Cashflow Template 
                 Helpful Tips
      1) To make a correction in a cell, use CTRL Z to undo your last action. This prevents the cell from losing a built-in formula. 
      2) Some cells are Protected to keep a built-in formula intact. You will be able to modify cells that require your data input. 
      3) On the occasion you would like to modify the width, format, or formula of a cell, click Unprotect Sheet under the Review heading in Excel. (No password required). 
      4) Click Protect Sheet once cell or formula edits are made to maintain the integrity of the worksheet. 
                 Instructions for StartUp Costs
      1) Begin by listing your startup costs in the Cost of Item column.
      2) Then decide if you are covering these costs, or if funding will come from another source.
      3) List the total dollars contributed in columns owner contributed or loan or other (or a mixed combination) to cover the total amount in Cost of Item.
      4) Some examples of startup expenses are listed, but do add your own. Consider your startup costs the necessary expenditures you'll make before you're able to earn any sales.
      5) If you have or require additional cash on hand, add to Working Capital and attribute accordingly.
                 Instructions for Sales Forecast
      1) Estimate the sales of each of your products or services according to month. Consider starting modestly and growing at a reasonable rate. 
      2) Complete rows Price and #Sold which will automatically calculate your totals for each product or service.
      3) Include any notes to define your products or services or to justify your significant increases in sales. Consider seasonality and time off that may affect your monthly revenue forecasts. 
      4) Complete tab Sales- Conservative and Sales- Optimistic if your finanical institution requires to do so.
                 Instructions for Cashflow Yr1 +Yr2
      1) Sales forecasts will be pre-populated from your estimates on the Sales Forecast.
      2) Owner's Contribution and Loan Amount will be pre-populated from your estimates on Startup Costs
      3) Fill in Margin if you know your costs of good sold/unit (if not known or you have no COGS, you may leave blank).
      4) Add your expense items with the examples provided. If not relevant, change the name of the expenditure to reflect your business needs.
      5) Calculate loan re-payments based on your financing needs (use an online loan calculator or speak to your bank) and add to Loan Repayment.
      6) Add Notes to cashflow to help explain your expenses in greater detail. 
      7) Complete tabs Cashflow-Conservative and Cashflow Optimistic if your finanical institution requires to do so.
                 Instructions for Advertising and Promotion
      1) It will be helpful to map your promotional spending in alignment with your cashflow. Use the sample content schedule to plan your spending.                                   Powered by 
      2) The totals from this worksheet will populate Advertising and Promotions in Cashflow Yr1 + Yr2.
        Start-Up Costs
                                                                                                                                     Owner 
                                             Item                                                Cost of Item                    Contributed              Loan Request                Other Source                    Totals - Check
        Lease - Leasehold Improvements
        First and last month's rent                                                                                                                                                                               $                             -   
        Building supplies or renovations                                                                                                                                                                          $                             -   
        Labour                                                                                                                                                                                                    $                             -   
        Legal fees to review lease                                                                                                                                                                                $                             -   
                                                                                                                                                                                                                  $                             -   
                                                                                                                                                                                                                  $                             -   
                                                                                                                                                                                                                  $                             -   
                                                                                                                                                                                                                  $                             -   
        General Start-Up Costs
        Insurance                                                                                                                                                                                                 $                             -   
        Business license                                                                                                                                                                                          $                             -   
        Office supplies                                                                                                                                                                                           $                             -   
        Office furniture (desk, filing cabinet)                                                                                                                                                                   $                             -   
        Computer, printer, fax machine                                                                                                                                                                            $                             -   
        Accounting system                                                                                                                                                                                         $                             -   
        Accounting consultation to set up books                                                                                                                                                                   $                             -   
        Legal fees to review contracts                                                                                                                                                                            $                             -   
                                                                                                                                                                                                                  $                             -   
                                                                                                                                                                                                                  $                             -   
                                                                                                                                                                                                                  $                             -   
                                                                                                                                                                                                                  $                             -   
                                                                                                                                                                                                                  $                             -   
                                                                                                                                                                                                                  $                             -   
                                                                                                                                                                                                                  $                             -   
                                                                                                                                                                                                                  $                             -   
                                                                                                                                                                                                                  $                             -   
        Inventory or Supplies
                                                                                                                                                                                                                  $                             -   
                                                                                                                                                                                                                  $                             -   
                                                                                                                                                                                                                  $                             -   
                                                                                                                                                                                                                  $                             -   
                                                                                                                                                                                                                  $                             -   
                                                                                                                                                                                                                  $                             -   
                                                    Start-Up Costs Subtotal $                                   -     $                     -     $                        -     $                     -          $                             -   
        Additional Cash/ Working Capital Needs
        Future Expenses/ Contingency Funding                                                                                                                                                                      $                             -   
        Accounts receivable (30/60 days)                                                                                                                                                                          $                             -   
        Ownership contributions                                                                                                                                                                                   $                             -   
                                                                                                                                                                                                                  $                             -   
                                                                                                                                                                                                                  $                             -   
                                                  Working Capital Subtotal $                                   -     $                     -     $                        -     $                     -           $                             -   
                                                       Total Startup Funding  $                                   -     $                     -     $                        -     $                     -        $                             -   
        Percentage Contribution                                                                                   #DIV/0!                   #DIV/0!                     #DIV/0!                   #DIV/0!
        Owner contributions may require bank statements, prior invoices, approval letters or other sources as required by your financing institution
        Business Plan Cashflow Template                                                                                                                                                                                                                                                             Powered by Small Business BC
     Sales Forecast for:        Your Business Name Here
     Realistic Sales Forcast Year 1
                       Month 1    Month 2    Month 3    Month 4    Month 5     Month 6    Month 7    Month 8    Month 9   Month 10   Month 11    Month 12  Total Yr1 
     Product/Service 1
     # Sold
     Price
     Total            $               -     $               -     $               -     $               -     $               -     $               -     $               -     $               -     $               -     $               -     $               -     $               -     $                 - 
     Product/Service 2
     # Sold
     Price
     Total            $               -     $               -     $               -     $               -     $               -     $               -     $               -     $               -     $               -     $               -     $               -     $               -     $                 - 
     Product/Service 3
     # Sold
     Price
     Total            $               -     $               -     $               -     $               -     $               -     $               -     $               -     $               -     $               -     $               -     $               -     $               -     $                 - 
     Product/Service 4
     # Sold
     Price
     Total            $               -     $               -     $               -     $               -     $               -     $               -     $               -     $               -     $               -     $               -     $               -     $               -     $                 - 
     Product/Service 5
     # Sold
     Price
     Total            $               -     $               -     $               -     $               -     $               -     $               -     $               -     $               -     $               -     $               -     $               -     $               -     $                 - 
      Total Year 1    $               -     $               -     $               -     $               -     $               -     $               -     $               -     $               -     $               -     $               -     $               -     $               -     $                 - 
     Notes to Realistic Sales Forecast Yr1
     Year 2 
                          Month 13    Month 14    Month 15    Month 16    Month 17   Month 18    Month 19    Month 20    Month 21    Month 22   Month 23    Month 24   Total Yr2 
     Product/Service 1
     # Sold
     Price
     Total                $               -     $               -     $               -     $               -     $               -     $               -     $               -     $               -     $               -     $               -     $               -     $               -     $               -   
     Product/Service 2
     # Sold
     Price
     Total                $               -     $               -     $               -     $               -     $               -     $               -     $               -     $               -     $               -     $               -     $               -     $               -     $               -   
     Product/Service 3
     # Sold
     Price
     Total                $               -     $               -     $               -     $               -     $               -     $               -     $               -     $               -     $               -     $               -     $               -     $               -     $               -   
     Product/Service 4
     # Sold
     Price
     Total                $               -     $               -     $               -     $               -     $               -     $               -     $               -     $               -     $               -     $               -     $               -     $               -     $               -   
     Product/Service 5
     # Sold
     Price
     Total                $               -     $               -     $               -     $               -     $               -     $               -     $               -     $               -     $               -     $               -     $               -     $               -     $               -   
      Total Year 2        $               -     $               -     $               -     $               -     $               -     $               -     $               -     $               -     $               -     $               -     $               -     $               -     $               -   
     Notes to Realistic Sales Forecast Yr2