Small Business Cash Flow Projection

<Company Name>
Starting date Jan-00
Cash balance alert minimum 15,000 15,000 15,000 15,000 15,000 15,000 15,000 15,000 15,000 15,000 15,000 15,000 15,000

Beginning Jan-00 Feb-00 Mar-00 Apr-00 May-00 Jun-00 Jul-00 Aug-00 Sep-00 Oct-00 Nov-00 Dec-00 Total

Cash on hand (beginning of month) 0 1,425 2,194 3,163 4,132 5,101 6,070 7,039 8,008 8,977 9,946 10,915

CASH RECEIPTS
Cash sales 100 200 200 200 200 200 200 200 200 200 200 200 2,300
Returns and allowances 200 200 50 50 50 50 50 50 50 50 50 50 900
Collections on accounts receivable 300 200 20 20 20 20 20 20 20 20 20 20 700
Interest, other income 400 500 652 652 652 652 652 652 652 652 652 652 7,420
Loan proceeds 500 300 55 55 55 55 55 55 55 55 55 55 1,350
Owner contributions 700 200 523 523 523 523 523 523 523 523 523 523 6,130
TOTAL CASH RECEIPTS 1,800 1,200 1,400 1,400 1,400 1,400 1,400 1,400 1,400 1,400 1,400 1,400 18,800
Total cash available 0 1,800 2,625 3,594 4,563 5,532 6,501 7,470 8,439 9,408 10,377 11,346 12,315

CASH PAID OUT

Advertising 2 2 2 2 2 2 2 2 2 2 2 2 24
Commissions and fees 4 4 4 4 4 4 4 4 4 4 4 4 48
Contract labor 6 6 6 6 6 6 6 6 6 6 6 6 72
Employee benefit programs 8 8 8 8 8 8 8 8 8 8 8 8 96
Insurance (other than health) 1 1 1 1 1 1 1 1 1 1 1 1 12
Interest expense 11 11 11 11 11 11 11 11 11 11 11 11 132
Materials and supplies (in COGS) 12 12 12 12 12 12 12 12 12 12 12 12 144
Meals and entertainment 13 13 13 13 13 13 13 13 13 13 13 13 156
Mortgage interest 14 14 14 14 14 14 14 14 14 14 14 14 168
Office expense 15 15 15 15 15 15 15 15 15 15 15 15 180
Other interest expense 16 16 16 16 16 16 16 16 16 16 16 16 192
Pension and profit-sharing plan 17 17 17 17 17 17 17 17 17 17 17 17 204
Purchases for resale 18 18 18 18 18 18 18 18 18 18 18 18 216
Rent or lease 19 19 19 19 19 19 19 19 19 19 19 19 228
Rent or lease: vehicles, equipment 20 20 20 20 20 20 20 20 20 20 20 20 240
Repairs and maintenance 21 21 21 21 21 21 21 21 21 21 21 21 252
Supplies (not in COGS) 22 22 22 22 22 22 22 22 22 22 22 22 264
Taxes and licenses 23 23 23 23 23 23 23 23 23 23 23 23 276
Travel 24 24 24 24 24 24 24 24 24 24 24 24 288
Utilities 25 25 25 25 25 25 25 25 25 25 25 25 300
Wages (less emp. credits) 26 26 26 26 26 26 26 26 26 26 26 26 312
Other expenses 27 27 27 27 27 27 27 27 27 27 27 27 324
Other expenses 28 28 28 28 28 28 28 28 28 28 28 28 336
Other expenses 29 29 29 29 29 29 29 29 29 29 29 29 348
Miscellaneous 30 30 30 30 30 30 30 30 30 30 30 30 360
SUBTOTAL 431 431 431 431 431 431 431 431 431 431 431 431 5,172
Loan principal payment 0
Capital purchases 0
Other startup costs 0
To reserve and/or escrow 56 56
Owners' withdrawal 0
TOTAL CASH PAID OUT 375 431 431 431 431 431 431 431 431 431 431 431 5,228
Cash on hand (end of month) 0 1,425 2,194 3,163 4,132 5,101 6,070 7,039 8,008 8,977 9,946 10,915 11,884

OTHER OPERATING DATA

Sales volume (dollars)
Accounts receivable balance
Bad debt balance
Inventory on hand
Accounts payable balance
Depreciation
 Cash Flow Projection
<Company Name>

16,000

14,000

12,000

10,000
Cash on Hand

8,000

6,000

4,000

2,000

0
ng 4 33 61 92 2 3 3 4 5 5 6
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Period

Cash balance alert minimum $ 15,000

rojection
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Cash Flow Projection

Cash on Hand Minimum Alert

4 5 5 6 6
21 24 27 30 33