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.
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