Small business cash flow statement template

Cash flow statement template for small businesses

Master your business cash flow with this comprehensive Excel template designed for small business owners who need to track actual cash movement month by month. Monitor operating activities, investing decisions, and financing activities with this professionally formatted 12-month cash flow projection.

This detailed template organizes cash flows into three critical categories. Operating activities track customer receipts, cost of goods sold payments, payroll, rent, marketing expenses, and other day-to-day cash flows. Investing activities monitor capital expenditures, equipment purchases, and asset sales. Financing activities track loan proceeds, owner contributions, principal payments, and distributions.

The built-in Excel formulas automatically calculate net cash from each activity category and provide monthly net cash change with running totals. Each line item includes helpful notes explaining what belongs in each category, making it easy to classify your cash flows correctly and understand your business's cash generation patterns.

Whether you're planning for seasonal fluctuations, preparing loan applications, or simply want to avoid cash shortages, this template provides the month-by-month visibility you need to manage your business cash flow effectively.