| Six-month cash flow template (small business no debtors) | ||||||
| If you receive cash or card for sales at the point of sale, this could help with | ||||||
| estimating cash surplus / deficit for the next 3-6 months’ time. | ||||||
| Cash estimates | ||||||
| March | April | May | June | July | August | |
| £ | £ | £ | £ | £ | £ | |
| A Cash from sales | 2500 | 1650 | 900 | 2500 | 5000 | 800 |
| B Cash out to suppliers | 350 | 750 | 800 | 150 | 1250 | 750 |
| C Employee / owner costs | 450 | 450 | 450 | 450 | 450 | 450 |
| D Distribution and Marketing costs | 125 | 125 | 125 | 125 | 125 | 125 |
| E Heat light and similar Costs | 75 | 75 | 75 | 75 | 75 | 75 |
| F Rent and rates | 750 | 750 | 750 | 750 | 750 | 750 |
| G Other | 50 | 50 | 50 | 25 | 25 | 25 |
| H TOTAL COSTS (Add B to G) | 1800 | 2200 | 2250 | 1575 | 2675 | 2175 |
| Net Cash surplus or deficit (sales less costs) A less H | 700 | -550 | -1350 | 925 | 2325 | -1375 |
| PUT THIS FIGURE IN SURPLUS / DEFECIT BELOW | ||||||
| Bank Balance brought forward | 0 | 700 | 150 | -1200 | -275 | 2050 |
| Surplus (deficit) | 700 | -550 | -1350 | 925 | 2325 | -1375 |
| Balance C/CF | 700 | 150 | -1200 | -275 | 2050 | 675 |
| Put your opening bank balance at end of February add the Trading surplus | ||||||
| or the deficit to work out your balance at the end of March. Carry the balance forward into April. | ||||||
| This is an estimate and you may want to roll the figures out for 3 months ahead. | ||||||
| If you are going to struggle with cash to keep your business going then talk to us immediately. | ||||||
