Cash Flow Spreadsheets
Underlying your narrative plan documents are the financials. The financial picture is your ultimate reality check. Can your business dream generate income and achieve your financial goals? Several cash analysis spreadsheets are included for your use from blank forms for your input to examples of completed financial plan documents.
Microsoft Excel is required to view the documents on this page.
This spreadsheet was developed using SBA form OMB No. 3245-0019 as a model. Changes were made to subtotal variable expenses and segregate them from fixed expenses, add a % of Sales column, and automatically compute total fixed costs, contribution margin, and break-even sales. Also, the file contains a worksheet for Year 2 and worksheets for variance analysis. Var, Y1, Q1 relates to Year One's cash flow projection, the first three months with subsequent quarters, month by month, found under the appropriate tab.
The formulas in the worksheet are not protected. Be careful not to enter data in cells that have a formula.
Using the template:
1) Save the spreadsheet as a new file. From the file menu select:
File>Save As>Type in a new name for the file
2) Project your sales month by month:
Fill in Line 57, Sales Volume under Month 1 through Month 12 (Columns C through N, inclusive).
3) Decide if you will be receiving cash for the sales listed at the bottom on line 57, or if you will be selling on account.
Copy Line 57 to Line 8 Cash Sales or Line 9, Collections from Credit Accounts (as appropriate).
4) Enter variable expenses.
Fill in lines for appropriate variable expense using a formula to establish the expense as a percentage of sales. For example, to record Materials as 60 percent of sales, type + .6*C57. Then copy the formula across.
5) Fill in the fixed expenses as indicated.
Whereas, variable expenses were entered as a formula and as a percentage of sales, use absolute dollar amounts for the fixed expenses. For example, if rent is $1500 per month, enter the numerals 1500 in the appropriate cells.
Use this blank spreadsheet to help calculate income and expenses.