Cash flow forecast + Supplementary Personal Survival budget Excel template
Originally published: 13/02/2017 14:23
Last version published: 01/03/2018 15:18
Publication number: ELQ-17694-3
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Cash flow forecast + Supplementary Personal Survival budget Excel template

Calculates the expected amount of money going in and paying out for your business over a period of time.

What is a cashflow forecast?

A CF forecast estimates the expected amount of money your business will bring in and pay out over a period of time. The forecast should reflect all of your potential revenue sources (such as sales or other payments from customers) and compare these to other potential business expenses (such as supplier payments, premises rental and tax payments).

If you’re applying for a startup loan, our company requires a 12 month forecast, given that though these figures will surely change over that trading period, this is a good period of time for yourself, and us, to see how sustainable your plans are.

It is not necessary to use our template, if you have already created one of your own. But if you are starting from scratch, we recommend that you use our template because it serves to remove confusing calculations, especially for individuals who have no previous experience with these before.

Another benefit of using this template is that it includes all the necessary information that our loan assessment team needs to make a fair and informed lending decision.

Why is the cash flow forecast important?
Even if you choose not to proceed with a start up loan application immediately, it is necessary to have a cashflow forecast to keep yourself on top of your finances. Even if the actual performance of the business may deviate from the expect cash flow, it is still an important document to have as you manage your business. There are various benefits that come from designing and regularly updating a cashflow forecast.

To understand how to fill up the downloadable cash flow forecast, the online methodology below identifies what each section means along with info on the inputs needed. Also we have provided tips from professional business advisors on how to strengthen your model.

Additionally, you will find find a personal survival budget template along with a guidance worksheet to help you with your Cash flow forecast.

- Start up Loans Team

This Best Practice includes
1 Excel sheet, 1 methodology

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Further information

The benefits from using this template are:
• It is great for planning around your business activities and resources.
• It reassures that your business activities are aligned with one another.
• It assists you in making sensible, realistic decisions for your company.
• Allows you to have better control over your business finances.
• Enables you to better comprehend your business performance.
• Supports you with planning for the future.

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