Cashflow Template 54-601 West Cordova st.

604-775-5525
Waterfront Station Toll Free in BC 1-800-667-2272
Vancouver, BC V6B 1G1 email: [email protected]
Helpful Tips
1) To make a correction in a cell, use CTRL Z to undo your last action. This prevents the cell from losing a built-in formula.
2) Some cells are Protected to keep a built-in formula intact. You will be able to modify cells that require your data input.
3) On the occasion you would like to modify the width, format, or formula of a cell, click Unprotect Sheet under the Review heading in Excel. (No passoword required).
4) Click Protect Sheet once cell or formula edits are made to maintain the integrity of the worksheet.

Instructions for StartUp Costs

1) Begin by listing your startup costs in the Cost of Item column
2) Then decide if you are covering these costs, or if funding will come from another source
3) List the total dollars contributed in columns owner contributed or loan or other (or a mixed combination) to cover the total amount in Cost of Item
4) Some examples of startup expenses are listed, but do add your own. Consider your startup costs the necessary expenditures you'll make before you're able to earn any sales
5) If you have or require additional cash on hand, add to Working Capital and attribute accordingly

Instructions for Sales Forecast

1) Estimate the sales of each of your products or services according to month. Consider starting modestly and growing at a reasonable rate.
2) Complete rows Price and #Sold which will automatically calculate your totals for each product or service
3) Include any notes to define your products or services or to justify your significant increases in sales. Consider seasonality and time off that may affect your monthly revenue forecasts.
4) Complete tab Sales- Conservative and Sales- Optimistic if your finanical institution requires to do so.

Instructions for Cashflow Yr1 +Yr2

1) Sales forecasts will be pre-populated from your estimates on the Sales Forecast
2) Owner's Contribution and Loan Amount will be pre-populated from your estimates on Startup Costs
3) Fill in Margin if you know your costs of good sold/unit (if not known or you have no COGS, you may leave blank)
4) Add your expense items with the examples provided. If not relevant, change the name of the expenditure to reflect your business needs
5) Calculate loan re-payments based on your financing needs (use an online loan calculator or speak to your bank) and add to Loan Repayment
6) Add Notes to cashflow to help explain your expenses in greater detail.
7) Complete tabs Cashflow-Conservative and Cashflow Optimistic if your finanical institution requires to do so.

Instructions for Advertising and Promotion

1) It will be helpful to map your promotional spending in alignment with your cashflow. Use the sample content schedule to plan your spending.
2) The totals from this worksheet will populate Advertising and Promotions in Cashflow Yr1 + Yr2
Start-Up Costs
Owner
Item Cost of Item Contributed Loan Request Other Source Totals - Check
Lease - Leasehold Improvements
First and last month's rent $ -
Building supplies or renovations $ -
Labour $ -
Legal fees to review lease $ -
$ -
$ -
$ -
$ -
General Start-Up Costs
Insurance $ -
Business license $ -
Office supplies $ -
Office furniture (desk, filing cabinet) $ -
Computer, printer, fax machine $ -
Accounting system $ -
Accounting consultation to set up books $ -
Legal fees to review contracts $ -
$ -
$ -
$ -
$ -
$ -
$ -
$ -
$ -
$ -
Inventory or Supplies
$ -
$ -
$ -
$ -
$ -
$ -
Start-Up Costs Subtotal $ - $ - $ - $ - $ -
Additional Cash/ Working Capital Needs
Future Expenses/ Contingency Funding $ -
Accounts receivable (30/60 days) $ -
Ownership contributions $ -
$ -
$ -
Working Capital Subtotal $ - $ - $ - $ - $ -

Total Startup Funding $ - $ - $ - $ - $ -

Percentage Contribution #DIV/0! #DIV/0! #DIV/0! #DIV/0!

Owner contributions may require bank statements, prior invoices, approval letters or other sources as required by your financing institution

Business Plan Cashflow Template Powered by Small Business BC

Sales Forecast for: Your Business Name Here
Realistic Sales Forcast Year 1
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 Yr1
Product/Service 1
# Sold
Price
Total $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ -

Product/Service 2
# Sold
Price
Total $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ -

Product/Service 3
# Sold
Price
Total $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ -

Product/Service 4
# Sold
Price
Total $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ -

Product/Service 5
# Sold
Price
Total $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ -

Total Year 1 $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ -

Notes to Realistic Sales Forecast Yr1

Year 2
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 Yr2
Product/Service 1
# Sold
Price
Total $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ -

Product/Service 2
# Sold
Price
Total $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ -

Product/Service 3
# Sold
Price
Total $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ -

Product/Service 4
# Sold
Price
Total $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ -

Product/Service 5
# Sold
Price
Total $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ -

Total Year 2 $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ -

Notes to Realistic Sales Forecast Yr2

Sales Forecast for: Your Business Name Here
Conservative Sales Year 1
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 Yr1
Product/Service 1
# Sold
Price
Total $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ -

Product/Service 2
# Sold
Price
Total $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ -

Product/Service 3
# Sold
Price
Total $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ -

Product/Service 4
# Sold
Price
Total $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ -

Product/Service 5
# Sold
Price
Total $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ -

Total Yr1 $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ -

Notes to Conservative Sales Yr1

Conservative Sales Year 2
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 Yr2
Product/Service 1
# Sold
Price
Total $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ -

Product/Service 2
# Sold
Price
Total $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ -

Product/Service 3
# Sold
Price
Total $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ -

Product/Service 4
# Sold
Price
Total $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ -

Product/Service 5
# Sold
Price
Total $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ -

Total Yr2 $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ -

Notes to Conservative Sales Yr2

Sales Forecast for: Your Business Name Here
Optimistic Sales Year 1
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 Yr1
Product/Service 1
# Sold
Price
Total $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ -

Product/Service 2
# Sold
Price
Total $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ -

Product/Service 3
# Sold
Price
Total $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ -

Product/Service 4
# Sold
Price
Total $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ -

Product/Service 5
# Sold
Price
Total $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ -

Total Yr1 $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ -

Notes to Optimistic Sales Yr1

Optimistic Sales Year 2
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 Yr2
Product/Service 1
# Sold
Price
Total $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ -

Product/Service 2
# Sold
Price
Total $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ -

Product/Service 3
# Sold
Price
Total $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ -

Product/Service 4
# Sold
Price
Total $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ -

Product/Service 5
# Sold
Price
Total $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ -

Total Yr2 $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ -

Notes to Optimistic Sales Yr2

Cash Flow Forecast - Year 1
Month Start up 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
Cash Inflow
Gross Revenue $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ -
Total Sales $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ -
Sensitivity Analysis - % of Sales #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Owner's Investment $ - $ -
Loan $ - $ -
Other Cash In $ - $ -
Total Other Cash Inflow $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ -
Total Cash Inflow $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ -
Cash Outflow
Direct Input Costs
Percentage Cost of Goods Sold (COGS) % $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ -
Total Direct Costs $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ -
General Expenses
Owner's draw $ -
Employee's salaries $ -
Legal or professional fees $ -
Accounting $ -
Promotions and advertising - - - - - - - - - - - - $ -
Adwords or social media budget $ -
Supplies $ -
Utilities $ -
Insurance (incl. liability and Worksafe) $ -
Bank account fees $ -
Rent $ -
Property tax $ -
Security system $ -
Point of sale rental $ -
Training $ -
Telephone and Internet $ -
Extended employee benefits $ -
Expenses $ -
Expenses $ -
Expenses $ -
Expenses $ -
Expenses $ -
Expenses $ -
Expenses $ -
Expenses $ -
Total Expenses $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ -
Other disbursements $ -
Start-up Costs $ - $ -
Loan Repayment $ -
Credit Card Repayment or Interest $ -
Estimated Income Tax Remittance $ -
Other Loan - or Repayments made $ -
Total Disbursements $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ -
Total Cash Outflow $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ -

Net Cashflow (Cash In - Cash Out) $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ -

Cash from Previous Period $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ -

Cumulative Cashflow (must be +) $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ -

Notes to Cashflow Cumulative Cashflow must be positive (this represents your bank account)
Complete Start-Up Cost Sheet before completing the cashflow

Year 1 and 2 are required, so too may be a conservative and optimistic sales forecast

Change the months of the year to start your projection when the loan is received
(alternatively, you may use "month 1, month 2 etc.)
Cash Flow Forecast - Year 2
Month 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
Cash Inflow
Gross Revenue $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ -
Total Sales $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ -
Sensitivity Analysis - % of Sales #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Owner's Re-Investment $ -
Loan $ -
Other Cash In $ -
Total Other Cash Inflow $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ -
Total Cash Inflow $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ -
Cash Outflow
Direct Input Costs
Percentage Cost of Goods Sold (COGS) % $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ -
Total Direct Costs $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ -
General Expenses
Owner's draw $ -
Employee's salaries $ -
Legal or professional fees $ -
Accounting $ -
Promotions and advertising $ -
Adwords or social media budget $ -
Supplies $ -
Utilities $ -
Insurance (incl. liability and Worksafe) $ -
Bank account fees $ -
Rent $ -
Property tax $ -
Security system $ -
Point of sale rental $ -
Training $ -
Telephone and Internet $ -
Extended employee benefits $ -
Expenses $ -
Expenses $ -
Expenses $ -
Expenses $ -
Expenses $ -
Expenses $ -
Expenses $ -
Expenses $ -
Total Expenses $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ -
Other disbursements $ -
$ -
Loan Repayment $ -
Credit Card Repayment or Interest $ -
Estimated Income Tax Remittance $ -
Other Loan - or Repayments made $ -
Total Disbursements $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ -
Total Cash Outflow $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ -

Net Cashflow (Cash In - Cash Out) $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ -

Cash from Previous Period $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ -

Cumulative Cashflow (must be +) $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ -

Notes to Cashflow Yr2

Conservative Cash Flow Forecast - Year 1
Month Start up 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
Cash Inflow
Gross Revenue $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ -
Total Sales $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ -
Sensitivity Analysis - % of Sales #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Owner's Investment $ - $ -
Loan $ - $ -
Other Cash In $ - $ -
Total Other Cash Inflow $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ -
Total Cash Inflow $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ -
Cash Outflow
Direct Input Costs
Percentage Cost of Goods Sold (COGS) % $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ -
Total Direct Costs $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ -
General Expenses
Owner's draw - - - - - - - - - - - - - - $ -
Employee's salaries - - - - - - - - - - - - - - $ -
Legal or professional fees - - - - - - - - - - - - - - $ -
Accounting - - - - - - - - - - - - - - $ -
Promotions and advertising - - - - - - - - - - - - - - $ -
Adwords or social media budget - - - - - - - - - - - - - - $ -
Supplies - - - - - - - - - - - - - - $ -
Utilities - - - - - - - - - - - - - - $ -
Insurance (incl. liability and Worksafe) - - - - - - - - - - - - - - $ -
Bank account fees - - - - - - - - - - - - - - $ -
Rent - - - - - - - - - - - - - - $ -
Property tax - - - - - - - - - - - - - - $ -
Security system - - - - - - - - - - - - - - $ -
Point of sale rental - - - - - - - - - - - - - - $ -
Training - - - - - - - - - - - - - - $ -
Telephone and Internet - - - - - - - - - - - - - - $ -
Extended employee benefits - - - - - - - - - - - - - - $ -
Expenses - - - - - - - - - - - - - - $ -
Expenses - - - - - - - - - - - - - - $ -
Expenses - - - - - - - - - - - - - - $ -
Expenses - - - - - - - - - - - - - - $ -
Expenses - - - - - - - - - - - - - - $ -
Expenses - - - - - - - - - - - - - - $ -
Expenses - - - - - - - - - - - - - - $ -
Expenses - - - - - - - - - - - - - - $ -
Total Expenses $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ -
Other disbursements $ -
Start-up Costs $ - $ -
Loan Repayment $ -
Credit Card Repayment or Interest $ -
Estimated Income Tax Remittance $ -
Other Loan - or Repayments made $ -
Total Disbursements $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ -
Total Cash Outflow $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ -

Net Cashflow (Cash In - Cash Out) $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ -

Cash from Previous Period $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ -

Cumulative Cashflow (must be +) $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ -

Notes to Conservative Cashflow Cumulative Cashflow must remain positive (this represents your bank account)
Complete Start-Up Cost Sheet before completing the cashflow

Year 1 and 2 are required, so too may be a conservative and optimistic sales forecast

Change the months of the year to start your projection when the loan is received
(alternatively, you may use "month 1, month 2 etc.)
Conservative Cash Flow Forecast - Year 2
Month Month 13 Month 14 Month 15 Month 16 Month 17 Month 18 Month 19 Month 20 Month 21 Month 22 Moth 23 Month 24 Total
Cash Inflow
Gross Revenue $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ -
Total Sales $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ -
Sensitivity Analysis - % of Sales #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Owner's Re-Investment $ -
Loan $ -
Other Cash In $ -
Total Other Cash Inflow $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ -
Total Cash Inflow $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ -
Cash Outflow
Direct Input Costs
Percentage Cost of Goods Sold (COGS) % $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ -
Total Direct Costs $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ -
General Expenses
Owner's draw - - - - - - - - - - - - - - $ -
Employee's salaries - - - - - - - - - - - - - - $ -
Legal or professional fees - - - - - - - - - - - - - - $ -
Accounting - - - - - - - - - - - - - - $ -
Promotions and advertising - - - - - - - - - - - - - - $ -
Adwords or social media budget - - - - - - - - - - - - - - $ -
Supplies - - - - - - - - - - - - - - $ -
Utilities - - - - - - - - - - - - - - $ -
Insurance (incl. liability and Worksafe) - - - - - - - - - - - - - - $ -
Bank account fees - - - - - - - - - - - - - - $ -
Rent - - - - - - - - - - - - - - $ -
Property tax - - - - - - - - - - - - - - $ -
Security system - - - - - - - - - - - - - - $ -
Point of sale rental - - - - - - - - - - - - - - $ -
Training - - - - - - - - - - - - - - $ -
Telephone and Internet - - - - - - - - - - - - - - $ -
Extended employee benefits - - - - - - - - - - - - - - $ -
Expenses - - - - - - - - - - - - - - $ -
Expenses - - - - - - - - - - - - - - $ -
Expenses - - - - - - - - - - - - - - $ -
Expenses - - - - - - - - - - - - - - $ -
Expenses - - - - - - - - - - - - - - $ -
Expenses - - - - - - - - - - - - - - $ -
Expenses - - - - - - - - - - - - - - $ -
Expenses - - - - - - - - - - - - - - $ -
Total Expenses $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ -
Other disbursements $ -
$ -
Loan Repayment $ -
Credit Card Repayment Interest $ -
Estimated Income Tax Remittance $ -
Other Loan - or Repayments made $ -
Total Disbursements $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ -
Total Cash Outflow $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ -

Net Cashflow (Cash In - Cash Out) $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ -

Cash from Previous Period $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ -

Cumulative Cashflow (must be +) $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ -

Notes to Conversative Cashflow Yr2

Optimistic Cash Flow Forecast - Year 1
Month Start up 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
Cash Inflow
Gross Revenue $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ -
Total Sales $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ -
Sensitivity Analysis - % of Sales #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Owner's Investment $ - $ -
Loan $ - $ -
Other Cash In $ - $ -
Total Other Cash Inflow $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ -
Total Cash Inflow $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ -
Cash Outflow
Direct Input Costs
Percentage Cost of Goods Sold (COGS) % $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ -
Total Direct Costs $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ -
General Expenses
Owner's draw - - - - - - - - - - - - - - $ -
Employee's salaries - - - - - - - - - - - - - - $ -
Legal or professional fees - - - - - - - - - - - - - - $ -
Accounting - - - - - - - - - - - - - - $ -
Promotions and advertising - - - - - - - - - - - - - - $ -
Adwords or social media budget - - - - - - - - - - - - - - $ -
Supplies - - - - - - - - - - - - - - $ -
Utilities - - - - - - - - - - - - - - $ -
Insurance (incl. liability and Worksafe) - - - - - - - - - - - - - - $ -
Bank account fees - - - - - - - - - - - - - - $ -
Rent - - - - - - - - - - - - - - $ -
Property tax - - - - - - - - - - - - - - $ -
Security system - - - - - - - - - - - - - - $ -
Point of sale rental - - - - - - - - - - - - - - $ -
Training - - - - - - - - - - - - - - $ -
Telephone and Internet - - - - - - - - - - - - - - $ -
Extended employee benefits - - - - - - - - - - - - - - $ -
Expenses - - - - - - - - - - - - - - $ -
Expenses - - - - - - - - - - - - - - $ -
Expenses - - - - - - - - - - - - - - $ -
Expenses - - - - - - - - - - - - - - $ -
Expenses - - - - - - - - - - - - - - $ -
Expenses - - - - - - - - - - - - - - $ -
Expenses - - - - - - - - - - - - - - $ -
Expenses - - - - - - - - - - - - - - $ -
Total Expenses $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ -
Other disbursements $ -
Start-up Costs $ - $ -
Loan Repayment $ -
Credit Card Repayment or Interest $ -
Estimated Income Tax Remittance $ -
Other Loan - or Repayment $ -
Total Disbursements $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ -
Total Cash Outflow $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ -

Net Cashflow (Cash In - Cash Out) $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ -

Cash from Previous Period $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ -

Cumulative Cashflow (must be +) $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ -

Notes to Optimistic Cashflow Cumulative Cashflow must positive (this represents your bank account)
Complete Start-Up Cost Sheet before completing this cashflow

Year 1 and 2 are required, so too may be a conservative and optimistic sales forecast

Change the months of the year to start your projection when the loan is received
(alternatively, you may use "month 1, month 2 etc.)
Optimistic Cash Flow Forecast - Year 2
Month 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
Cash Inflow
Gross Revenue $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ -
Total Sales $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ -
Sensitivity Analysis - % of Sales #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Owner's Re-Investment $ -
Loan $ -
Other Cash In $ -
Total Other Cash Inflow $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ -
Total Cash Inflow $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ -
Cash Outflow
Direct Input Costs
Percentage Cost of Goods Sold (COGS) % $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ -
Total Direct Costs $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ -
General Expenses
Owner's draw - - - - - - - - - - - - - - $ -
Employee's salaries - - - - - - - - - - - - - - $ -
Legal or professional fees - - - - - - - - - - - - - - $ -
Accounting - - - - - - - - - - - - - - $ -
Promotions and advertising - - - - - - - - - - - - - - $ -
Adwords or social media budget - - - - - - - - - - - - - - $ -
Supplies - - - - - - - - - - - - - - $ -
Utilities - - - - - - - - - - - - - - $ -
Insurance (incl. liability and Worksafe) - - - - - - - - - - - - - - $ -
Bank account fees - - - - - - - - - - - - - - $ -
Rent - - - - - - - - - - - - - - $ -
Property tax - - - - - - - - - - - - - - $ -
Security system - - - - - - - - - - - - - - $ -
Point of sale rental - - - - - - - - - - - - - - $ -
Training - - - - - - - - - - - - - - $ -
Telephone and Internet - - - - - - - - - - - - - - $ -
Extended employee benefits - - - - - - - - - - - - - - $ -
Expenses - - - - - - - - - - - - - - $ -
Expenses - - - - - - - - - - - - - - $ -
Expenses - - - - - - - - - - - - - - $ -
Expenses - - - - - - - - - - - - - - $ -
Expenses - - - - - - - - - - - - - - $ -
Expenses - - - - - - - - - - - - - - $ -
Expenses - - - - - - - - - - - - - - $ -
Expenses - - - - - - - - - - - - - - $ -
Total Expenses $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ -
Other disbursements $ -
$ -
Loan Repayment $ -
Credit Card Repayment or Interest $ -
Estimated Income Tax Remittance $ -
Other Loan - or Repayment $ -
Total Disbursements $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ -
Total Cash Outflow $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ -

Net Cashflow (Cash In - Cash Out) $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ -

Cash from Previous Period $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ -

Cummulative Cashflow (must be +) $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ -

Notes to Optimistic Cashflow Yr2

Budget for Promotions and Advertising
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
Informal networking (e.g., coffee with prospect) $ -
Formal networking (memberships/event tickets) $ -
Advertising in association publications $ -
Magazine advertising $ -
Newspapers (including community newspapers) $ -
Billboard advertising $ -
Signs/ Sandwich boards $ -
Digital advertising/ Web placement $ -
Television advertising $ -
Radio $ -
Other Signage $ -
Brochures/flyers—design and printing $ -
Business cards—design and printing $ -
Coupons/Groupon/LivingSocial $ -
Direct mail—postage $ -
Contests $ -
Sponsor an event $ -
Trade show fees/setup $ -
Trade show travel expenses $ -
Website—design $ -
Website—SEO $ -
Website—hosting $ -
Website—domain registration $ -
Other $ -
Other $ -
Other $ -
Other $ -

Total Promo and Advertising Spend $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ -