Cash Flow Template for Small Business
This cash flow template helps you track money coming in and money going out, so you can plan with clearer financial visibility. It is designed for small businesses that want a simple way to understand monthly cash position.
What is cash flow?
Cash flow is the movement of money in and out of your business. It is different from profit. A business can be profitable on paper and still struggle if cash arrives later than expenses are due.
How to use this cash flow template
- Start with your opening balance
- List expected income by week or month
- Add fixed costs and variable costs
- Calculate net cash position and closing balance
- Update regularly and use it for planning decisions
Common cash flow categories
- Income from sales, invoices, retainers or product orders
- Marketing spend, ads and software subscriptions
- Suppliers, materials and delivery costs
- Wages, contractors and professional services
- Taxes and accountancy
Link cash flow to planning
Cash flow becomes more useful when it informs decisions. If cash is tight in a month, you can prioritise sales activity, adjust spending and schedule work realistically.
Related templates and tools
- Business Budget Template
- Financial Projections Template
- Simple Business Plan Template
- Business Model Canvas Template
- Business Proposal Template
- Small Business Plan Examples
Tip: keep it simple. A basic cash flow view updated regularly is more useful than a perfect spreadsheet that is never maintained.
FAQ
What is a cash flow template?
A cash flow template tracks money coming in and going out over time, helping you understand your cash position and plan spending and sales activity.
What is the difference between cash flow and profit?
Profit is revenue minus expenses. Cash flow is the timing of money moving in and out. A business can be profitable but struggle if cash arrives later than expenses are due.
How often should I update my cash flow?
Many small businesses update cash flow weekly or monthly. The best frequency is the one you can maintain consistently.
What templates pair best with a cash flow plan?
Cash flow works well alongside a business budget and financial projections. Related pages: Business Budget Template and Financial Projections Template.
How does cash flow connect to business planning?
Cash flow informs realistic priorities. If cash is tight, you can plan sales activity, reduce costs and schedule work based on what the business can support. Related pages: Simple Business Plan Template and Business Model Canvas Template.