.52   $   (9.56)   $   60.08   $   (11,529)
234   $50.52   $   (9.61)   $   60.13   $   (11,589)
235   $50.52   $   (9.66)   $   60.18   $   (11,650)
236   $50.52   $   (9.71)   $   60.23   $   (11,710)
237   $50.52   $   (9.76)   $   60.28   $   (11,770)
238   $50.52   $   (9.81)   $   60.33   $   (11,830)
239   $50.52   $   (9.86)   $   60.38   $   (11,891)
240   $50.52   $   (9.91)   $   60.43   $   (11,951)
241   $50.52   $   (9.96)   $   60.48   $   (12,012)
Notes on Preparation


Refer back to your Profit & Loss Projection. Line-by-line ask yourself when you should expect cash to come and go. You
have already done a sales projection, now you must predict when you will actually collect from customers. On the expense
side, you have previously projected expenses; now predict when you will actually have to write the check to pay those bills.
Most items will be the same as on the Profit & Loss Projection. Rent and utility bills, for instance, are usually paid in the
month they are incurred. Other items will differ from the Profit & Loss view. Insurance and some types of taxes, for
example, may actually be payable quarterly or semiannually, even though you recognize them as monthly expenses. Just
try to make the Cash Flow as realistic as you can line by line. The payoff for you will be an ability to manage and forecast
working capital needs. Change the category labels in the left column as needed to fit your accounting system.

Note that lines for 'Loan principal payment' through 'Owners' Withdrawal' are for items that always are different on the Cash
Flow than on the Profit & Loss. Loan Principal Payment, Capital Purchases, and Owner's Draw simply do not, by the rules
of accounting, show up on the Profit & Loss Projection. They do, however, definitely take cash out of the business, and so
need to be included in your Cash plan. On the other hand, you will not find Depreciation on the Cash Flow because you
never write a check for Depreciation. Cash from Loans Received and Owners' Injections go in the "Loan/ other cash inj."
row. The "Pre-Startup" column is for cash outlays prior to the time covered by the Cash Flow. It is intended primarily for
new business startups or major expansion projects where a great deal of cash must go out before operations commence.
The bottom section, "ESSENTIAL OPERATING DATA", is not actually part of the Cash model, but it allows you to track
items which have a heavy impact on cash. The Cash Flow Projection is the best way to forecast working capital needs.
Begin with the amount of Cash on Hand you expect to have. Project all the Receipts and Paid Outs for the year. If CASH

				
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