How to Create a Cash Flow Forecast

Male entrepreneur and restaurant owner sitting at a table while the location is closed. Working on a cash flow forecast to check on his business health.

10 min. read

Updated May 3, 2024

A good cash flow forecast might be the most important single piece of a business plan . All the strategy, tactics, and ongoing business activities mean nothing if there isn’t enough money to pay the bills.

That’s what a cash flow forecast is about—predicting your money needs in advance.

By cash, we mean money you can spend. Cash includes your checking account, savings, and liquid securities like money market funds. It is not just coins and bills.

Profits aren’t the same as cash

Profitable companies can run out of cash if they don’t know their numbers and manage their cash as well as their profits.

For example, your business can spend money that does not show up as an expense on your  profit and loss statement . Normal expenses reduce your profitability. But, certain spending, such as spending on inventory, debt repayment, and purchasing assets (new equipment, for example) reduces your cash but does not reduce your profitability. Because of this, your business can spend money and still be profitable.

On the sales side of things, your business can make a sale to a customer and send out an invoice, but not get paid right away. That sale adds to the revenue in your profit and loss statement but doesn’t show up in your bank account until the customer pays you.

That’s why a cash flow forecast is so important. It helps you predict how much money you’ll have in the bank at the end of every month, regardless of how profitable your business is.

Learn more about the differences between cash and profits .

  • Two ways to create a cash flow forecast

There are several legitimate ways to do a cash flow forecast. The first method is called the “Direct Method” and the second is called the “Indirect Method.” Both methods are accurate and valid – you can choose the method that works best for you and is easiest for you to understand.

Unfortunately, experts can be annoying. Sometimes it seems like as soon as you use one method, somebody who is supposed to know business financials tells you you’ve done it wrong. Often that means that the expert doesn’t know enough to realize there is more than one way to do it.

  • The direct method for forecasting cash flow

The direct method for forecasting cash flow is less popular than the indirect method but it can be much easier to use.

The reason it’s less popular is that it can’t be easily created using standard reports from your business’s accounting software. But, if you’re creating a forecast – looking forward into the future – you aren’t relying on reports from your accounting system so it may be a better choice for you.

That downside of choosing the direct method is that some bankers, accountants, and investors may prefer to see the indirect method of a cash flow forecast. Don’t worry, though, the direct method is just as accurate. After we explain the direct method, we’ll explain the indirect method as well.

The direct method of forecasting cash flow relies on this simple overall formula:

Cash Flow = Cash Received – Cash Spent

And here’s what that cash flow forecast actually looks like:

sample cash flow with the direct method

Let’s start by estimating your cash received and then we’ll move on to the other sections of the cash flow forecast.

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Forecasting cash received

You receive cash from three primary sources: 

1. Sales of your products and services

In your cash flow forecast, this is the “Cash from Operations” section. When you sell your products and services, some customers will pay you immediately in cash – that’s the “cash sales” row in your spreadsheet. You get that money right away and can deposit it in your bank account. You might also send invoices to customers and then have to collect payment. When you do that, you keep track of the money you are owed in  Accounts Receivable . When customers pay those invoices, that cash shows up on your cash flow forecast in the “Cash from Accounts Receivable” row. The easiest way to think about forecasting this row is to think about what invoices will be paid by your customers and when.

2. New loans and investments in your business

You can also receive cash by getting a new loan from a bank or an investment. When you receive this kind of cash, you’ll track it in the rows for loans and investments. It’s worth keeping these two different types of cash in-flows separate from each other, mostly because loans need to be repaid while investments do not need to be repaid.

3. Sales of assets

Assets are things that your business owns, such as vehicles, equipment, or property. When you sell an asset, you’ll usually receive cash from that sale and you track that cash in the “Sales of Assets” section of your cash flow forecast. For example, if you sell a truck that your company no longer needs, the proceeds from that sale would show up in your cash flow statement.

Forecasting cash spent

Similar to how you forecast the cash that you plan on receiving, you’ll forecast the cash that you plan on spending in a few categories:

1. Cash spending and paying your bills

You’ll want to forecast two types of cash spending related to your business’s operations: Cash Spending and Payment of Accounts Payable. Cash spending is money that you spend when you use petty cash or pay a bill immediately. But, there are also bills that you get and then pay later. You track these bills in  Accounts Payable . When you pay bills that you’ve been tracking in accounts payable, that cash payment will show up in your cash flow forecast as “payment of accounts payable”. When you’re forecasting this row, think about what bills you’ll pay and when you’ll pay them. In this section of your cash flow forecast, you exclude a few things: loan payments, asset purchases, dividends, and sales taxes. These will show up in the following sections.

2. Loan Payments

When you make loan repayments, you’ll forecast the repayment of the principal in your cash flow forecast. The interest on the loan is tracked in the “non-operating expense” that we’ll discuss below.

3. Purchasing Assets

Similar to how you track sales of assets, you’ll forecast asset purchases in your cash flow forecast. Asset purchases are purchases of long-lasting, tangible things. Typically, vehicles, equipment, buildings, and other things that you could potentially re-sell in the future. Inventory is an asset that your business might purchase if you keep inventory on hand.

4. Other non-operating expenses and sales tax

Your business may have other expenses that are considered “non-operating” expenses. These are expenses that are not associated with running your business, such as investments that your business may make and interest that you pay on loans. In addition, you’ll forecast when you make tax payments and include those cash outflows in this section. 

Forecasting cash flow and cash balance

In the direct cash flow forecasting method, calculating cash flow is simple. Just subtract the amount of cash you plan on spending in a month from the amount of cash you plan on receiving. This will be your “net cash flow”. If the number is positive, you receive more cash than you spend. If the number is negative, you will be spending more cash than you receive. You can predict your cash balance by adding your net cash flow to your cash balance.

  • The indirect method

The indirect method of cash flow forecasting is as valid as the direct and reaches the same results.

Where the direct method looks at sources and uses of cash, the indirect method starts with net income and adds back items like depreciation that affect your profitability but don’t affect the cash balance.

The indirect method is more popular for creating cash flow statements about the past because you can easily get the data for the report from your accounting system.

You create the indirect cash flow statement by getting your Net Income (your profits) and then adding back in things that impact profit, but not cash. You also remove things like sales that have been booked, but not paid for yet.

Here’s what an indirect cash flow statement looks like:

projected cash flow with the indirect method

There are five primary categories of adjustments that you’ll make to your profit number to figure out your actual cash flow:

1. Adjust for the change in accounts receivable

Not all of your sales arrive as cash immediately. In the indirect cash flow forecast, you need to adjust your net profit to account for the fact that some of your sales didn’t end up as cash in the bank but instead increased your accounts receivable.

2. Adjust for the change in accounts payable

Very similar to how you make an adjustment for accounts receivable, you’ll need to account for expenses that you may have booked on your income statement but not actually paid yet. You’ll need to add these expenses back because you still have that cash on hand and haven’t paid the bills yet.

3. Taxes & Depreciation

On your income statement, taxes and depreciation work to reduce your profitability. On the cash flow statement, you’ll need to add back in depreciation because that number doesn’t actually impact your cash. Taxes may have been calculated as an expense, but you may still have that money in your bank account. If that’s the case, you’ll need to add that back in as well to get an accurate forecast of your cash flow.

4. Loans and Investments

Similar to the direct method of cash flow, you’ll want to add in any additional cash you’ve received in the form of loans and investments. Make sure to also subtract any loan payments in this row.

5. Assets Purchased and Sold

If you bought or sold assets, you’ll need to add that into your cash flow calculations. This is, again, similar to the direct method of forecasting cash flow.

  • Cash flow is about management

Remember: You should be able to project cash flow using competently educated guesses based on an understanding of the flow in your business of sales, sales on credit, receivables, inventory, and payables.

These are useful projections. But, real management is minding the projections every month with plan versus actual analysis so you can catch changes in time to manage them. 

A good cash flow forecast will show you exactly when cash might run low in the future so you can prepare. It’s always better to plan ahead so you can set up a line of credit or secure additional investment so your business can survive periods of negative cash flow.

  • Cash Flow Forecasting Tools

Forecasting cash flow is unfortunately not a simple task to accomplish on your own. You can do it with spreadsheets, but the process can be complicated and it’s easy to make mistakes. 

Fortunately, there are affordable options that can make the process much easier – no spreadsheets or in-depth accounting knowledge required.

If you’re interested in checking out a cash flow forecasting tool, take a look at LivePlan for cash flow forecasting. It’s affordable and makes cash flow forecasting simple.

One of the key views in LivePlan is the cash flow assumptions view, as shown below, which highlights key cash flow assumptions in an interactive view that you can use to test the results of key assumptions:

Utilizing LivePlan allows you to actively change and adjust your forecasts with a simple dashboard.

With simple tools like this, you can explore different scenarios quickly to see how they will impact your future cash.

Content Author: Tim Berry

Tim Berry is the founder and chairman of Palo Alto Software , a co-founder of Borland International, and a recognized expert in business planning. He has an MBA from Stanford and degrees with honors from the University of Oregon and the University of Notre Dame. Today, Tim dedicates most of his time to blogging, teaching and evangelizing for business planning.

Check out LivePlan

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  • Profits aren’t the same as cash

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  • Cash Flow Projection – The Comple...

Cash Flow Projection – The Complete Guide

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Table of Content

Key takeaways.

  • Cash flow projection is a vital tool for financial decision-making, providing a clear view of future cash movements.
  • Cash flow is crucial for business survival and includes managing cash effectively and providing a financial planning roadmap.
  • Automation in cash flow management is a game-changer. It enhances accuracy, efficiency, and scalability in projecting cash flows, helping businesses avoid common pitfalls.

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Introduction

Cash flow is the lifeblood of any business. Yet, many companies constantly face the looming threat of cash shortages, often leading to their downfall. Despite its paramount importance, cash flow management can be overwhelming, leaving businesses uncertain about their financial stability.

But fear not, there’s a straightforward solution to this common problem – cash flow projection. By mastering the art of cash flow projection, you can gain better control over your finances and steer your business away from potential financial crises. Cash flow projections offer a proactive approach to managing cash flow, enabling you to anticipate challenges and make informed decisions to safeguard the future of your business.

If you’re unsure how to accurately perform cash flow projections or if you’re new to the concept altogether, this article will explain everything you need to know about cash flow projections – to help you confidently navigate the financial landscape of your business.

What Is Cash Flow?

To grasp the concept of cash flow projections, we must first understand the essence of cash flow itself. Cash flow is all about the movement of money flowing in and out of business. It reflects the company’s financial health and liquidity, capturing the inflows and outflows of cash over a specific timeframe.

To truly grasp your business’s financial landscape, you must understand the stages of cash flow: operating, investing, and financing activities, and how to analyze and make sense of it.

Read more to uncover a step-by-step guide on how to perform a cash flow analysis (template + examples) and methods to assess key items in cash flow statements.

What Is Cash Flow Projection?

Cash flow projection is the process of estimating and predicting future cash inflows and outflows within a defined period—usually monthly, quarterly, or annually.

Think of cash flow projection (also referred to as a cash flow forecast) as a financial crystal ball that allows you to peek into the future of your business’s cash movements. It involves mapping out the expected cash inflows (receivables) from sales, investments, and financing activities and the anticipated cash outflows (payables) for expenses, investments, and debt repayments.

It provides invaluable foresight into your business’s anticipated cash position, helping you plan for potential shortfalls, identify surplus funds, and make informed financial decisions.

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Why Are Cash Flow Projections Important for Your Business?

Managing cash flow is a critical aspect of running a successful business. It can be the determining factor between flourishing and filing for Chapter 11 (aka bankruptcy ).

In fact, studies reveal that 30% of business failures stem from running out of money. To avoid such a fate, by understanding and predicting the inflow and outflow of cash, businesses can make informed decisions, plan effectively, and steer clear of potential financial disasters.

Cash Flow Projection vs. Cash Flow Forecast

Having control over your cash flow is the key to a successful business. By understanding the differences between cash flow statements and projections, small business owners can use these tools more effectively to manage their finances and plan for the future. 

Discover the power of HighRadius cash flow forecasting software ,designed to precisely capture and analyze diverse scenarios , seamlessly integrating them into your cash forecasts. By visualizing the impact of these scenarios on your cash flows in real time, you gain a comprehensive understanding of potential outcomes and can proactively respond to changing circumstances.

Here’s how AI takes variance analysis to the next level and helps you generate accurate cash flow forecasts with low variance. It automates the collection of data on past cash flows, including bank statements, accounts receivable, accounts payable, and other financial transactions, and integrates with most financial systems. This data is analyzed to detect patterns and trends that can be used to anticipate future cash flows. Based on this historical analysis and regression analysis of complex cash flow categories such as A/R and A/P, AI selects an algorithm that can provide an accurate cash forecast.

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Step-by-Step Guide to Creating a Cash Flow Projection

Step 1: choose the type of projection model.

  • Determine the appropriate projection model based on your business needs and planning horizon.
  • Consider the following factors when choosing a projection model:
  • Short-term Projections: Covering a period of 3-12 months, these projections are suitable for immediate planning and monitoring.
  • Long-term Projections: Extending beyond 12 months, these projections provide insights for strategic decision-making and future planning.
  • Combination Approach: Use a combination of short-term and long-term projections to address both immediate and long-range goals.

Step 2: Gather historical data and sales information

  • Want to determine where you’re going? Take a look at where you’ve already been. Collect relevant historical financial data, including cash inflows and outflows from previous periods.
  • Analyze sales information, considering seasonality, customer payment patterns, and market trends.

Pro Tip: Finance teams often utilize accounting software to ingest a range of historical and transactional data. Read on to discover the business use cases of implementing a treasury management solution for optimal cash flow management .

Step 3: Project cash inflows

  • Estimate cash inflows based on sales forecasts, considering factors such as payment terms and collection periods.
  • Utilize historical data and market insights to refine your projections.

Step 4: Estimate cash outflows

  • Identify and categorize various cash outflows components, such as operating expenses, loan repayments, supplier payments, and taxes.
  • Use historical data and expense forecasts to estimate the timing and amount of cash outflows.

Pro Tip: By referencing the cash flow statement, you can identify the sources of cash inflows and outflows. Learn more about analyzing projected cash flow statement .

Step 5: Calculate opening and closing balances

  • Calculate the opening balance for each period, which represents the cash available at the beginning of the period.
  • Opening Balance = Previous Closing Balance
  • Calculate the closing balance by considering the opening balance, cash inflows, and cash outflows for the period.
  • Closing Balance = Opening Balance + Cash Inflows – Cash Outflows

Step 6: Account for timing and payment terms

  • Consider the timing of cash inflows and outflows to create a realistic cash flow timeline.
  • Account for payment terms with customers and suppliers to align projections with cash movements.

Step 7: Calculate net cash flow

  • Calculate the net cash flow for each period, which represents the difference between cash inflows and cash outflows.
  • Net Cash Flow = Cash Inflows – Cash Outflows

Pro Tip: Calculating the net cash flow for each period is vital for your business as it gives you a clear picture of your future cash position. Think of it as your future cash flow calculation.

Step 8: Build contingency plans

  • Incorporate contingency plans to mitigate unexpected events impacting cash flow, such as economic downturns or late payments.
  • Create buffers in your projections to handle unforeseen circumstances.

Step 9: Implement rolling forecasts

  • Embrace a rolling forecast approach, where you regularly update and refine your cash flow projections based on actual performance and changing circumstances.
  • Rolling forecasts provide a dynamic view of your cash flow, allowing for adjustments and increased accuracy.

Cash Flow Projection Example

Let’s take a sneak peek into the cash flow projection of Pizza Planet, a hypothetical firm. In March, they begin with an opening balance of $50,000. This snapshot will show us how their finances evolved during the next 4 months.

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Here are 5 key takeaways from the above cash flow projection analysis for Pizza Planet:

Upsurge in Cash Flow from Receivables Collection (April):

  • Successful efforts in collecting outstanding customer payments result in a significant increase in cash flow.
  • Indicates effective accounts receivable management and timely collection processes.

Buffer Cash Addition (May and June):

  • The company proactively adds buffer cash to prepare for potential financial disruptions.
  • Demonstrates a prudent approach to financial planning and readiness for unexpected challenges.

Spike in Cash Outflow from Loan Payment (May):

  • A noticeable cash outflow increase is attributed to the repayment of borrowed funds.
  • Suggests a commitment to honoring loan obligations and maintaining a healthy financial standing.

Manageable Negative Net Cash Flow (May and June):

  • A negative net cash flow during these months is offset by positive net cash flow in other months.
  • Indicates the ability to handle short-term cash fluctuations and maintain overall financial stability.

Consistent Closing Balance Growth:

  • The closing balance exhibits a consistent and upward trend over the projection period.
  • Reflects effective cash flow management, where inflows cover outflows and support the growth of the closing cash position.

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How to Calculate Projected Cash Flow?

To calculate projected cash flow, start by estimating incoming cash from sources like sales, investments, and financing. Then, deduct anticipated cash outflows such as operating expenses, loan payments, taxes, and capital expenditures. The resulting net cash flow clearly shows how much cash the business expects to generate or use within the forecasted period. 

Calculating projected cash flow is a crucial process for businesses to anticipate their future financial health and make informed decisions. This process involves forecasting expected cash inflows and outflows over a specific period using historical data, sales forecasts, expense projections, and other relevant information. Regularly updating and reviewing projected cash flow helps businesses identify potential cash shortages or surpluses, allowing for proactive cash management strategies and financial planning. 

Benjamin Franklin once said, ‘Beware of little expenses; a small leak will sink a great ship.’ This underscores the importance of managing and understanding cash flow in business. 

Download this cash flow calculator to effortlessly track your company’s operating cash flow, net cash flow (in/out), projected cash flow, and closing balance.

6 Common Pitfalls to Avoid When Creating Cash Flow Projections

At HighRadius, we recently turned our research engine toward cash flow forecasting to shed light on the sources of projection failures. One of our significant findings was that most companies opt for unrealistic projections models that don’t mirror the actual workings of your finance force.

Cash flow projections are only as strong as the numbers behind them. No one can be completely certain months in advance if literal or figurative storm clouds are waiting for them on the horizon. Defining a realistic cash flow projection for your company is crucial to achieving more accurate results. Don’t let optimism cloud your key assumptions. Stick to the most likely numbers for your projections.

A 5% variance is acceptable, but exceeding this threshold warrants a closer look at your key assumptions. Identify any logical flaws that may compromise accuracy. Take note of these pitfall insights we’ve gathered from finance executives who have shared their experiences:

  • Avoid overly generous sales forecasts that can undermine projection accuracy.
  • Maintain a realistic approach to sales projections to ensure reliable cash flow projections.
  • Reflect the payment behavior of your customers accurately in projections, especially if they tend to pay on the last possible day despite a 30-day payment schedule.
  • Adjust the projection cycle to align with the actual payment patterns.
  • Factor in annual and quarterly bills on the payables side of your projections.
  • Consider potential changes in tax rates if your business is expected to reach a new tax level.
  • Account for seasonal fluctuations and cyclical trends specific to your industry.
  • Analyze historical data to identify patterns and adjust projections accordingly to reflect these variations.
  • Incorporate contingencies in your projections to prepare for unforeseen circumstances such as economic downturns, natural disasters, or changes in market conditions.
  • Build buffers to mitigate the impact of unexpected events on your cash flow.

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  • Failing to create multiple scenarios can leave you unprepared for different business outcomes.
  • Develop projections for best-case, worst-case, and moderate scenarios to assess the impact of various circumstances on cash flow.

By addressing these pitfalls and adopting best practices shared by finance executives, you can create more reliable and effective cash flow projections for your business. Stay proactive and keep your projections aligned with the realities of your industry and market conditions.

How Automation Helps in Projecting Cash Flow?

Building a cash flow projection chart is just the first step; the real power lies in the insights it can provide. Cash flow projection is crucial, but let’s face it – the traditional process is resource-consuming and hampers productivity. Finance teams have no choice but to abandon it and let it gather dust for the remainder of a month.

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However, there’s a solution: a cash flow projection automation tool. 

Professionals in Controlling or Treasury understand this need for automation, but it requires an investment of time and money. Building a compelling business case is straightforward, especially for companies prioritizing cash reporting, forecasting, and leveraging the output for day-to-day cash management and investment planning.

Consider the following 3 business use cases shared by finance executives, highlighting the benefits that outweigh the initial investment:

Scalability and adaptability:

Forecasting cash flow in spreadsheets is manageable in the early stages, but as your business grows, it becomes challenging and resource-intensive. Manual cash flow management struggles to keep up with the increasing transactions and customer portfolios.

Many businesses rely on one-off solutions that only temporarily patch up cash flow processes without considering the implications for the future. Your business needs an automation tool that can effortlessly scale with your business, accommodating evolving needs.

Moreover, such dependable partners often offer customization options, allowing you to tailor the cash flow projections to your specific business requirements and adapt to changing market dynamics.

Time savings:

Consider a simple example of the time and effort involved in compiling a 13-week cash flow projection for stakeholders every week. The process typically includes

  • Capture cash flow data from banking and accounting platforms and classify transactions.
  • Create short-term forecasts using payables and receivables data.
  • Model budget and other business plans for medium-term forecasts.
  • Collect data from various business units, subsidiaries, and inventory levels.
  • Consolidate the data into a single cash flow projection.
  • Perform variance and sensitivity analysis.
  • Compile reporting with commentary.

This process alone can consume many hours each week. Let’s assume it takes six hours for a single resource and another six hours for other contributors, totaling 12 hours per week or 624 hours per year. Whether you are an enterprise or an SMB, learn how a 13-week cash flow projection template can help you keep your business on track and achieve your financial goals.

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Imagine the added time spent on data conversations, information requests, and follow-ups. Cash reporting can quickly become an ongoing, never-ending process.

By implementing a cash flow projection automation tool, you can say goodbye to tedious manual tasks such as logging in, downloading data, manipulating spreadsheets, and compiling reports. Automating these processes saves your team countless hours, allowing them to focus on strategic initiatives and high-value activities.

Accuracy and efficiency:

When it comes to cash flow monitoring and projection, accuracy is paramount for effective risk management. However, manual data handling introduces the risk of human error, which can have significant financial implications for businesses. These challenges may include:

  • Inaccurate financial decision-making
  • Cash flow uncertainty
  • Increased financial risks
  • Impaired stakeholder confidence
  • Wasted resources and time
  • Compliance and reporting challenges
  • Inconsistent data processing

Automating cash flow projections mitigates these risks by ensuring accurate and reliable results. An automation tool’s consistent data processing, real-time integration, error detection, and data validation capabilities instill greater accuracy, reliability, and confidence in the projected cash flow figures.

For example, Harris, a leading national mechanical contractor, transformed their cash flow management by adopting an automation tool. They achieved up to 85% accuracy across forecasts for 900+ projects and gained multiple 360-view projection horizons, from 1-Day to 6-Months, updated daily. This improvement in accuracy allowed the team to focus on higher-value tasks, driving better outcomes.

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Cash Flow Projections with HighRadius

Managing cash flow projections today requires a host of tools to track data, usage, and historic revenue trends as seen above. Teams rely on spreadsheets, data warehouses, business intelligence tools, and analysts to compile and report the data.

HighRadius has consistently provided its customers with powerful AI and forecasting tools to support real-time visibility, historical tracking, and predictive insights so your teams can reap the benefits of automated cash flow management.

When your forecast is off, you can miss opportunities to invest in growth or undermine your credibility and investor confidence. An accurate forecast means predictable growth and increased shareholder confidence. 

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Cash Flow Projection FAQs

1) how do you prepare a projected cash flow statement.

Steps to prepare a projected cash flow statement :

  • Analyze historical cash flows.
  • Estimate future sales and collections from customers.
  • Forecast expected payments to suppliers and vendors.
  • Consider changes in operating, investing, and financing activities.
  • Compile all these estimates into a projected cash flow statement for the desired period.

2) What is projected cash flow budget?

A projected cash flow budget is a financial statement that estimates the amount of cash your business is expected to receive and pay out over a specific time period. This information can be helpful in determining whether your business has enough cash flow to maintain its regular operations during the given period. It can also provide valuable insight into how to allocate your budget effectively.

3) What is a 3-year projected cash flow statement?

A 3-year projected cash flow statement forecasts cash inflows and outflows for the next three years. It helps businesses assess their expected cash position and plan for future financial needs and opportunities.

4) What is projected cash flow and fund flow statement?

Projected cash flow statement forecasts cash inflows and outflows over a period, aiding in budgeting and planning. Fund flow statement tracks the movement of funds between sources and uses, analyzing financial position. Both provide insights into a company’s liquidity and financial health.

5) What are the 4 key uses for a cash flow forecast?

  • Evaluate cash availability for operational expenses and investments.
  • Identify potential cash flow gaps or surpluses.
  • Support financial planning, budgeting, and decision-making.
  • Assist in securing financing or negotiating favorable terms with stakeholders.

6) What is the cash flow projection ratio?

The term cash flow projection ratio is not a commonly used financial ratio. However, various ratios like operating cash flow ratio, cash flow margin, and cash flow coverage ratio are used to assess a company’s cash flow generation and management capabilities.

7) What is the formula for projected cash flow?

The projected cash flow formula is Projected Cash Flow = Projected Cash Inflows – Projected Cash Outflows . It calculates the anticipated net cash flow by subtracting projected expenses from projected revenues, considering all sources of inflows and outflows.

8) What are the advantages of cash flow projection?

Cash flow projection helps businesses:

  • Anticipate future financial needs
  • Manage cash shortages effectively
  • Make informed decisions
  • Ensure stability and growth
  • Provide a roadmap for financial planning
  • Stay proactive in managing finances

Related Resources

What is Variance Analysis: Types, Examples and Formula

How to Choose the Right Treasury KPIs?

How to Choose the Right Treasury KPIs?

From Spreadsheet Woes to Cash Flow Control: How Automation Can Revolutionize Your Cash Flow Management

From Spreadsheet Woes to Cash Flow Control: How Automation Can Revolutionize Your Cash Flow Management

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business plan cash flow forecast template

Cash Flow Forecasting: A How-To Guide (With Templates)

Janet Berry-Johnson, CPA

Reviewed by

May 30, 2023

This article is Tax Professional approved

Most small business owners just want their accounting done so they can focus on doing what they love. But tracking and forecasting cash flow—despite the time and effort required—is essential for starting, operating, and expanding a business.

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In 2018, CB Insights analyzed 101 failed startups and found that running out of cash was the second most common cause of failure, impacting 29% of businesses.

To avoid that fate, you need a cash flow forecast to help you estimate how much your cash outflows and inflows will affect your business.

What is a cash flow forecast?

A cash flow forecast (also known as a cash flow projection) is like a budget, but rather than estimating revenues and expenses, it estimates cash coming in and going out based on past business performance.

It’s not uncommon for a business to experience a cash shortage, even when sales are good. This usually happens when customers are allowed to pay after the product or service is delivered. In cases like these, a business owner must plan how they will cover costs before receiving the payment.

For example, say Hana Enterprises ships $50,000 worth of security products to customers in January, along with invoices that are due in 30 days. The company will have $50,000 of revenues for the month but won’t receive any cash until February. On paper, the business looks healthy, but all of its sales are tied up in the accounts receivable. Unless Hana Enterprises has plenty of cash on hand at the beginning of the month, they will have trouble covering their expenditures until they start receiving cash from clients.

With a cash flow forecast, you ignore sales on credit, accounts payable, and accrued expenses, instead focusing on the revenue you actually expect to collect and the expenses you actually expect to pay during a given period. You can also use the information provided on past cash flow statements to estimate your expenses for the period you’re forecasting for.

( If you just want to dive into cash flow forecasting, check out our free cash flow forecast template . )

The benefits of cash forecasting

Cash forecasting may sound like something boring that accountants do in big companies. Not so! It’s absolutely essential for every single business. Here’s why:

  • It helps you identify potential problems. Cash forecasting can help you predict the months in which you’re likely to experience a cash deficit and make necessary changes, like changing your pricing or adjusting your business plan.
  • It decreases the impact of cash shortages. When you can predict months in which you might experience a cash shortage, you can take steps to plan for them. You might save more in months where you have a surplus, step up your receivables collection efforts, or establish a line of credit with your bank to guarantee enough working capital to last the period.
  • It keeps suppliers and employees happy. Late payments and missing paychecks damage your reputation with suppliers and employees. When you can predict how much money you’ll have on hand in any given month, you can confirm that you’ll be able to meet your payroll obligations and pay suppliers by the due date.

Free cash flow forecast template

To make this a lot easier, we’ve created a business cash flow forecast template for Excel you can start using right now.

Access Template

The template has three essential pieces:

  • Beginning cash balance. This is the actual cash you expect to have on hand at the beginning of the month. It should include bank accounts, PayPal, Venmo, anything you use that’s currently holding just business funds. This information can be found on your balance sheet .
  • Sources of cash. These are all of your cash inflows each month. It can include cash sales, receivables collections, repayments from money you’ve loaned out, etc.
  • Uses of cash. This is every expense your business may incur, including payroll, payments to vendors, utilities, rent, loan payments, etc.

Here’s an example of a completed cash flow projection for a three month period:

Hana Enterprises, Inc.

Cash Flow Projection

January to March 2022

As you can see from the example above, Hana Enterprises expects to have a cash shortage in March. This results from a negative net cash flow (when more cash goes out than comes in). Knowing that information ahead of time, the company can take steps to prevent the shortage from occurring.

Hana Enterprises has several options to avoid this shortage in March. They might secure a line of credit from the bank, purchase fewer computers in February, negotiate longer payment terms from vendors, contact late-paying customers to speed up the collection of receivables, or take other cost-cutting measures to reduce their overhead expenses.

When you’re ready to get started, download your copy of the cash flow forecasting sheet here .

How Bench can help

Use Bench’s simple, intuitive platform to get all the information you need to project your cash flow. Each month, your transactions are automatically imported into our platform then categorized and reviewed by your personal bookkeeper. Bench helps you stay on top of your business’s top expenses so you can make informed budgeting decisions on the fly. Explore our platform with a free tour today .

Tips for improving your cash flow spreadsheet

Keep in mind: a cash flow forecast isn’t something you create once a year and never look at again. It’s a living, breathing business tool you should review and update on a monthly basis.

Though projections are helpful, they can’t perfectly predict the future. As the months pass, you should expect to see that your projections aren’t quite matching up with your actual results. That means it’s time to re-run your forecast to take into account these differences.

To improve the accuracy of your cash flow worksheet, consider the following:

  • Account for extra pay periods. If you pay employees bi-weekly, make sure your projection takes into account any months with three payrolls.
  • Remember annual payments. If certain insurance policies, subscriptions, or other expenses are paid annually rather than monthly, be sure to include them in your spreadsheet.
  • Remember estimated tax payments. For most calendar-year businesses, estimated tax payments are due on April 15th, June 15th, September 15th, and January 15th.
  • Don’t forget about savings. Try to allocate a portion of any cash surpluses to save for lean months.
  • Identify seasonal fluctuations. If you’re expecting a period of time with lower sales, make sure your forecast reflects this so you can have enough cash on hand to ramp up when business picks up again.
  • Don’t forecast too far out. Creating a rolling 12-month cash flow forecast that you update at the end of each month can help you identify issues before your business faces financial troubles, but don’t try to forecast more than 12 months out. The longer the reporting period you want to forecast, the more likely you’ll end up spending a lot of time creating a cash flow projection that doesn’t provide any useful information.

Your cash flow forecast is key to good cash flow management . Try to account for all cash sources and uses in your projection and maintain an emergency fund or backup plan to ensure you don’t get sidelined by slow-paying customers or unexpected expenses. When you do, this simple but valuable tool can help you keep an eye on cash and ensure you don’t compromise growth or put your business in jeopardy.

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business plan cash flow forecast template

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Cash flow forecasting template

Cash flow forecasting template

A well-designed cash flow forecasting template is invaluable. With this resource, finance teams can track and manage a business’s key cash flow categories.

However, there’s no one-size-fits-all template. Every finance team has different business objectives that should shape the report.

Download our free cash flow forecast template below. We’ll show you how to customise and use your own cash flow forecast template right now in this article. When we’re through, you’ll know what the template should include and how you can use it to improve your forecasting.

Download your free cash flow forecast template [Excel]

Table of contents:

  • What is a cash flow forecasting template?
  • Why is a cash flow forecasting template important?
  • Daily cash forecasting
  • Monthly cash forecasting
  • Yearly cash forecasting
  • Choose your cash forecast template time horizon
  • CashAnalytics makes cash forecasting easier than building from scratch or using a template

What is a cash forecasting template?

A forecasting template (also known as a cash forecasting model ) is a blueprint that finance teams use for cash flow projection. Typically, the document sets out the key dimensions of a forecast model — the time horizon, time-period granularity, and cash flow categories.

The template sets out the key dimensions of a forecast model – the time horizon, the time-period granularity and the cash flow categories that will be forecasted and reported on”

In the image above, forecasting template columns reflect the reporting frequency of your forecast within a specific time period. Additionally, rows in the template present cash outflows and inflows. Typically, you’ll group all cash inflows as receipts and outgoing cash as payments or expenditures.

The two types of cash flow data are:

  • Actual data. In the graphic above, actual data is displayed in the column furthest to the left.
  • Forecast data. In the graphic above, forecast data is displayed in the columns on the right.

The cash flow data in a forecast template is determined by what your firm’s leadership wants to see in reports — like dividends, intercompany payments, taxes, or more.

Why Is a Cash Flow Forecasting Template Important?

Instead of building out a forecasting model from scratch, use a cash forecasting template. This resource outlines which cash flow categories to track, so your forecast model is comprehensive.

Use the insights from your cash flow template to make informed cash-planning decisions. Based on your firm’s closing balance, for instance, you can determine creditworthiness or mobilise available cash for hiring more people.

How to Customise Your Cash Flow Projection Template

Earlier, we provided a downloadable cash forecasting template. To tailor the template to your exact business needs, you’ll need to choose a reporting granularity, time horizon, and how much actual data you want in your forecast.

Set Your Forecast Report’s Granularity

Your report’s granularity — the time intervals when you complete the reporting — depends on your forecast objectives.

If you’re focused on short-term liquidity planning, a daily reporting granularity likely makes sense. With a longer reporting period — like a weekly forecast — you may miss short-term liquidity shortfalls and leave your firm cash-strapped.

And if reporting granularity is too fine, it can muddy the waters and disguise important data trends. At the same time, long reporting intervals may lead you to miss important signals too.

The table below shows examples of report objectives and which frequency of creation is best for each.

Not sure which reporting frequency is best? Read on to learn about daily, monthly, and yearly forecasting.

Daily Cash Forecasting

Daily cash forecasting is a short-term cash flow model used for day-to-day cash management and liquidity planning. The model works best for businesses that operate on fine margins or tight working capital cycles (WCC) — like a firm in the pre-acquisition stage.

Because of its short time horizon, daily forecasting gives a granular view of cash that enables day-to-day decision-making. Different internal and external factors can lead you to consider daily cash forecasting.

  • Internal: Excessive administration or delays in longer-term forecasts can lead to a lack of liquidity visibility. Daily cash forecasts provide quick insight into available operating capital for business expansion — like opening new branches, acquiring other companies, setting up plants, and more.
  • External: If your firm just signed a new credit agreement or secured a revolving credit line, daily forecasting helps you manage day-to-day cash flows for faster loan repayments.

For a daily cash forecast, source data from ERP systems, AP/AR ledgers, bank files, payroll and billing systems, CRM tools, and more.

Monthly Cash Forecasting

Similar to daily forecasts, a monthly cash flow forecast is often used for cash planning and management reporting. The model is also a good fit if your company’s debt repayment plans involve covenant forecasting .

Monthly forecasts provide a balanced perspective since they are in between annual budgets and shorter forecasts like daily or weekly. That’s why forecasts done on a monthly basis are ideal for measuring if you’ll be able to honor your financial promises — to investors, lenders, and others.

Data sources for monthly cash forecasts include budgets, historical data, business and sales plans, intercompany deal flows, and more.

Yearly Cash Forecasting

Over several 12-month periods— say three to five years— you can assess the cash your firm needs for the long term. These cash requirements span across capital projects and growth strategies like setting up a new production plant or office building.

A yearly cash forecast is often a good foundation for creating future annual budgets because it presents year-to-year financing, operations, and investing trends. Combine yearly cash forecasting with shorter forecast models to plan for multiple scenarios and create a rolling budget. When used together, these reports help you make more thorough cash plans.

Choose Your Cash Forecast Template Time Horizon

Along with setting reporting granularity, you’ll need to determine how much time your cash flow forecast will cover.

Forecast accuracy generally decreases with time, so the horizon for a short-term liquidity planning forecast ideally shouldn’t be long. In our experience, this type of forecast hardly covers more than 10 business days.

We have a short series of articles meant to help you decide the forecast time horizon that fits your business objectives. The first piece reviews the practical uses of the 13-week cash flow forecast .

Like granularity, your forecast’s time horizon should align with the report’s objectives. To see typical forecast horizon and goal pairings, check out this table.

Determine the Cash Flow Categories You’ll Use in Your Forecast

A cash flow forecast covers receipts (incoming cash) and payments (outgoing cash). Within these two sections, there are a number of subcategories, including:

  • AR cash collections: the amount of unpaid sales invoices customers owe you
  • Debt drawdown: any money you borrowed from available lines of credit
  • Sales collections: invoice payments you received from businesses or individuals
  • Capital expenditure: money you spent on purchasing or revamping fixed assets like land or buildings
  • Payroll: cash you used to pay staff and contractors
  • Taxes: the mandatory percentage of your income paid to tax authorities
  • Debt repayment: money you used to pay back loans
  • Intercompany payments: cash paid to a subsidiary firm.
  • One-off items: like expansion of a production facility

CashAnalytics Makes Cash Forecasting Easier Than Building from Scratch or Using a Template

If you plan to set up a cash flow forecasting process from the ground up, we’ve got you. This post is an extract from the guide we recently produced, which covers all aspects involved in setting up a cash flow forecasting process. Please follow this link to the Cash Flow Forecasting Setup Guide , which we welcome you to download. The guide discusses: what is involved in setting business objectives, how to set the process up, as well as what comes after go-live.

Alternatively, templates are a great way to create quicker cash forecasts.

With CashAnalytics , you don’t even have to worry about building a cash forecasting process from scratch or working around a manual template. Our cash flow forecasting software automates forecast processes, enables instant cash balance visibility, and aids variance analysis. We also provide step-by-step support to customise our tool for your specific business objectives.

Schedule a free demo to learn exactly how CashAnalytics works and see if it’s a good fit for you.

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How To Build A Cash Flow Forecast For Your Startup In 8 Steps

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  • November 17, 2023
  • Forecast your business

cash flow forecast startup

Whether you want to understand what’s your breakeven , your valuation or simply create a budget for your business plan, preparing a cash flow forecast for your startup is key.

There are a number of options available to you : use a financial model template, a software, hire an expert or do it yourself. In this article we will discuss the latter option: how you can create a rock-solid cash flow forecast for your startup yourself. Let’s dive in!

What is a cash flow forecast?

A cash flow forecast is a document (often in the form of a spreadsheet such as Excel or Google Sheets) whereby one estimates the flow of cash (cash in and out) of a business over a specific period of time.

In other words, a cash flow forecast simply is the projection of a business’ cash flow statement .

What’s a cash flow statement?

The cash flow statement is one of the 3 financial statements of any business. As you might already know, they are: the profit-and-loss (“P&L”, also referred to as “income statement”), balance sheet and cash flow statement.

Whilst your P&L includes all your business’ revenues and expenses in a given period, the cash flow statement records all cash inflows and outflows over that same period.

business plan cash flow forecast template

Indeed, some revenues and expenses are not necessarily recorded in your P&L but should be included in your cash flow statement instead. Why is that?

There are 2 main reasons:

Your P&L only includes the expenses you incurred to generate revenues over the same time period

For example, if you sell $100 worth of products in July 2021 and incurred $50 cost to source them from your supplier, your P&L shows $100 revenues minus $50 expenses for that month.

But what about if you bought a $15,000 car to deliver these products to your customers?

The $15,000 should not be recorded as an expense in your P&L, but a cash outflow instead. Indeed, the car will help you generate revenues, say over the next 5 years, not just in July 2021. We call these expenses “ capital expenditures ” (or “capex”).

Some expenses in your P&L aren’t necessarily cash outflows

Think depreciation and amortization expenses for instance: they are pure artificial expenses and aren’t really “spent”.

Indeed, although your P&L might include a $100 depreciation expense, your cash flow remains the same. You didn’t really spend that $100: it’s purely an accounting adjustment to account for the decrease in asset value in your balance sheet.

Note: Depreciation and Amortization expenses are used in accounting to reflect the “loss” in value of an asset. For instance, the $15,000 car you just bought, like any other asset, will depreciate over time. Assuming a 5 years depreciation schedule, your car would be deemed worthless in 5 years time.

business plan cash flow forecast template

Why does your startup need a cash flow forecast?

Entrepreneurs and startup founders often create their first budget and cash flow forecast when pitching investors. Budgets later often end up somewhere idle in a folder, outdated, and are updated for the next funding round.

Yet, budgeting for your startup shouldn’t just be a matter of ticking the box for investors. Instead, your cash flow forecast should be on top of your ongoing management tasks: keeping an updated monthly cash flow budget is essential to make better decisions for your business.

A few examples for creating (or updating) a cash flow forecast are:

  • Assess your breakeven point : when can you realistically expect to be profitable
  • Estimate a valuation for your business , even if you are pre-revenue
  • Include in your pitch deck or business plan
  • Understand how much you need to raise for your fundraising

business plan cash flow forecast template

Expert-built financial model templates for tech startups

The 8 steps to create a cash flow forecast

Creating financial forecasts for your startup shouldn’t be overly complicated. Even if you have no previous finance experience, with some basic accounting and finance knowledge one can create great cash flow forecast for any startup. Follow the steps below to build your own.

The first thing you will need to do is to open a blank spreadsheet (Excel or Google Sheets is fine), you can check this Excel template for accounting and follow the 8 steps below.

Remember that your cash flow forecast will need to be as accurate as possible , to do so you can sources such as market research reports, competitors analysis or even your own financial performance (if any).

1. Start from your actuals (if any)

If you have any historical performance to date, start from this to build your startup cash flow forecast.

Historical performance can be financials (revenue for example) but not only. If you haven’t yet started to generate revenue and/or revenue is limited and you feel other metrics are more relevant, go from there. For instance, if you have started to build a user list, or email sign-ups, you can also use these numbers to forecast growth, and ultimately revenue.

Only include the key drivers to your business

You don’t necessarily need now to start from your entire profit-and-loss or cash flow statement you would have exported from Xero for instance.

Instead, identify what drives the most of your business’ performance: is this the number of customers you have? Is this the commission rate you are charging your customers?

The key drivers will help us estimate your financial forecasts later on. As such, they need to be clearly identified. A few examples of drivers for 3 illustrative businesses are:

  • Retail : number of customers, average order value
  • Ecommerce : number of visitors, conversion rate, average order value
  • SaaS : number of users, churn, average revenue per user

Once you have identified your key drivers, include them as a start to your model. For instance, if you are generating $10,000 sales from 3,000 orders in a given month, your key drivers in that month can be:

  • Orders per month: 2,000
  • Average order value: $5.0

2. List all startup costs

For new businesses which don’t have yet historical performance, start by listing all the expenses you incur and the assets you need to buy before launching your business.

There are 2 types of startup expenses:

  • Assets : one-time purchases of assets such as equipment, machinery, inventory, etc.
  • Expenses : any expenses (usually fixed) you incur before you start your business. Do you need to pay for legal fees to incorporate multiple entities? Do you have to pay for a specific license for marketing your products to consumers? Maybe you will need to pay someone to build your website from which you will start acquiring customers later on?

business plan cash flow forecast template

3. Build your revenue model

Before we estimate revenue based on the drivers discussed earlier (step 1), we need to clearly identify what is your revenue model.

What is your revenue model?

A revenue model can be subscription, transactions, ads, commission revenue, etc. For a refresher, read our article on the 8 most popular revenue models .

Surprisingly enough, one business can have multiple revenue models.

For example, if you sell subscriptions to customers (e.g. gym membership) yet you also sell one-time services (e.g. private sessions with trainers), these should be listed as two separate revenue models.

Indeed, they work differently:

  • The subscription is a function of the total number of users you have multiplied by a recurring monthly fee
  • Private sessions are instead a function of a % of your users multiplied by a one-time fee

How to forecast revenue?

Once we have identified your revenue model(s), we need to build out revenue for each of them.

Using our gym membership above, subscription revenue will be a function of the number you have over time times the recurring fee. For private sessions instead, use a percentage of users who pay for a session each month (based on your historical if any) – for instance 5% of total users – and multiply it by the total number of users and the one-time session price.

Note: you might be wondering whether you should be taking into account VAT / sales tax for your revenues projections. VAT impacts your cash flow but doesn’t impact your profit-and-loss so you might not need to include it. For more information, read our article here .

4. Forecast variable costs

Variable costs are expenses that increase or decrease based on the level of sales and/or another factor (e.g. customers for instance). As such, they can’t just be flat over time, instead their amount will vary based on other parameters of your financial plan.

Common variable costs are:

  • Raw materials
  • Advertising spend (e.g. paid ads)
  • Packaging and shipping costs (ecommerce)
  • Transportation
  • Corporate taxes

If you have historical performance, use your actuals to forecast variable costs. For example, if you pay $10 in shipping costs in average per order, use the same value for your projections.

Instead, new businesses will have to find information either with industry benchmarks , public sources (cost-per-click for paid ads spending can be found for any keyword on Google Planner for instance) or quotes from potential suppliers.

5. Forecast fixed costs

Fixed costs in comparison, are easier to estimate as they remain fixed over the projected period. Common examples are:

  • Salaries and benefits (for each employee)
  • Website hosting
  • Rent and utilities

Salaries and other payroll expenses often constitute the bulk of fixed costs. In order to accurately forecast salaries you need to estimate the right amount of people you will need over time, and their salaries.

Average salaries for specific jobs and geographies can easily be found in industry benchmarks .

The number of people your business will need depends on their function: some teams will increase or decrease based on certain metrics such as revenue (sales and customer success teams often grow in line with revenue) whilst others will remain stable (administrative functions e.g. finance).

business plan cash flow forecast template

6. Putting it all together

Once you have projected revenue and expenses based on your key drivers, you can now consolidate it all under your profit-and-loss. Subtract all expenses (fixed and variable) as well as startup costs from revenue to get to net profit .

To calculate your cash flow statement, no need to do anything complicated at this stage: simply use your net profit, and subtract any other cash items (i.e. capital expenditures ), for instance the startup asset purchases discussed above (step 2).

Step 7. Review and adjust

After having built your projected profit-and-loss and (simplified) cash flow statement, take time to review your estimates. Do they make sense to you? Is there anything surprising in your projections?

The review of your financial forecast should help you determine 2 things:

  • Are your projections error-free? It’s easy to get lost in spreadsheet and make mistakes in your calculations.
  • Are your projections realistic? Now that you take a step back to look at the big picture (revenue, growth, margins, cash flow), it’s easier to assess whether your projections are unrealistic or not.

Step 8. Determine the amount you need to raise

If you are creating a cash flow forecast for your startup, chances are that your business will be loss making in the first few months or operations. No worries, that’s why startups often raise funding at the beginning before starting operations and/or product development.

If you are looking for funding for your startup, your cash flow forecast will help you assess how much you should raise.

Disclaimer: raising more is not necessarily better. Knowing exactly how much you need to raise will in fact dramatically increase your chances of raising funding.

business plan cash flow forecast template

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Cash Flow Forecast Template

Table of Contents

What is a Cash Flow Forecast?

A cash flow forecast estimates the future inflows and outflows of cash for a business. It can help a business plan for upcoming expenses and ensure enough money is available to meet its obligations.

Cash Flow Forecast Template

The forecast is typically created annually, monthly, or quarterly, and it can be very helpful in managing cash flow. To create a cash flow forecast, businesses need to track their current inflows and outflows of cash and make assumptions about future sales and expenses. With this information, businesses can develop a realistic picture of their future cash needs and plan accordingly.

At Business Accounting Basics, we understand the importance of reviewing your cash and ensuring there is enough for business activities. Therefore, we have created a cash forecast template available for free download. We also include a complete example and instructions to help you get started.

Accounting Software for Cash Forecasting

Although using an Excel template might be suitable, it is worth considering accounting software as an alternative. Two popular options for accounting software are Xero and Quickbooks . These programs allow users to easily input and track real-time financial data, such as income and expenses. They also provide forecasting options, keeping your accounting all in one place and updating the forecast with actual figures.

How to use a Cash Flow Forecast Template

A cash flow forecast is an essential tool for any business. It can help you track incoming and outgoing funds, anticipate shortfalls, and make informed decisions about allocating your resources.

Several templates are available online, but the basics of forecasting are always the same.

First, gather all of your financial information for the month, including sales revenue, costs of goods sold, operating expenses, and any other income or expenses. Next, input this information into the template.

Most templates will have pre-set categories, but our template allows you to set the categories for your specific needs. Once all the information is entered, the template automatically generates a forecast for the month or year.

It will give you a clear picture of your cash flow situation and help you make informed decisions about allocating your resources.

Cash Flow Forecast Template

Tips for creating a successful Cash Flow Forecast Template

1. review your current financial situation.

Before forecasting your cash flow, you must understand your current financial situation. This includes tracking your income and expenses for the past several months and knowing your business’ sales trends.

2. Use historical data to make assumptions about future cash flow

Once you understand your current financial situation, use this information to make assumptions about future cash flow. This will help to create a more accurate forecast.

3. Make sure all income and expenses are included in the forecast

To develop an accurate picture of your future cash flow, including all income and expenses in the forecast. This includes not only regular monthly expenses but also one-time or irregular expenses

4. Anticipate changes in revenue and expenses

Businesses can’t always predict when their revenue or expenses will change, so it’s important to anticipate these changes in the forecast. This will help you stay prepared for any fluctuations in cash flow.

5. Reconcile actual results with the forecast regularly

The best way to ensure that your cash flow forecast is accurate is by regularly reconciling actual results with the forecast. This will help you to identify any areas where the forecast is inaccurate and make adjustments accordingly

Following these tips, you can create a successful cash flow forecast template to help you manage your business’ finances effectively.

4. Benefits of using a Cash Flow Forecasting Template

A cash flow forecasting template can be valuable for any business owner. By creating a forecast, businesses can better understand their incoming and outgoing cash flow and make necessary adjustments to ensure they always have enough cash on hand to meet their obligations.

Forecasting can help businesses plan for significant expenses, such as equipment purchases or expansion projects. A cash flow forecast can also give business owners peace of mind by providing a clear view of their financial situation. With all these benefits, it’s no wonder that more and more businesses are using cash flow forecasting templates to help them stay on top of their finances.

Using a template already provided online will save time in setting one up yourself. The developer should have tested it to ensure that the additions are all correct. If you are new to Excel, setting up templates is a steep learning curve.

How often should you update your Cash Flow Forecast Template?

Many businesses use a cash flow forecast template to help them track and predict their short-term cash flow. Depending on your business’s size and complexity, you may need to update your template weekly, monthly, or quarterly.

Updating your template more frequently can help you better understand your current cash situation and make more informed decisions about spending and saving. However, more frequent updates may require more time and attention to detail.

Ultimately, the frequency with which you update your cash flow forecast template should be based on your specific needs and resources.

Where to get help with creating a Cash Flow Forecast Template

While there are many places to find templates online, including our free version. Ensuring that your chosen template is suitable for your business is essential. Talk to your accountant or bookkeeper about what information should be included in your template, and consider whether you need an accounting software program or an Excel spreadsheet.

An accountant might even have their own template available; if you don’t have the time, they can assist you in preparing a forecast. With some planning, you can find the right template to help you manage your cash flow and keep your business on track.

Where to get all the information to enter into a cash flow forecast

1. Start with your income. This should include all revenue from sales, services, interest, investments, and other sources. The figures are the net sales (no sales tax); if you expect any tax refund, include them.

2. Next, list all of your expenses. This should include fixed expenses, like rent or mortgage payments, and variable expenses, like utilities or inventory costs. Don’t forget to add dividend payments and tax payments.

3. Finally, identify any one-time or irregular expenses you expect to incur over the forecast period. This could include significant equipment purchases or expansion projects.

There are three primary resources to collect the figures from, including:

Income Statement

The income statement is the most vital information when forecasting cash flow. The income statement tells you how much revenue a company has generated over a period of time, as well as how much the cash paid out for business expenses is.

The information can help you predict how much cash a company will have available in the future. You can also use data from the income statement to predict how much money a company will spend in the future, which can help you create a more accurate cash flow forecast.

Balance Sheet

The balance sheet can be a valuable source of information for forecasting cash flow. By looking at the bank balance, creditors and debtors on the balance sheet, you can know how much cash the company has and will receive or spend in the future.

Bank Statement

The bank statement can be used to forecast regular payments, such as direct debits and standing orders. The statement shows the date of the payment, the amount, and the type of payment. This information can be used to create a schedule of regular payments that can be used to plan future expenses.

Once you have all this information, you can input it into your cash flow forecast template. Remember to update your template regularly to reflect your current financial situation accurately. With some planning and foresight, you can use your cash flow forecast template to keep your business on track.

Free Business Accounting Basics Cash Flow Forecasts Templates

We have created annual, weekly, and daily templates to help track your small business cash flow.

All the templates follow the same format, with cash receipts at the top and cash payments below. The bottom rows show the bank balance brought forward, the cash inflow and cash outflow and a balance carried forward.

Instructions for Cash Flow Forecast Use

To complete the Company’s cash flow forecast, follow these simple steps.

  • Decide which template you require and use the free download at the end of this article.
  • Either enter the start date for weekly or daily. On the monthly version, change the months.
  • Enter the opening bank balance on the first balance b/f
  • Create the best income and expenses categories and name them
  • Enter the projected income, and make sure you include cash receipts
  • Enter the cash outflows for both variable costs and fixed costs
  • All the balances are automatically calculated and will show the projected cash flow, which is the opening balance plus all income, minus expenses, leaving a net cash flow.
  • If you use the weekly or daily cash flow, change the balance b/f when you start a new week or day for the actual bank balance.

Licence Agreement for Business Cash Flow Forecast Template

By downloading the Cash Flow Forecast templates, you agree to our licence agreement , allowing you to use the templates for your own personal or business use only. You may not share, distribute, or resell the templates to anyone else in any way.

Annual Cash Flow Forecasts Template

Free cash flow forecast template

Our first template is for cash flow projections for a year on a monthly basis. This is required for a business plan or by banks for loans and overdraft facilities.

Microsoft365 for Business

Cash Flow Statement Template

Weekly cash flow forecasts template.

Weekly cash flow forecast template

Our second template is for cash flow projections weekly, split by week for three months. This is suitable for small business owners that need to track cash on a regular basis to check their financial situation regularly. It is required if a small business is near its overdraft limit.

Cash Flow Weekly

Daily cash flow forecast.

Daily Cash Flow Forecast

Our final template is the daily cash flow forecast for 14 days. It is only needed by small businesses if they are very tight on cash, and the situation might change daily.

Forecast Example

Download our free example; it is a forecast for one year for a computer hardware business.

Cash Flow Example

Cash flow forecast faq, why do i need a cash forecast.

It will show different figures to a profit and loss account. A profit and loss might show a profit for one month, but due to delays in collecting cash, there might not be enough cash to cover the expenses. This information can help business owners plan future expenses and stay on track financially. It can also be used to obtain loans or overdraft facilities from a bank.

How do you Create a Cash Flow Statement?

The easiest way to create a statement is in Excel using a free template, but if you are experienced in Excel, you can easily create one yourself to fit your small business needs.

Can I make Changes to the Cash Flow Forecast Template?

We have left the templates unprotected so you can add rows and columns to extend it.

I’m a new business; how do I get the figures?

As a new business, it is harder to collect the figures but estimate them and note why you have come to the figures.

Are there alternatives to using Excel?

Some of the best accounting software includes cash forecasts. We recommend Xero, QuickBooks or Sage. By using accounting software, you already have the actual figures available, so it helps with the complete process.

Cash Flow Forecast Template Conclusion

Forecasting your small business cash flow can seem daunting, but it can be a relatively simple process with the right tools and information. We’ve provided a few helpful resources to get started, including free templates for annual, weekly, and daily cash flow forecasts.

With these templates, you can easily track your company’s income and expenses to have a realistic picture of your current financial situation. Stay ahead of the game by planning for future expenditures and keeping tabs on your regular payments using our helpful tips.

Angela Boxwell MAAT

Angela Boxwell – Senior Writer at Business Accounting Basics

Angela Boxwell, MAAT, brings over 30 years of experience in accounting and finance. As the founder of Business Accounting Basics, she offers a wealth of free advice and practical tips to small business owners and entrepreneurs dealing with business finance complexities.

Angela has used and tested various accounting software packages; she is Xero-certified and a QuickBooks ProAdvisor. Experienced in using Excel spreadsheets for her bookkeeping needs and created a collection of user-friendly templates designed specifically for small businesses.

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  • Example of a cashflow
  • Business Finance
  • Business plans and cashflow
  • Back to Business plans and cashflow
  • Writing your business plan
  • Example of a business plan

As well as your business plan, a set of financial statements detailing you cashflow is essential. This will provide details of actual cash required by your business on a day-to-day, month-to-month and year-to-year basis.

The needs of a business constantly change and your cashflow will highlight any shortfalls in cash that will need to be bridged. Many established, viable, and even profitable businesses fail due to cash not being available when they need it most.

Good cashflow management is critical to running a successful business. You must be able to pay your bills while you await payment from your customers. There are many well-documented cases of businesses failing not because they weren't profitable but due to poor cashflow management.

You're in business to make a profit. It's a simple principle, but one that can occasionally become lost amid dreams of building multinational empires worth millions of pounds. You won't be able to stay in business, however, unless you have cash, hence the famous adage 'cash is king'.

There will probably be a time lag between your business providing its goods or services and getting paid. This means you have to make sure there is sufficient cash in your company's bank account for it to pay all its bills in the meantime – whether these relate to invoices from suppliers, employees' wages, rent, rates, tax, VAT or anything else.

Even if your business is profitable, there may be times when you are short of cash because you are awaiting payment for a large order. This is likely to be a particular problem during your first year when you are building up your business and don't have regular cash inflows.

The general principle of cashflow management is that you should speed up your cash inflows (customer payments, interest from bank accounts etc) and slow down your cash outflows within reason (purchase of stock and equipment, loan repayments and tax charges etc) as much as possible.

It can be difficult to affect your outflows other than extending your credit terms with your suppliers, which will often occur on fixed dates in the month and your employees and suppliers might also not take too kindly to you delaying payment to them. But there is more scope for you to improve your cash inflows.

This could mean billing regularly, chasing bad debt, selling your debt to a third party (factoring), negotiating extended credit terms with suppliers, managing your stock effectively (which could entail ordering little and often) and giving your customers 30-day payment terms.

Also, as businesses naturally have peaks and troughs, it is important that you put money away during the peaks so that you can dip into it during the troughs.

It is a good idea to think about investing in some accounting software to help you manage your cashflow. There are many software providers: an internet search should reveal the most common. Most provide software that can help you with cashflow analysis and forecasting, so that your business is never caught short of cash in the bank. Your accountant should be able to help advise you on which software package to buy.

How to use the cashflow forecast template

Our cashflow template will show you how a cashflow works and should be amended to suit your own business.

All figures to be entered are actual cash. This includes bank payments and receipts, cheques, bank transfers, cash payments and receipts – all of these should be included in your opening balance.  

Then complete the shaded area opening balance, which includes bank, loan and cash balances and should be put in the sheets:

  • monthly cashflow forecast
  • monthly actual cashflow

This provides the starting point for the rest of the cashflow. Next, input your month 1 forecast – all the sales broken down into the elements of your particular business – and do the same for expenditure. Base your figures on your own experience and what you forecast to receive or pay. The sections can be amended to reflect your business's requirements.

Repeat this process for the actual cashflow; here the figures you input are based on actual. This should then automatically be displayed in the third sheet:

  • monthly cashflow forecast/actual comparison

This is where the real analysis work is done and will determine the accuracy of your forecast figures. The forecasts sheet should be used to determine when you may have a cash shortfall before the event arises and will help determine whether you will need to obtain additional funding.

Download the cashflow template from 'Related documents'.

Related documents

Download EXCEL 93KB

ACCA Cashflow Template

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Cash flow templates.

It’s time to talk numbers. Having a cash flow statement can help you ensure you are always on track with your financials. Use the templates below to help you plan and forecast your business costs, expenses, and sales.

business plan cash flow forecast template

A complete cash flow statement will tell you how much money you need, how you arrived at that number, what purchases will be made, and how you will earn back borrowed monies with sales revenue.

If your business is asking for funding, how much you ask for should be supported by the total of your start-up costs (everything you need to spend before you open the doors) plus any operating costs for the first few months, until sales start coming in (enough to cover your ongoing expenses). Have questions ? We’re here to help .

Download Business Link’s Cash Flow Template

The numbers you talk about here will help with your financial projections, giving you an idea of costs and the viability of your business. You need to show that cash you receive through sales, investment, or financing will cover expenses throughout the coming months.

Looking for Funding?

Do you plan on asking for funding for your small business? Use our business plan builder with one of our partner organizations’ cash flow templates to apply for funding. Contact one of our trusted partners, listed below, to apply for funding.

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Whether you’re dreaming, building, or growing, the ATB Entrepreneur Centres offer a powerful set of tools to help your business and personal finances grow together.

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10 Free Business Plan Templates in Word, Excel, & ClickUp

Praburam Srinivasan

Growth Marketing Manager

February 13, 2024

Turning your vision into a clear and coherent business plan can be confusing and tough. 

Hours of brainstorming and facing an intimidating blank page can raise more questions than answers. Are you covering everything? What should go where? How do you keep each section thorough but brief?

If these questions have kept you up at night and slowed your progress, know you’re not alone. That’s why we’ve put together the top 10 business plan templates in Word, Excel, and ClickUp—to provide answers, clarity, and a structured framework to work with. This way, you’re sure to capture all the relevant information without wasting time. 

And the best part? Business planning becomes a little less “ugh!” and a lot more “aha!” 🤩

What is a Business Plan Template?

What makes a good business plan template, 1. clickup business plan template, 2. clickup sales plan template, 3. clickup business development action plan template, 4. clickup business roadmap template, 5. clickup business continuity plan template, 6. clickup lean business plan template, 7. clickup small business action plan template, 8. clickup strategic business roadmap template , 9. microsoft word business plan template by microsoft, 10. excel business plan template by vertex42.

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A business plan template is a structured framework for entrepreneurs and business executives who want to create business plans. It comes with pre-arranged sections and headings that cover key elements like the executive summary , business overview, target customers, unique value proposition, marketing plans, and financial statements.  

A good business plan template helps with thorough planning, clear documentation, and practical implementation. Here’s what to look for:

  • Comprehensive structure: A good template comes with all the relevant sections to outline a business strategy, such as executive summary, market research and analysis, and financial projections 
  • Clarity and guidance: A good template is easy to follow. It has brief instructions or prompts for each section, guiding you to think deeply about your business and ensuring you don’t skip important details
  • Clean design: Aesthetics matter. Choose a template that’s not just functional but also professionally designed. This ensures your plan is presentable to stakeholders, partners, and potential investors
  • Flexibility : Your template should easily accommodate changes without hassle, like adding or removing sections, changing content and style, and rearranging parts 🛠️ 

While a template provides the structure, it’s the information you feed it that brings it to life. These pointers will help you pick a template that aligns with your business needs and clearly showcases your vision.

10 Business Plan Templates to Use in 2024

Preparing for business success in 2024 (and beyond) requires a comprehensive and organized business plan. We’ve handpicked the best templates to help you guide your team, attract investors, and secure funding. Let’s check them out.

ClickUp Business Plan Template

If you’re looking to replace a traditional business plan document, then ClickUp’s Business Plan Template is for you!

This one-page business plan template, designed in ClickUp Docs , is neatly broken down into the following sections:

  • Company description : Overview, mission, vision, and team
  • Market analysis : Problem, solution, target market, competition, and competitive advantage
  • Sales and marketing strategy : Products/services and marketing channels
  • Operational plan : Location and facilities, equipment and tools, manpower, and financial forecasts
  • Milestones and metrics: Targets and KPIs

Customize the template with your company logo and contact details, and easily navigate to different sections using the collapsible table of contents. The mini prompts under each section guide you on what to include—with suggestions on how to present the data (e.g., bullet lists, pictures, charts, and tables). 

You can share the document with anyone via URL and collaborate in real time. And when the business plan is ready, you have the option to print it or export it to PDF, HTML, or Markdown.

But that’s not all. This template is equipped with basic and enterprise project management features to streamline the business plan creation process . The Topics List view has a list of all the different sections and subsections of the template and allows you to assign it to a team member, set a due date, and attach relevant documents and references.

Switch from List to Board view to track and update task statuses according to the following: To Do, In Progress, Needs Revision, and Complete. 

This template is a comprehensive toolkit for documenting the different sections of your business plan and streamlining the creation process to ensure it’s completed on time. 🗓️

ClickUp Sales Plan Template

If you’re looking for a tool to kickstart or update your sales plan, ClickUp’s Sales Plan Template has got you covered. This sales plan template features a project summary list with tasks to help you craft a comprehensive and effective sales strategy. Some of these tasks include:

  • Determine sales objectives and goals
  • Draft positioning statement
  • Perform competitive analysis
  • Draft ideal customer persona
  • Create a lead generation strategy

Assign each task to a specific individual or team, set priority levels , and add due dates. Specify what section of the sales plan each task belongs to (e.g., executive summary, revenue goals, team structure, etc.), deliverable type (such as document, task, or meeting), and approval state (like pending, needs revisions, and approved).

And in ClickUp style, you can switch to multiple views: List for a list of all tasks, Board for visual task management, Timeline for an overview of task durations, and Gantt to get a view of task dependencies. 

This simple business plan template is perfect for any type of business looking to create a winning sales strategy while clarifying team roles and keeping tasks organized. ✨

ClickUp Business Development Action Plan Template

Thinking about scaling your business’s reach and operations but unsure where or how to start? It can be overwhelming, no doubt—you need a clear vision, measurable goals, and an actionable plan that every member of your team can rally behind. 

Thankfully, ClickUp’s Business Development Action Plan Template is designed to use automations to simplify this process so every step toward your business growth is clear, trackable, and actionable.

Start by assessing your current situation and deciding on your main growth goal. Are you aiming to increase revenue, tap into new markets, or introduce new products or services? With ClickUp Whiteboards or Docs, brainstorm and collaborate with your team on this decision.

Set and track your short- and long-term growth goals with ClickUp’s Goals , break them down into smaller targets, and assign these targets to team members, complete with due dates. Add these targets to a new ClickUp Dashboard to track real-time progress and celebrate small wins. 🎉

Whether you’re a startup or small business owner looking to hit your next major milestone or an established business exploring new avenues, this template keeps your team aligned, engaged, and informed every step of the way.

ClickUp Business Roadmap Template

ClickUp’s Business Roadmap Template is your go-to for mapping out major strategies and initiatives in areas like revenue growth, brand awareness, community engagement, and customer satisfaction. 

Use the List view to populate tasks under each initiative. With Custom Fields, you can capture which business category (e.g., Product, Operations, Sales & Marketing, etc.) tasks fall under and which quarter they’re slated for. You can also link to relevant documents and resources and evaluate tasks by effort and impact to ensure the most critical tasks get the attention they deserve. 👀

Depending on your focus, this template provides different views to show just what you need. For example, the All Initiatives per Quarter view lets you focus on what’s ahead by seeing tasks that need completion within a specific quarter. This ensures timely execution and helps in aligning resources effectively for the short term.

This template is ideal for business executives and management teams who need to coordinate multiple short- and long-term initiatives and business strategies.

ClickUp Business Continuity Plan Template

In business, unexpected threats to operations can arise at any moment. Whether it’s economic turbulence, a global health crisis, or supply chain interruptions, every company needs to be ready. ClickUp’s Business Continuity Plan Template lets you prepare proactively for these unforeseen challenges.

The template organizes tasks into three main categories:

  • Priorities: Tasks that need immediate attention
  • Continuity coverage: Tasks that must continue despite challenges
  • Guiding principles: Resources and protocols to ensure smooth operations

The Board view makes it easy to visualize all the tasks under each of these categories. And the Priorities List sorts tasks by those that are overdue, the upcoming ones, and then the ones due later.

In times of uncertainty, being prepared is your best strategy. This template helps your business not just survive but thrive in challenging situations, keeping your customers, employees, and investors satisfied. 🤝

ClickUp Lean Business Plan Template

Looking to execute your business plan the “lean” way? Use ClickUp’s Lean Business Plan Template . It’s designed to help you optimize resource usage and cut unnecessary steps—giving you better results with less effort.

In the Plan Summary List view, list all the tasks that need to get done. Add specific details like who’s doing each task, when it’s due, and which part of the Business Model Canvas (BMC) it falls under. The By Priority view sorts this list based on priorities like Urgent, High, Normal, and Low. This makes it easy to spot the most important tasks and tackle them first.

Additionally, the Board view gives you an overview of task progression from start to finish. And the BMC view rearranges these tasks based on the various BMC components. 

Each task can further be broken down into subtasks and multiple checklists to ensure all related action items are executed. ✔️

This template is an invaluable resource for startups and large enterprises looking to maximize process efficiencies and results in a streamlined and cost-effective way.

ClickUp Small Business Action Plan Template

The Small Business Action Plan Template by ClickUp is tailor-made for small businesses looking to transform their business ideas and goals into actionable steps and, eventually, into reality. 

It provides a simple and organized framework for creating, assigning, prioritizing, and tracking tasks. And in effect, it ensures that goals are not just set but achieved. Through the native dashboard and goal-setting features, you can monitor task progress and how they move you closer to achieving your goals.

Thanks to ClickUp’s robust communication features like chat, comments, and @mentions, it’s easy to get every team member on the same page and quickly address questions or concerns.

Use this action plan template to hit your business goals by streamlining your internal processes and aligning team efforts.

ClickUp Strategic Business Roadmap Template 

For larger businesses and scaling enterprises, getting different departments to work together toward a big goal can be challenging. The ClickUp Strategic Business Roadmap Template makes it easier by giving you a clear plan to follow.

This template is packaged in a folder and split into different lists for each department in your business, like Sales, Product, Marketing, and Enablement. This way, every team can focus on their tasks while collectively contributing to the bigger goal.

There are multiple viewing options available for team members. These include:

  • Progress Board: Visualize tasks that are on track, those at risk, and those behind
  • Gantt view: Get an overview of project timelines and dependencies
  • Team view: See what each team member is working on so you can balance workloads for maximum productivity

While this template may feel overwhelming at first, the getting started guide offers a step-by-step breakdown to help you navigate it with ease. And like all ClickUp templates, you can easily customize it to suit your business needs and preferences.

Microsoft Word Business Plan Template by Microsoft

Microsoft’s 20-page traditional business plan template simplifies the process of drafting comprehensive business plans. It’s made up of different sections, including:

  • Executive summary : Highlights, objectives, mission statement, and keys to success
  • Description of business: Company ownership and legal structure, hours of operation, products and services, suppliers, financial plans, etc.
  • Marketing: Market analysis, market segmentation, competition, and pricing
  • Appendix: Start-up expenses, cash flow statements, income statements, sales forecast, milestones, break-even analysis, etc.

The table of contents makes it easy to move to different sections of the document. And the text placeholders under each section provide clarity on the specific details required—making the process easier for users who may not be familiar with certain business terminology.

Excel Business Plan Template by Vertex42

No business template roundup is complete without an Excel template. This business plan template lets you work on your business financials in Excel. It comes with customizable tables, formulas, and charts to help you look at the following areas:

  • Highlight charts
  • Market analysis
  • Start-up assets and expenses
  • Sales forecasts
  • Profit and loss
  • Balance sheet
  • Cash flow projections
  • Break-even analysis

This Excel template is especially useful when you want to create a clear and visual financial section for your business plan document—an essential element for attracting investors and lenders. However, there might be a steep learning curve to using this template if you’re not familiar with business financial planning and using Excel.

Try a Free Business Plan Template in ClickUp

Launching and running a successful business requires a well-thought-out and carefully crafted business plan. However, the business planning process doesn’t have to be complicated, boring, or take up too much time. Use any of the above 10 free business plan formats to simplify and speed up the process.

ClickUp templates go beyond offering a solid foundation to build your business plans. They come with extensive project management features to turn your vision into reality. And that’s not all— ClickUp’s template library offers over 1,000 additional templates to help manage various aspects of your business, from decision-making to product development to resource management .

Sign up for ClickUp’s Free Forever Plan today to fast-track your business’s growth! 🏆

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Business.govt.nz, cash flow forecasting.

Cash flow is king when you’re contracting, self-employed or running a successful small business. Here’s where you’ll find information on how to get it right.

Forecasting when money will come in and go out will help you plan for the future. Being able to predict peaks and troughs helps you avoid financial difficulties.

It’s also a vital business planning tool. Use cash flow forecasts to plan for expansion and growth without overstretching your resources.

What is a cash flow forecast?

A cash flow forecast is basically a cashbook that projects your, or your business’s income and outgoings for any given period in the future, for  example week, month, quarter or financial year.

For each period, it lists:

  • your projected starting account balance
  • your predicted income
  • your estimated outgoings, for example bills, salaries, raw materials
  • your projected ending account balance
  • any money left over.

It’s typically presented as a spreadsheet, but many contractors, sole traders and small businesses use accounting software and work with their accountants or bookkeepers to ensure greater accuracy. 

A cash flow forecast is only as valuable as the information and detail put into it.

Forecast your cash flow

Cash flow is an indicator of your business’s financial health. Forecasting your cash flow helps you have better conversations with your bank or advisor.

Look at sales cycles or other seasonal variations.

These will help you more accurately predict future ebbs and flows.

Predicting income

This needs careful thought. You’ll have to make an informed judgement call on how much income you think you’ll generate.

Include three variations of your predicted income:

  • A pessimistic estimate.
  • A realistic, or most likely, estimate.
  • An optimistic estimate.

You’ll be better prepared for different scenarios — and if you’re seeking capital, you can show investors and bank managers you’re not just planning for the best-case scenario.

Income isn’t just cash from sales.

It includes other sources of money, for example cash injections from bank loans, interest on savings and income from investments.

Predicting income for established businesses

Use your past financial data to help predict your future income.

Include any expected bumps or hits to your income, for example periods of growth and investment, marketing drives, or holiday periods.

Predicting income for new businesses

Those new to business won’t have long-term existing sales data to go on — but you can still make informed predictions using benchmarking data and expert advice.

  • Speak to an accountant with experience in your industry.
  • Use Stats New Zealand’s Annual Enterprise survey to get an idea of your potential sales.
  • Use Inland Revenue’s industry benchmark figures.
  • Use the Employee Cost Calculator.
  • Consider paying for expert assessments of the economic performance of your industry.
  • Get a mentor — or a director, if you have a board — with start-up experience to guide your predictions.

Annual enterprise survey (external link)  — Stats NZ

Industry benchmark figures (external link)  — Inland Revenue

Employee Cost Calculator

Predicting income for contractors

If you’re new to contracting, you may have trouble getting a feel for what rates to charge. You can find tips on how to do this on this website.

What to think about before you start contracting

Forecasting daily or weekly will keep your finger on the pulse of day-to-day business.

Longer forecasts will help plan strategic activities — and highlight if you need to step up sales or get more funding.

Estimating outgoings

The more detail, the better.

Drill into as many bills and expenses as possible, including everything from petty cash to winter heating bills.

If you’ve been in business for some time, look back over your past outgoings.

If you’re new to business or working as a sole trader or contractor, add up all the potential costs of getting started and your ongoing costs.

Speak to your accountant to make sure your list of outgoings is as definitive as possible.

Include any future cost changes, for example hiring new staff or paying off business loans.

How to use your forecasts.

Cash flow forecasts are an important tool for all stages of contracting, being a sole trader or in business.

You can use forecasts to:

  • avoid financial trouble
  • plan for future cash shortcomings
  • meet your tax obligations
  • plan asset purchases
  • plan for growth or expansion
  • make an informed decision on whether borrowing is right for you
  • benchmark your performance
  • test different strategic scenarios
  • figure out the best time to invoice
  • build your case for investment
  • forecast the cost of taking on more employees.

Test if you’re ready to grow

Borrowing money

Getting investors on board

Common mistakes

  • Not doing it — cash flow forecasting is an effective tool to prevent financial trouble.
  • Being overly optimistic when you’re predicting future income — to have any real merit, your predictions need to be honest and backed up by data.
  • Not documenting your current financial activities — your past income and expenditures will help you accurately predict your future cash flow.

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  • Cashflow management

User-friendly 3-year cash flow projection template for hassle-free forecasting

Arjun Ruparelia

A cash flow projection is a crucial tool for businesses to forecast their future financial health. With a 3-year cash flow projection template , a financial forecast can be made that estimates the anticipated inflows and outflows of cash for a business over a three-year period.

Estimating the inflows and outflows of cash over a 3-year timeline provides insights into the expected cash position of the company and helps in assessing its financial health and sustainability. Businesses can make informed decisions, plan for growth, and identify potential cash shortages based on such financial forecasts.

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What is a cash flow spreadsheet?

A cash flow spreadsheet, also called a cash flow statement projection, uses software like Excel or Google Sheets to track and analyse cash inflows and outflows.

The spreadsheet has columns for periods (e.g., months) and rows for cash flow categories. This tool allows input of actual and projected numbers, providing a visual representation of trends and aiding cash flow monitoring. It helps identify shortages/surpluses and informs financial decisions. Formulas automate calculations, generating summaries, charts, and graphs. Crucial for financial planning, budgeting, and forecasting, this spreadsheet streamlines the analysis and interpretation of cash flow data.

What is a projected 3-year cash flow?

A projected 3-year cash flow is a financial statement that outlines the anticipated cash inflows and outflows for a business over a specific three-year timeframe. It takes into account factors such as sales revenue, expenses, investments, loan repayments, and other sources. It uses cash to determine the net cash position at the end of each period.

Using a 3-year cash flow projection template, a projection is made, which serves as a tool for businesses to plan and make informed financial decisions.

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Purpose of a projected 3-year cash flow for businesses

The primary purpose of a projected 3-year cash flow is to provide a forward-looking view of a company's cash position. Estimating future cash flows helps businesses to :

Forecast financial health: A projected cash flow allows businesses to assess their financial health and solvency by identifying potential cash shortfalls or surpluses in advance.

Plan for growth: The forecasting helps in evaluating the financial feasibility of growth strategies, such as expanding operations, entering new markets, or investing in new products or services.

Identify financing needs: It enables businesses to determine if additional financings, such as loans or equity investments, will be required to cover anticipated cash deficits or support growth initiatives.

Make informed decisions: With a clear understanding of future cash flows, businesses can make informed decisions about expenditures, pricing strategies, cost management, and investment opportunities.

How to do yearly cash flow projection?

To create a yearly cash flow projection, follow these steps:

  • Set up spreadsheet: Organise categories, ensure systematic data entry and calculations.
  • Identify and estimate cash inflows: Consider sales revenue, receivables, interest income, etc.
  • Identify and estimate cash outflows: Categorise and estimate expenses like rent, payroll, and loans.
  • Calculate net cash flow: Subtract total outflows from inflows for surplus/deficit.
  • Calculate opening and closing balances: Consider the previous period's closing balance, and add net cash flow.
  • Review and adjust: Compare projection to actual data, and update for accuracy.
  • Monitor and update: Stay informed of changes in revenue, expenses, and market conditions.
  • Analyse and make decisions: Compare projections to goals, assess financial health, and make informed choices for cost management, investments, and strategies.

By forecasting future cash flows, businesses can proactively address potential financial challenges, plan for growth, and make informed decisions.

How to do triennial cash flow projections?

The process of creating a yearly cash flow projection is similar to that of a three-year cash flow projection. To create a projected 3-year cash flow, businesses gather historical financial data and use it as a basis for estimating future cash flows.

By analysing past trends and considering factors such as market conditions, sales forecasts, expense projections, and capital expenditure plans, businesses can build a comprehensive and realistic cash flow projection.

Step 1: Gather historical data

To begin, collect your company's historical financial statements, including balance sheets, income statements, and c ash flow statements for the past three years. This data will serve as a foundation for building your cash flow forecast.

Step 2: Identify cash inflows

List all potential sources of cash inflows , such as sales revenue, loans, investments, and other income streams. Analyse your historical data to determine the average amounts and timing of these inflows. Consider factors like seasonality, market trends, and any upcoming changes in your business operations that may affect cash inflows.

Step 3: Estimate cash outflows

Next, identify and categorise your expected cash outflows. This includes costs such as employee salaries, rent, utilities, raw materials, marketing expenses, loan repayments, and taxes. Again, refer to your historical financial data and account for any anticipated changes in costs, such as upcoming investments or cost-saving measures.

Step 4: Calculate net cash flow

By deducting the total cash outflows from the total cash inflows, you can calculate your net cash flow for each period. A cash flow positive indicates a surplus, while a negative value indicates a cash deficit. Be realistic and conservative in your estimations to ensure accuracy in your projection.

Step 5: Consider cash reserves and financing options

Assess your current cash reserves and determine if they are sufficient to cover any projected cash deficits .

Explore financing options such as bank loans, lines of credit, or equity investments to bridge the gap, if any. Incorporate these additional funds into your projection, including the associated costs and repayment terms.

Step 6: Review and refine

Regularly review and refine your cash flow projection as new information becomes available or circumstances change. Update your projection at least on a quarterly basis, comparing the actual results with your projections to identify any discrepancies or adjustments required.

What is a cash flow statement template?

A cash flow statement template is a tool used to present a business's cash inflows & outflows over a specific period. The template provides a structured format to organise and analyse cash flow information, allowing businesses and individuals to assess their liquidity, financial health, and cash management capabilities. It helps track the movement of cash throughout different activities, such as operating, investing, and financing activities.

A typical cash flow statement template consists of the following:

Opening Cash Balance: It represents the cash balance at the beginning of the period.

Cash Inflows: These include the sources of cash during the period, such as cash received from sales, interest income, dividends, or any other cash receipts.

Cash Outflows: These accounts for the cash payments made during the period, including expenses, purchases of assets, interest payments, taxes, and other operating costs.

Operating Activities: It summarises the cash flows related to the core operations of the business, such as revenue incurred from sales, payments made to suppliers, salaries & wages, and other operating expenses.

Investing Activities: It captures cash flows from investing activities, such as purchases or sales of property, plant, and equipment, investments in other businesses, or proceeds from the sale of investments.

Financing Activities: It records cash flows from financing activities, including proceeds from loans, issuance of stock, repayment of debt, or payment of dividends.

Net Cash Flow: It calculates the net increase or decrease in cash during the period by deducting the total cash outflows from the total cash inflows.

Closing Cash Balance: It shows the cash balance at the end of the period, which is calculated by adding the net cash flow to the opening cash balance.

Free 3-year Cash flow projection template for easy use

Benefits of using a 3-year cash flow projection template.

The benefits of using a 3-year cash flow projection template are:

  • Gain a comprehensive understanding of how future projects affect your business's financial performance.
  • Anticipate and plan for any potential cash shortfalls, allowing you to effectively strategise and manage your resources.
  • Proactively adjust and adapt to changes by utilising the insights from the 3-year projections.
  • Utilise the projections to outline and formulate growth and expansion strategies.
  • Perform variance analysis to compare and assess the variance between budgeted and actual cash flows.
  • Enhance your chances of securing bank loans and external financing by presenting a solid cash flow and forecast and demonstrating a strong repayment capacity.
  • Conduct accurate analysis of detailed scenarios, enabling you to make informed decisions.
  • Evaluate the impact of cost-saving measures on future cash flows and overall business valuations.

Creating a 3-year cash flow projection is an essential financial planning exercise for businesses. It is a valuable financial planning tool that helps businesses anticipate and manage their cash position.

By analysing historical data, estimating cash inflows and outflows, and considering potential financing options, you can gain valuable insights into your company's financial future.

Regularly updating and revising the projection based on actual results and changing circumstances allows businesses to stay on top of their financial situation and ensure long-term sustainability.

A 3-year cash flow forecast is crucial for long-term cash planning. How can you manage your cash flow better? Agicap is a cash management software that allows you to manage your business effectively. Try it out for free!

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About the cash flow forecasting template

A cash flow forecast is the most important business tool for every business. The forecast will tell you if your business will have enough cash to run the business or pay to expand it. It will also show you when more cash is going out of the business than in.

Our cash flow forecasting template is an Excel spreadsheet that you can use to forecast and record cash flow. The worksheet will update your figures as you type.

The template has 4 tabs:

  • example cash flow worksheet
  • details estimated cash flow
  • summary estimate cash flow
  • estimated versus actual results

This template is adopted from business.gov.au. © Commonwealth of Australia 2020.

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business plan cash flow forecast template

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Write a business plan

Download free business plan templates and find help and advice on how to write your business plan.

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Download a free business plan template on The Prince’s Trust website.

You can also download a free cash flow forecast template or a business plan template on the Start Up Loans website to help you manage your finances.

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Why you need a business plan

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A business plan helps you to:

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You’ll need a business plan if you want to secure investment or a loan from a bank. Read about the finance options available for businesses on the Business Finance Guide website.

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Liquidity Forecasting

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Forecast your cash flow with ease

What is liquidity forecasting template.

Managing cash flow is crucial for any business to ensure financial stability and growth. Our liquidity forecasting template allows you to track your opening balance, expected inflow, expected outflow, net cash flow, cumulative net cash flow, closing balance, and add notes for each day. With this template, you can easily visualize and plan your cash flow projections for the upcoming days.

business plan cash flow forecast template

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Who is this Liquidity Forecasting Template for?

Whether you are a small business owner, a financial analyst, a startup founder, or a finance manager, this template is designed to help you gain insights into your cash flow and make informed decisions. It is perfect for those who want to have a clear overview of their daily financial position and plan ahead to ensure financial stability.

Why use this Liquidity Forecasting Template?

1. Gain insights. By using this template, you can easily track your cash flow trends, identify potential cash shortages or surpluses, and make informed decisions to optimize your financial resources.

2. Plan ahead. With the ability to forecast your cash flow for the upcoming days, you can proactively manage your finances, anticipate any cash flow gaps, and take necessary actions to mitigate risks.

3. Improve financial stability. By having a clear understanding of your cash flow projections, you can ensure that your business has enough liquidity to cover expenses, invest in growth opportunities, and weather any financial challenges.

Get Started with Liquidity Forecasting Template.

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1. Click 'Use this template' on the top right corner to sign up for Lark

2. After signing up for Lark, you will be directed to the Liquidity Forecasting on Lark Base. Click 'Use This Template' on the top right corner of Lark Base to copy a version of the Liquidity Forecasting to your workspace.

3. Change fields of the template to fit your needs

4. Take advantage of the full potential of this Liquidity Forecasting.

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Customer Engagement

Analyze customer engagement levels and feedback scores.

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VIP Customer Care

Enhance customer care programs for vip clients, customer referral programs, track your customer referrals with ease, customer reward systems, analyze customer reward system data for better marketing strategies, cross-selling and upselling, maximize revenue with cross-selling and upselling strategies.

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Customer Support Ticket Management

Efficiently manage customer support tickets with ease.

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Client Meeting Scheduling

Efficiently schedule and manage client meetings with ease, customer data privacy management, manage customer data privacy compliance and consent status.

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Digital Customer Engagement

Optimize your digital customer engagement with ease.

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Customer Payment Preferences

Manage customer payment preferences with ease.

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Client Exit Interviews

Gather feedback from exiting clients to improve customer satisfaction.

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Phishing Attack Prevention

Track and manage phishing attack incidents, fraud prevention training, track employee fraud prevention training progress, fraud risk assessment, assess and mitigate fraud risks effectively with this comprehensive matrix.

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Biometric Fraud Prevention

Track and manage biometric fraud cases efficiently, atm fraud transactions, track atm transactions for fraud detection and investigation, e-commerce fraud, analyze e-commerce fraud indicators and take appropriate actions, anti-fraud workflow management, streamline your anti-fraud workflow with ease, fraud notification systems, streamline your audit process with ease.

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Counterfeit Product Detection

Track counterfeit product reports and actions taken, fraud detection technology, streamline your fraud detection technology updates with ease.

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Fraud Awareness Campaigns

Track and analyze your fraud awareness campaign metrics, fraud mitigation training effectiveness, enhance fraud mitigation training effectiveness with data-driven insights, forensic audits, track user actions and outcomes in real-time, fraud impact on financials, analyze financial impact of fraud incidents.

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Security Breach Follow-Up

Track and manage security breach incidents and follow-up actions.

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Fraud Risk Profiling

Manage and mitigate fraud risks effectively, loss prevention strategies, implement effective loss prevention strategies for your business.

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Point of Sale Fraud Management

Detect and prevent fraudulent transactions in real-time, fraud detection compliance, streamline your fraud detection compliance reports with ease, sales targets, track and analyze sales team performance against targets.

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Supply Chain Reliability

Analyze supplier performance and risk levels for better decision-making.

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Quality Control Strategies

Track product quality control statistics with ease.

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HR Compliance

Streamline your hr compliance reporting with ease, client satisfaction, track client satisfaction indices and feedback for follow-up actions.

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Corporate Social Responsibility

Track and showcase your corporate social responsibility initiatives outcomes.

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Energy Consumption

Track and analyze energy consumption data for efficient resource management, customer retention, analyze customer retention rates and reasons for leaving, investment portfolio management, track your investment portfolio returns and performance.

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Employee Turnover and Retention

Analyze employee turnover and retention rates with ease, procurement performance, track and optimize your procurement performance metrics, business continuity readiness, ensure your critical functions are ready for any disruption, product development, track your product development milestones and tasks with ease.

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Competitive Benchmarking

Analyze your company's performance against competitors in key metrics, change management effectiveness, enhance your change management effectiveness with this template.

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Liabilities Template

Track your liabilities and payments with ease, capital and operating leases, track your capital and operating leases with ease, deferred tax liabilities assessment, manage your deferred tax liabilities with ease, equity asset management, efficiently manage your equity assets with real-time tracking and analysis.

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Liability Consolidation

Consolidate all your liabilities in one place for better financial management.

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Impairment Testing

Track and analyze impairment test results for patients, collateral assets, track and manage your collateral assets with ease.

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Asset Finance Assessment

Manage your asset finance agreements with ease, liability management strategies, optimize your liability management strategies with ease, asset retirement obligations, track and manage asset retirement obligations with ease.

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Warranty Reserves

Track warranty claims and reserves for products.

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Angel Investments

Track your angel investments and portfolio performance, green energy investments, track your green energy investments with ease.

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Start-Up Investments

Track your startup investments and outcomes, exchange-traded funds (etfs), analyze and compare exchange-traded funds (etfs) for investment decisions, foreign investments, track and report foreign investments with ease.

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Sustainable and Responsible Investments

Track your sustainable and responsible investments with ease.

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Liquidity Events

Plan your liquidity events with ease.

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Capital Gains

Track your capital gains and losses for various assets.

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High-Net-Worth Individual (HNWI) Investments

Track your high-net-worth individual investments with ease.

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Economic Impact of Investments

Analyze the economic impact of investments across sectors, mergers and acquisitions investments, integrate your mergers and acquisitions seamlessly.

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Currency Exposure Management

Manage currency exposure with ease, track investment decisions and action items from committee meetings.

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Compliance Monitoring

Track and manage compliance requirements across different areas, anti-money laundering (aml) compliance, streamline your aml compliance process with ease, know your customer (kyc) compliance, streamline your kyc compliance process with ease, insider trading surveillance, track insider trading activities with ease, esg (environmental, social, and governance) compliance, track and report on your esg performance metrics, consumer financial protection bureau (cfpb) compliance, track and manage consumer complaints and compliance actions, liquidity coverage ratio (lcr) compliance, optimize your liquidity coverage ratio reporting with ease, operational risk management, manage and mitigate operational risks effectively, compliance audit documentation, streamline your compliance audit documentation process, transaction documentation, data privacy audit, track and manage data privacy audit findings and actions.

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Market Conduct Compliance

Ensure compliance with data protection, anti-money laundering, employee conduct, health and safety, product safety, insider trading, fair competition, and licensing requirements.

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Financial Assessments

Analyze your financial performance with ease.

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Track and manage conflict of interest declarations within your organization

Trading compliance, track trading compliance logs and ensure regulatory adherence.

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Regulatory Interview Documentation

Streamline your interview documentation process, risk management compliance, manage and mitigate risks with ease.

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Legal Case Management for Compliance

Efficiently manage legal cases related to compliance issues.

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Export Control Compliance

Ensure export control compliance with ease.

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Whistleblower Case Management

Efficiently manage whistleblower cases with ease, cash management strategies, optimize your cash management strategies with these templates.

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Financial Hedging Techniques

Explore different financial hedging techniques to manage risk effectively, interest rate management, manage interest rates for various financial products and institutions, foreign exchange management, manage foreign exchange transactions with ease, bank relationship management, manage your bank relationships with ease, electronic funds transfer management, effortlessly track and manage electronic fund transfers.

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Treasury Operations

Streamline your treasury operations audit process, liquidity reserves management, optimize your liquidity reserves management with real-time data analysis.

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Corporate Financing Strategies

Explore various corporate financing strategies for your business growth.

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Asset and Liability Management

Optimize your asset and liability matching strategy for financial stability, treasury technology management, optimize your treasury operations with ease, bank fee management, analyze and track bank fees for different account types and fee types, treasury security, enhance your security measures with detailed protocols and reviews, treasury training programs, optimize your treasury training programs with ease.

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Guarantees and Letters of Credit Management

Manage guarantees and letters of credit efficiently, debt issuance, track and manage debt issuances with ease, treasury cost savings initiatives, optimize your cost savings initiatives with ease, cash handling procedures, establish and manage cash handling policies for your organization, treasury data management, track your financial transactions and investments with ease, investment policy compliance, ensure compliance with investment policies and regulations.

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Suspicious Activity Reports

Report and track suspicious activities in your workplace, anti-money laundering (aml) case management, track and manage anti-money laundering (aml) cases efficiently.

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Compliance Checks for High-Risk Clients

Track compliance status and risk levels for high-risk customers, cross-border funds management, monitor cross-border funds transactions with ease, financial intelligence unit management, streamline your financial intelligence unit reporting process.

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Board Meeting Minutes

Keep track of meeting details, attendees, discussions, and action items, corporate social responsibility (csr) initiatives, track and manage your corporate social responsibility initiatives with ease, governance risk management, manage governance risk with ease, shareholder engagement, efficiently manage shareholder engagement reports and action items.

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Corporate Transparency

Evaluate corporate transparency across industries and countries, legal compliance, streamline your legal compliance reporting with ease, customer complaint handling, efficiently manage customer complaints and resolutions, client interaction management, keep track of client interactions and follow-up actions.

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Customer Onboarding Experience

Evaluate and improve customer onboarding experience.

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Service Improvement Projects

Track project tasks, deadlines, and progress with ease.

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Multi-Channel Customer Support

Track and manage customer support inquiries across multiple channels, client lifecycle value, analyze client lifecycle value and churn status, financial forecasting, visualize and track your financial forecast with ease, cost-benefit analysis, analyze the costs and benefits of software upgrades and investments, financial scenario planning, plan your financial scenarios with ease, financial leverage ratios compliance, calculate financial leverage ratios for better decision-making, plan your long-term financial goals and track your progress over the years, customer portal update log for web development, keep track of your portal updates with ease, legacy system upgrade log for it staff, track system upgrades and maintenance activities with ease.

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Technical Debt Tracker for Engineering

Track and manage technical debt in your engineering projects.

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Application Scaling Strategy for Cloud Operations

Optimize your application scaling strategy for cloud engineers.

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Software Training Program Outline for New Employees

Create a comprehensive software training program outline for trainers.

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Third-Party Integration Log for System Integration

Track and manage third-party integrations for seamless operations, feature roadmap and timeline for product strategy, plan your feature roadmap and timeline with ease, software budget forecast for financial planning, optimize your software budget forecast for financial planners, change management record for project management, track and manage change requests for project leads, build failure log for build engineers, track and resolve build failures efficiently.

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Developer Onboarding Checklist for HR

Streamline the onboarding process for new developers, patch management schedule for it operations, manage your software patch updates with ease, developer onboarding checklist for hr coordination.

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Employee Exit Interview Form for Technical Staff

Collect feedback from exiting employees in tech companies, tech job description template for hiring managers, craft detailed job descriptions for tech roles with ease, candidate interview scorecard for technical positions, evaluate candidates for technical roles with a comprehensive scorecard.

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Remote Work Policy Compliance Tracker

Track and manage employee compliance with remote work policies, salary benchmarking report for talent management, compare base salary, bonus, and total compensation for various tech roles in different locations, employee equipment allocation log for it, track employee equipment allocation and condition changes, layoff and severance tracker for hr management, track employee terminations, severance packages, and outplacement services offered, tech workforce planning tool for strategy, optimize your tech workforce planning with strategic hr tools.

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Recruitment Pipeline Dashboard for Talent Acquisition

Streamline your recruitment process with a comprehensive pipeline dashboard.

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Tech Team Building Event Planner

Plan your tech team building event with ease, staff training needs assessment for training coordination, identify and address employee training needs efficiently, tech staff promotion tracker for hr department, track employee promotions and eligibility for future promotions.

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IT Certification Tracking for Employee Development

Track employee it certifications for professional development, technical interview question bank for recruiters, create a technical interview question bank for recruiters, workforce capacity utilization report, track employee work hours, projects, and performance metrics, tech mentorship program details for participants, tech mentorship program details for participants, remote access equipment log for it management, track remote access equipment assignments and status, tech employee onboarding experience survey, enhance your employee onboarding experience with data-driven insights.

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Probation Period Review Form for HR

Streamline your probation period reviews for new hires, tech staff skill inventory database for resource management, efficiently manage your tech staff skill inventory for resource planning, employee non-compete agreement tracker, track employee non-compete agreements for legal compliance.

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Job Candidate Evaluation Form for Technical Interviews

Evaluate job candidates for technical interviews, performance bonus allocation spreadsheet for hr, allocate performance bonuses for finance team members based on their performance and eligibility.

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Employee Retirement Planning Guide for HR

Create personalized retirement plans for employees based on their financial goals and current savings, tech project budget overview, track your project budget and expenses with ease, cost-benefit analysis for software implementation, analyze the cost and benefits of software implementations.

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IT Project Funding Request Form

Streamline your it project funding requests with ease, technology r&d expense report, track your technology r&d expenses with ease, quarterly it expenditure report, track your it expenses and budget allocation quarterly, cloud computing cost analysis, analyze cloud computing costs with ease, financial forecast for tech products, forecast financials for tech product launches, saas pricing model calculation, optimize your saas pricing strategy with ease.

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Venture Capital Pitch Budget

Plan your venture capital pitch budget with ease, cost allocation model for it services, allocate costs for it services efficiently, financial risk assessment for tech projects, assess and manage financial risks for tech projects, financial planning for ai development, track your ai development project finances with ease, software license cost analysis, track software license costs and details efficiently, it security budget planning, track your it security expenses and budget allocations.

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Tech Workshop Financial Overview

Effortlessly manage your workshop finances and track income sources, revenue stream analysis for tech businesses, analyze revenue streams for tech companies with ease, expense reimbursement form for employees, streamline your expense reimbursement process for it staff, operational expenditure (opex) report, track and manage operational expenses for it projects, technology consulting fee structure, track technology consulting fees and project details, financial compliance checklist for tech, stay compliant with financial regulations and avoid penalties, tech support incident log, track and manage tech support incidents with ease.

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IT Service Level Agreement (SLA) Template

Track and manage it service level agreements with ease, tech product warranty policy, keep track of your tech product warranties with ease, mobile app support ticket log, efficiently manage support tickets for your mobile app.

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IT Support Call Tracking Sheet

Efficiently manage it support tickets and resolutions, tech support cost analysis, analyze tech support costs with ease, third-party service provider evaluation, evaluate third-party service providers with ease.

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IT Incident Record Book

Create an it incident recovery plan with ease, end-user it support survey, resolve common it issues with ease, system backup procedure manual, efficiently track system backups with detailed logs, it support outsourcing agreement, track it support outsourcing agreements with ease.

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Client IT Infrastructure Setup Plan

Streamline your it infrastructure setup process with ease, tech support workflow diagram, streamline your tech support workflow with ease.

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IT Help Desk Ticket Prioritization Guidelines

Prioritize it help desk tickets efficiently, technology help desk faqs document, get quick answers to common technology questions with our faq template, service ticket lifecycle management, track and manage service tickets efficiently, client technology setup approval form, streamline client technology setup approvals with ease.

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IT Support Team Shift Schedule

Efficiently manage it support team shift schedules.

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Technology End-Of-Life Support Plan

Create an end-of-life support plan for technology products.

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Remote IT Assistance Guidelines

Track and manage it support tickets efficiently, technology transition support plan, streamline your technology transition process with ease, it support team budget analysis, track your it support team budget allocation and expenses, phishing attack report log for cybersecurity operations, track and manage phishing incident reports for cybersecurity operations, security patch implementation tracker for it departments, track and manage security patch implementation across various systems, data breach response plan for security teams, efficiently manage data breach incidents with a structured response plan, intrusion detection system log for it security, analyze and track security alerts from your intrusion detection system, information security policy compliance checklist, track compliance with information security policies.

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Cybersecurity Insurance Coverage Plan

Manage cybersecurity insurance claims with ease, user privilege audit report for it management, manage user privileges and access levels efficiently.

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Security Device Maintenance Log

Keep track of security device maintenance and resolutions, it security vendor assessment, assess and manage it security vendors with ease, third-party security review checklist, ensure compliance and security with third-party vendors, cybersecurity budget planner, track cybersecurity expenses and budget variances with ease, security incident severity analysis, analyze security incident severity levels and impacts, cloud security configuration checklist, ensure compliance with cloud security best practices, security awareness campaign planner, track and manage your security awareness campaigns with ease.

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Ransomware Response Checklist for IT

Respond effectively to a ransomware attack with this comprehensive checklist.

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Digital Forensics Investigation Protocol

Streamline your digital forensics investigations with ease, network access logs for security monitoring, track user access and actions for security audits, security certification tracker for compliance, track employee security certifications for compliance, penetration testing schedule for it security, schedule your penetration testing sessions with ease, secure code review checklist for developers, ensure secure coding practices with this checklist for developers, vpn usage report for network security, track user login and logout activities for network security, security compliance certification log, track and manage security compliance certifications efficiently, remote work security policy, enhance your remote work security procedures with ease, cybersecurity kpi dashboard for it management, track your cybersecurity kpis and take action to improve security measures, cybersecurity policy update log, track and manage cybersecurity policy updates with ease, identity and access management review, manage user access and compliance with ease, insider threat detection strategy, create an insider threat detection report with ease.

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Security Architecture Review for IT Systems

Review and assess security architecture for it projects, data quality audit checklist for tech departments, ensure data accuracy, completeness, consistency, timeliness, validity, integrity, uniqueness, and accessibility with this data quality audit checklist, big data project tracker for data science teams, track and manage big data projects for data scientists, data integration workflow for it, streamline your data integration workflow for it teams.

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Customer Data Analysis Report for Marketing

Analyze customer data to optimize marketing strategies, data governance policy compliance, track and manage data governance policy compliance.

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Machine Learning Model Performance Review

Track and analyze machine learning model performance.

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Database Migration Schedule for IT Operations

Streamline your database migration process with ease, real-time analytics dashboard for executives, track your e-commerce performance in real-time with this analytics dashboard.

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Business Intelligence Report for Strategic Decisions

Create insightful business intelligence reports for strategic decision-making, predictive analytics implementation plan, optimize your predictive analytics models with ease, cloud data management checklist, ensure data security and compliance with this cloud data management checklist, unstructured data handling protocol, streamline your unstructured data handling procedures.

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Master Data Management Strategy

Manage customer, product, and supplier data with ease, data quality metrics dashboard for analysts, monitor and improve data quality metrics for better decision-making, customer segmentation analysis, segment your customers based on demographics and behavior, third-party data sharing agreement, manage third-party data sharing agreements with ease, business data insights report for executives, analyze key business metrics and insights for executive decision-making, data security protocol for tech, ensure data security with comprehensive protocols for tech teams.

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Web Analytics Integration Strategy

Streamline your web analytics integration process with ease, big data procurement plan for it, streamline your it procurement process for big data projects, database performance report for database administrators, monitor and analyze database performance metrics for efficient operations, data science project budget template, manage your data science project budget with ease.

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Real-Time Data Streaming Management

Monitor real-time data streams with ease, online data collection methods, streamline your online data collection strategy with ease, tech product launch plan for marketing team, plan your product launches with ease.

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Digital Marketing Campaign Tracker for Tech Products

Track and analyze digital marketing campaigns for tech brands.

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Social Media Analytics for Tech Brands

Analyze social media performance for tech products with ease, email marketing performance dashboard for digital marketing, analyze your email marketing performance with ease, influencer partnership tracker for tech products, track influencer partnerships for tech promotions, tech product review collection strategy, collect and analyze tech product reviews for insights, roi analysis for tech advertising, analyze the roi of your tech ad campaigns with ease.

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Content Calendar for Tech Marketing

Plan your content calendar for tech blogs with ease, seo keyword tracker for tech websites, track your seo keywords for tech websites with ease.

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PPC Campaign Optimization Sheet for Online Advertising

Optimize your ppc campaigns for maximum roi, customer journey map for tech product users, map out the customer journey for tech shoppers, tech webinar planning guide, plan and organize tech webinars with ease, online event audience feedback collection, collect feedback from event attendees and analyze satisfaction levels.

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Tech Product Video Marketing Strategy

Create a comprehensive video marketing schedule for a tech product launch.

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Social Media Content Plan for Tech Companies

Plan your social media content for tech product launches with ease.

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Tech Product Positioning Strategy

Compare tech products based on performance, value, and market segment.

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Customer Persona Template for Tech Marketing

Create detailed customer personas for tech markets.

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Tech Branding Guidelines Document

Ensure consistent branding across all materials with our tech branding guidelines checklist, marketing lead scoring system, automate your lead scoring process with ease.

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Digital Asset Management for Marketing

Organize and manage your digital assets for marketing campaigns, multi-channel marketing report for tech products, track your multi-channel marketing performance for tech products, marketing automation workflow setup, automate your marketing workflow for tech companies, public relations impact report for tech companies, analyze the impact of pr activities on web traffic and sales for tech companies, tech product catalogue update procedure, track and manage updates to your tech product catalogue, user feedback survey for tech products, collect and analyze user feedback for tech products, brand awareness survey for tech enterprises, analyze brand awareness survey data for tech enterprises, sponsorship effectiveness analysis for tech events, analyze the effectiveness of sponsorships for tech events, paid media budget tracking for digital campaigns, track your paid media budget for tech ads efficiently, customer advocacy program sheet for tech companies, manage your customer advocacy program for tech services with ease.

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YouTube Analytics for Tech Channel

Analyze your youtube channel performance with detailed insights, organic traffic report for tech websites, optimize your organic traffic with data-driven insights, compliance tracking spreadsheet for tech regulations, track compliance with tech regulations across regions, patent filing tracker for tech innovations, track patent filings for tech innovations with ease, legal document repository for tech companies, organize and manage legal documents for your tech startup, gdpr compliance checklist for data protection, ensure gdpr compliance with this comprehensive checklist for data officers, technology licensing agreement template, create a comprehensive technology licensing agreement with ease, it security policy compliance document, ensure it security policy compliance with ease, vendor compliance evaluation for tech projects, track vendor compliance evaluations and upcoming reviews, software compliance audit checklist, track software compliance audit results and actions needed, export control compliance for tech products, manage export control compliance for tech products, legal hold procedure guide for tech litigation, streamline your legal hold process for tech litigations, regulatory change management for tech, manage regulatory changes for tech firms with ease, intellectual property portfolio management, review and manage your intellectual property portfolio efficiently, tech product liability analysis, assess and mitigate potential risks in tech product development, legal review for tech marketing campaigns, streamline your marketing material approval process, environmental compliance report for tech manufacturing, track environmental compliance checks and corrective actions for manufacturing facilities, anti-bribery compliance checklist for tech sector, ensure compliance with anti-bribery regulations in tech deals.

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Daily Sales Tracker Template For F&B Store Managers

Track daily sales, transactions, top-selling items, and more for your f&b store.

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Weekly Sales Summary Dashboard For Restaurant Owners

Track your restaurant's weekly sales performance and key metrics.

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Comprehensive Shift Scheduling Tool For Shift Supervisors

Efficiently schedule employee shifts with customizable preferences and notes, shift swap request form template for restaurants, efficiently manage shift swaps for restaurant staff.

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Morning Opening Routine Checklist For Store Operations

Streamline your morning opening routine checklist for store operations managers.

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Weekly Supplier Order Form For Procurement Officers

Efficiently manage weekly supplier orders with ease, maintenance service request form for facility managers, track maintenance service requests for different facilities.

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Quick Incident Reporting Form For Safety Managers

Efficiently report workplace incidents with a quick form, streamlined customer complaint log for customer service managers, streamline customer complaint management for better customer service.

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Reservation Management System Template For Hosts And Guests

Efficiently manage reservations for your restaurant or event space, special event booking form for event coordinators, streamline your event planning process with a comprehensive booking form.

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Customizable Catering Request Form For Catering Businesses

Customize your catering request form for seamless event planning, efficient delivery log sheet for delivery coordinators, efficiently track and manage delivery details for your logistics operations.

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Takeout Order Tracking System

Track and manage takeout orders efficiently.

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Dynamic Waitlist Management Template For Receptionists

Efficiently manage customer waitlists and reservations for reception managers.

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Smart Table Management System For Restaurants

Efficiently manage restaurant reservations and seating arrangements.

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Tip Distribution Calculation Sheet For Payroll Staff

Efficiently calculate and distribute tips for payroll specialists.

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Gift Certificate Management System For Sales Managers

Manage gift certificates for sales managers with ease, promotion approval request form for marketing managers, streamline your promotion approval process for marketing managers, marketing promotion tracking template for marketing departments, track and analyze marketing promotions for targeted audiences across various channels, detailed loss prevention checklist for security managers, ensure compliance and security with a detailed loss prevention checklist, breakage and spillage log template for quality assurance teams, track and manage breakage and spillage incidents in your workplace, emergency contact directory for hr departments, organize employee emergency contact information for hr managers, interactive customer feedback form for service quality managers, interactive customer feedback form for service quality managers, parking coordination planner for valet services, efficiently manage valet parking services with a comprehensive planner, public transport access guide for location staff, optimize public transport accessibility for strategic locations.

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Local Business Partnership Log For Business Development Managers

Track and manage your local business partnerships with ease, in-depth market analysis template for market analysts, conduct a comprehensive market analysis for various industries.

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Supplier Contact List Template For Procurement Departments

Efficiently manage supplier contact information for procurement managers.

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Monthly Price Comparison Chart For Cost Analysts

Analyze monthly price changes for various products and services.

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Bulk Order Discount Inquiry Form For Purchasing Departments

Streamline your bulk order discount inquiries with ease, return policy tracker for customer service departments, track and manage customer return requests efficiently.

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Inventory Accuracy Check Sheet For Audit Teams

Track and manage inventory accuracy for audit officers.

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Import Duty Calculator For Import Managers

Calculate import duties and taxes for your international shipments, ethical sourcing guidelines for ethical procurement departments, evaluate suppliers based on labor practices, environmental practices, safety standards, and fair trade certifications, vegan product checklist for menu developers, create a checklist for vegan menu development, halal certification tracker for compliance officers, track and manage halal certification status for food products, fair trade product list for social responsibility departments, create a fair trade product list for social responsibility managers, seasonal recipe adjustments planner for chefs, customize seasonal recipes with alternative ingredients and adjustments, special event supply list for event planners, track your event supplies and orders with ease, out-of-stock alternatives guide for sales teams, guide for sales managers on out-of-stock alternatives, new product request form for product development teams, streamline your new product request process for development managers, payment terms agreement template for accounts receivable departments, streamline your payment terms agreements with ease, customer satisfaction survey for marketing departments, gather customer feedback and improve satisfaction levels, birthday club signup form for marketing specialists, create a birthday club signup form for marketing specialists, anniversary promotions planner for event coordinators, plan your promotional activities with ease for upcoming events.

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Seasonal Promotions Calendar For Marketing Departments

Plan your seasonal promotions with ease.

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Influencer Partnership Tracker For PR Teams

Track influencer partnerships and performance metrics, customer loyalty points tracker for loyalty program managers, track customer loyalty points and manage loyalty program data efficiently, event feedback form for event coordinators, collect and analyze event feedback for continuous improvement, marketing budget planner for financial managers, track and optimize your marketing budget for financial planning services, public relations activity log for pr coordinators, track and manage your public relations activities with ease, customer segmentation grid for marketing departments, segment your customers based on demographics and purchase behavior, promotional campaign planner for campaign managers, plan and manage your promotional campaigns with ease, loyalty program effectiveness tracker for marketing staff, track the effectiveness of your loyalty programs for marketing strategists, marketing campaign roi calculator for marketing departments, analyze your marketing campaign roi with ease, online ordering feedback form for e-commerce teams, collect and analyze customer feedback for online orders, marketing channel efficiency analyzer for channel managers, analyze marketing channel efficiency for channel managers, lead generation form for sales leads managers, streamline your lead generation process with our form template.

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Media Coverage Tracker For Media Relations Departments

Track media coverage and analyze impact for your company, trade show planning checklist for event organizers, streamline your trade show planning process with this comprehensive checklist, competitor promotional analysis for strategic managers, analyze competitor promotions for strategic planning, local marketing initiative proposal for local store managers, create and manage local marketing initiatives for your store, influencer content brief for marketing coordinators, streamline your influencer marketing campaigns with ease, vip customer event invitation for vip relations managers, manage vip customer event invitations and follow-ups with ease.

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Seasonal Email Campaign Template For Email Campaign Managers

Create engaging seasonal email campaigns for different target audiences.

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Customer Retention Analysis Tool For Business Analysts

Understand customer retention and loss reasons with data analysis, marketing material inventory list for marketing material coordinators, manage your marketing material inventory with ease.

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Brand Positioning Worksheet For Brand Strategists

Create a brand positioning worksheet for brand strategists, crisis communication plan for crisis managers, create a crisis communication plan for various crisis scenarios, event sponsorship evaluation form for sponsorship coordinators, evaluate event sponsorships for optimal roi, marketing compliance checklist for compliance departments, ensure marketing compliance with ease, digital presence audit for digital strategists, audit your digital presence across various channels and optimize for better engagement, content marketing strategy planner for content managers, plan your content marketing strategy with ease, interview evaluation form for hiring teams, evaluate candidates for various positions with ease, time off request form for department managers, streamline time-off requests for department heads with ease, work injury report form for safety departments, streamline work injury reporting and management for safety managers, employee exit interview form for hr specialists, streamline your employee exit interview process with this form for hr specialists, labor cost analysis report for financial analysts, analyze labor costs for different departments and positions, payroll calculator for payroll departments, automate your payroll calculations with ease, incident report form for security departments, streamline incident reporting for security officers, staff contact directory for office managers, organize your staff contact information with ease.

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Team Building Activity Planner For Team Coordinators

Plan engaging team bonding events with ease.

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Mentorship Program Outline For Mentoring Coordinators

Plan and execute a comprehensive mentorship program for mentoring coordinators.

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Employee Wellness Program Template For Wellness Managers

Track employee participation and progress in wellness programs, hr policy update notice for all departments, inform employees about recent updates to hr policies, retirement planning worksheet for financial planners, plan your retirement with ease, diversity and inclusion training schedule for diversity managers, plan your diversity and inclusion training schedule with ease, employee feedback collection form for feedback teams, collect and analyze employee feedback for actionable insights, non-disclosure agreement for hr departments, create a comprehensive non-disclosure agreement for hr managers, employee referral form for recruitment teams, streamline your employee referral process for recruitment managers, job offer letter template for hiring managers, streamline your hiring process with customizable job offer letters, employee of the month voting form for team members, recognize outstanding team members with an employee of the month voting form, hr incident log for incident coordinators, track and manage workplace incidents with ease.

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Daily Kitchen Sanitation Checklist For Sanitation Supervisors

Ensure cleanliness and safety in your kitchen with this daily sanitation checklist, monthly pest control log for facility managers, track and manage pest control activities in your facility with ease.

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Food Storage Guidelines Poster For Kitchen Managers

Keep your kitchen organized and safe with proper food storage guidelines, cross-contamination prevention checklist for food safety teams, ensure food safety and compliance with a cross-contamination prevention checklist for chefs.

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Cook-Off Evaluation Form For Executive Chefs

Evaluate executive chefs in a cook-off competition.

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Customer Allergy Alert Form For Waitstaff

Create a customer allergy alert form for wait staff.

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Corrective Action Report For Quality Incidents For Quality Assurance Departments

Track and manage quality incidents with ease, product quality review for product managers, track and manage product quality metrics and customer satisfaction ratings.

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Ingredient Specification Sheet For Purchasing Departments

Streamline your ingredient procurement process with detailed specifications, final product release checklist for production managers, ensure a smooth final product release process with this comprehensive checklist for production managers.

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Temperature Logs For Refrigeration Units For Maintenance Teams

Track and manage temperature logs for refrigeration units maintenance, loan repayment tracker for credit managers, track loan repayments and client details efficiently.

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Credit Card Reconciliation Sheet For Accounts Departments

Efficiently reconcile credit card transactions for accurate financial tracking, budget planning template for budget planners, efficiently track and manage departmental budgets with real-time insights, pricing strategy planner for pricing managers, optimize your pricing strategy with ease, risk assessment matrix for risk managers, efficiently manage and mitigate risks with a comprehensive risk assessment matrix, cash handling policy for store managers, establish and enforce cash handling procedures for store managers, revenue forecast model for revenue analysts, forecast your revenue with precision and accuracy, cost reduction plan for cost managers, optimize your department's expenses with a cost reduction plan.

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Profit Margin Tracker For Sales Managers

Track your product sales, expenses, and profit margins with ease, fixed asset register for asset managers, track and manage your fixed assets efficiently, financial impact assessment for strategy teams, assess the financial impact of strategic initiatives, debt management plan for debt managers, manage your debts effectively with this debt management plan template, equity management spreadsheet for equity managers, manage your equity investments with ease, currency exchange rate tracker for international business managers, track currency exchange rates for international business managers, fiscal year budget template for financial planners, track and manage departmental budgets with ease, financial transaction log for financial departments, inventory valuation report for inventory accountants, track your inventory valuation and sales performance, financial meeting agenda for financial planners, streamline your financial meetings with a structured agenda, return on investment calculator for investment analysts, calculate your return on investment for various investment types, online order tracking form for e-commerce departments, track and manage online orders with ease, technology vendor contact list for procurement departments, organize your technology vendor contacts for easy procurement management, social media performance report for social media managers, analyze and optimize your social media performance with ease, customer database update form for database managers, update and manage your customer database with ease, technology incident report for it support teams, track and manage technology incidents reported by users.

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IT Equipment Checklist For IT Procurement Departments

Track your it equipment procurement process efficiently, system backup schedule for system administrators, efficiently manage system backups with detailed scheduling and monitoring.

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Software Licensing Management Tool For Software Managers

Manage software licenses efficiently with our tool, technology implementation roadmap for project managers, streamline your project management process with a comprehensive technology implementation roadmap, data migration plan for data managers, streamline your data migration process with ease, cloud service evaluation for cloud specialists, evaluate cloud service providers for your specific needs, app feature wishlist for product managers, optimize your app feature wishlist for product managers, it asset depreciation schedule for financial managers, track and manage it asset depreciation for financial planning purposes, tech support ticket form for it support departments, streamline your tech support ticketing process with ease, website seo checklist for seo specialists, optimize your website for search engines with this comprehensive seo checklist.

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CRM System Evaluation For CRM Departments

Evaluate crm systems for crm managers, mobile device management policy for it departments, manage your mobile device security policies with ease, remote work software toolkit for hr departments, optimize your hr processes with the best remote work software tools, cloud storage options comparison for cloud analysts, compare cloud storage options for cloud architects.

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Tech Innovation Log For Innovation Managers

Track and manage tech innovation projects with ease.

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IT Emergency Response Plan For IT Departments

Create an it emergency response plan for it directors, digital asset management strategy for digital asset managers, efficiently manage and organize your digital assets with ease, monthly utility usage report for facilities managers, track and analyze monthly utility usage for multiple facilities, biodegradable products tracker for environmental managers, track and manage biodegradable products disposal for environmental officers.

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Local Supplier Assessment For Procurement Specialists

Evaluate local suppliers for procurement specialists.

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Sustainability Goals Tracker For Sustainability Coordinators

Track and manage sustainability goals for your organization.

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Energy Efficient Equipment List For Energy Managers

Optimize your energy consumption with the right equipment, vegan and vegetarian options planner for dietary specialists, plan your vegan and vegetarian menu with ease, sustainability project budget template for financial managers, track and manage sustainability projects with ease, corporate social responsibility report for csr departments, create a comprehensive corporate social responsibility report for csr managers, green event checklist for event coordinators, plan your eco-friendly event with ease, sustainability award application form for pr departments, submit your sustainability projects for recognition, green product development brief for product developers, develop sustainable green products with ease.

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Eco-Friendly Employee Incentives For HR Departments

Implement eco-friendly employee incentives to promote sustainable practices in the workplace, community green initiative planner for community relations managers, plan and manage community green initiatives for enhancing local biodiversity, environmental sustainability training for new employees, track employee training progress and completion status.

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Zero Waste Challenge Tracker For Project Managers

Track and monitor your team's progress in implementing sustainability initiatives, eco-tourism project proposal for marketing departments, create eco-tourism project proposals for marketing managers, sustainable agriculture practices for agricultural managers, implement sustainable agriculture practices for agricultural managers, green roof installation guide for building managers, guide for building managers to install a green roof on their building.

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Water Reclamation System Setup For Environmental Managers

Efficiently manage water reclamation system setup projects, sustainable fishing practices for restaurant managers, track your sustainable seafood purchases and costs.

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Green IT Practices For IT Departments

Implement sustainable it practices for a greener workplace, seasonal specials planner for restaurants, plan your seasonal specials with ease, recipe standardization form for kitchen managers, standardize your recipes for efficient kitchen management, dish removal assessment for executive chefs, evaluate dishes for retention or removal based on sales volume, cost, preparation time, customer feedback, and chef's notes, competitor menu comparison for strategy managers, compare competitor menus for strategic decision-making.

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Dish Development Timeline For Product Development Teams

Track the development timeline of new dishes from idea submission to launch.

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Cost Reduction Strategies For Menu Items For Cost Control Departments

Implement cost reduction strategies for menu items to save on expenses, themed menu planner for event coordinators, create themed menus for your events with ease, special event menu template for catering departments, create customized menus for special events with ease, new recipe costing template for cost analysts, calculate the cost of ingredients and recipe yield for new recipes, ingredient substitution guide for nutritionists, easily substitute ingredients in your recipes with this comprehensive guide.

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Seasonal Ingredient Tracker For Inventory Managers

Track seasonal ingredient availability, stock levels, and suppliers.

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Menu Translation Sheet For Multilingual Restaurants

Translate your menu items into multiple languages for a diverse customer base.

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Kids Menu Planner For Family-Friendly Restaurants

Plan your kids menu with ease for family-friendly restaurants.

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Vegan Menu Development Template For Menu Developers

Create a diverse and delicious vegan menu with ease, gluten-free menu planner for dietary specialists, plan your gluten-free meals with ease, special diets menu planner for nutritionists, plan your special diets menu with ease, limited time offer menu template for marketing departments, create a limited-time offer menu for marketing managers.

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Cultural Cuisine Introduction Plan For Culinary Teams

Introduce students to diverse cultural cuisines through hands-on cooking lessons, cross-utilization of ingredients plan for cost reduction teams, optimize ingredient usage and reduce costs with cross-utilization plan, seasonal menu change checklist for operations managers, streamline your seasonal menu change process with this checklist, recipe modification log for chefs, track recipe modifications and improvements for r&d teams.

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Recipe Book Template For Cookbook Publishers

Create a stunning recipe book template for cookbook authors, restaurant theme concept proposal for business developers, create a unique restaurant concept proposal for business developers.

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Catering Menu Proposal Template For Catering Sales Managers

Create a professional catering menu proposal for catering sales managers.

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Holiday Menu Specials Planner For Event Coordinators

Plan your holiday menu specials with ease, takeout and delivery menu optimizer for operations managers, optimize your takeout and delivery menu for maximum profitability, menu cost review for financial controllers, optimize your menu pricing strategy with detailed cost analysis, chef's special planner for head chefs, plan your chef's special dishes with ease, upselling strategy for menu items for sales teams, boost your restaurant's revenue with strategic upselling techniques, interactive digital menu setup for it departments, create an interactive digital menu for restaurants and bars, menu layout design for graphic designers, create a visually appealing menu layout design for graphic designers, food trend analysis for market researchers, analyze food trends for market researchers, gourmet food pairing guide for gourmet restaurants, pair gourmet dishes with the perfect beverages for a delightful dining experience.

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Farm-To-Table Menu Strategy For Sustainability Managers

Create a sustainable farm-to-table menu strategy for your restaurant, event inquiry form for event coordinators, streamline event planning with an easy-to-use form, event timeline planner for project managers, plan your event timeline with ease, event staffing requirements for hr departments, efficiently manage event staffing requirements for hr managers.

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Catering Delivery Checklist For Delivery Teams

Efficiently manage catering delivery schedules and logistics, post-event evaluation form for quality assurance departments, evaluate event success and identify areas for improvement, catering equipment checklist for catering equipment managers, keep track of your catering equipment inventory and maintenance schedule, food safety plan for events for safety managers, ensure food safety at your events with this comprehensive plan.

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Wedding Catering Planner For Wedding Planners

Effortlessly plan and manage wedding catering details for your clients.

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Corporate Event Menu Planner For Corporate Event Managers

Plan your corporate event menus with ease, vip event management template for vip relations managers, efficiently manage vip events with ease, award ceremony catering schedule for event coordinators, plan your catering schedule for an award ceremony with ease.

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Art Exhibition Reception Planner For Art Coordinators

Effortlessly plan and execute art exhibition receptions with this comprehensive planner, fundraiser event checklist for nonprofit event planners, stay organized and on track with your nonprofit fundraiser event planning.

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New Year'S Eve Party Planner For Event Managers

Plan your new year's eve party with ease.

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Theme Party Catering Guide For Party Planners

Plan your theme party catering with ease.

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Culinary Workshop Schedule For Culinary Instructors

Plan your culinary workshop schedule with ease, food festival planner for festival coordinators, plan your food festival events with ease, banquet setup guide for banquet managers, create detailed event setup guides for banquet managers.

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Live Cooking Demonstration Organizer For Event Managers

Organize live cooking demonstrations for chefs, charity event catering planner for charity coordinators, effortlessly plan catering for charity events with detailed event information and supplier details, public event safety protocol for safety managers, ensure the safety and security of public events with comprehensive protocols, food and beverage service training for training departments, plan your training sessions with ease, corporate retreat food planner for retreat organizers, effortlessly plan meals for corporate retreats with ease.

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Bridal Shower Catering Guide For Event Planners

Streamline your catering planning for events with ease.

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Movie Premiere Catering Layout For Event Coordinators

Plan your event catering with ease, product launch party menu for marketing departments, plan your product launch party menu with ease, book signing reception planner for public relations managers, plan your book signing reception with ease, art gallery opening catering guide for gallery managers, streamline your catering orders for art gallery openings, interactive menu development tracker for f&b product developers, track and manage the development stages of f&b products with ease.

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Dynamic Beverage Stock System For Bar Managers

Efficiently manage your beverage stock with real-time updates and analytics, customer allergy and preferences log for restaurant staff, customize meals based on customer allergies and preferences, detailed event catering project planner for event managers, efficiently plan and manage event catering details for seamless execution, optimized food truck route planner for mobile food operators, optimize your food truck route with ease.

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F&B Industry Compliance Audit Toolkit For Compliance Managers

Streamline your compliance audit process for food and beverage establishments.

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Action Plan For Remediation

Create an action plan for remediation to address and resolve issues effectively.

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Create personalized email templates for various occasions

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Visualize and organize your ideas with a mind map

College resume, create a professional college resume to showcase your achievements and skills.

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Letter Of Interest

Create professional and compelling letters of interest with ease.

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Sign In Sheet

Efficiently track visitor sign-ins and sign-outs.

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Play Bingo with your team and have fun while working

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Job Description

Create comprehensive job descriptions for various positions.

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Job Application

Track and manage job applications with ease.

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Frayer Model

Organize and analyze information with the frayer model.

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Create a professional one-pager for your project

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Executive Summary

Summarize key findings and strategic direction in an executive summary, fishbone diagram, identify and analyze potential causes of a problem with a fishbone diagram.

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Create a professional About Me page with ease

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Budget Temp

Track your expenses and manage your budget with ease.

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Vehicle Bill Of Sale

Create a professional vehicle bill of sale with ease.

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Plot Diagram

Visualize the plot of your story with a plot diagram.

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Lined Paper

Create lined paper templates for various purposes.

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Book Report

Create professional book reports with ease, create an eye-catching pamphlet for your business or event, all about me, create a personalized 'all about me' template.

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Create professional name tags for your events

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Chore Chart

Keep track of household chores with this chore chart template.

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Table Of Contents

Create a professional table of contents for your document.

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Rent Receipt

Create professional rent receipts with ease.

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Budget Sheet

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Daily Planner

Stay organized and maximize productivity with our daily planner template, budget planner, track your income and expenses with ease.

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Capture and showcase your favorite memories with a Polaroid-style photo template

Streamline communication and reporting with the sbar template, sign up sheet, efficiently manage event sign-ups and preferences.

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Concept Map

Visualize and organize complex concepts with a concept map.

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Christmas List

Keep track of your christmas gift list with ease.

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Create a comprehensive shot list for your film or video project

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Essay Outline

Create a comprehensive essay outline for environmental conservation.

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Grocery List

Keep track of your grocery list and expenses with ease.

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Create and customize your own Bingo cards

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Learn about different butterfly species and their characteristics

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Efficiently manage work orders and track progress

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Raffle Ticket

Create professional raffle tickets for your event.

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Track and manage your investment portfolio with ease

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Visualize and analyze circle data with ease

Personal financial statement, track your assets, liabilities, and net worth with ease.

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Missing Poster

Create missing person posters with ease, evaluate and grade student work with ease using this rubric template, create mla format citations with ease, study guide, stay organized and track your study progress with this comprehensive study guide template, manage your book collection with ease.

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Create professional quotes for your business

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Create a comprehensive fish database with Lark

Employment verification letter, generate employment verification letters with ease.

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2 Week Notice Letter

Create professional 2-week notice letters with ease.

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Spelling Test

Track and analyze spelling test results, visualize your family tree with a genogram.

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Book Review

Capture and organize book reviews with ease, eisenhower matrix, organize your tasks based on urgency and importance with the eisenhower matrix, employee evaluation, streamline employee evaluations and performance tracking, review of systems, review your symptoms and medical history with this comprehensive template.

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Certificate Of Completion

Create professional certificates of completion for courses and workshops.

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Organize and share your favorite recipes with ease

Construction contract, create and manage construction contracts with ease.

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Employee Of The Month

Recognize and reward outstanding employees with the employee of the month template.

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Weekly Budget

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Character Reference Letter

Create a character reference letter with ease.

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Create an organized outline for your projects

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Decision Tree

Make informed decisions with a decision tree template.

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Create a fact sheet to showcase your company's key information

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Cleaning Schedule

Keep your workspace clean and organized with this cleaning schedule template, doctors note for work, generate doctors' notes for work with ease, streamline your essay writing process with this comprehensive essay template.

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Organize travel itinerary with ease

Create a comprehensive syllabus for your course.

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User Persona

Create user personas to understand your target audience, trading card, organize and track your trading card collection, credit dispute letter, resolve credit report inaccuracies with a professional dispute letter.

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Discover different types of flowers and their characteristics

Create professional lab reports with ease, keep track of your professional references, logic model, create a logic model to plan and evaluate your projects.

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Create your own cookbook with ease

Stay organized and on top of your tasks with this checklist template.

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Simple Budget

Recipe card, create beautiful recipe cards with ease.

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Create professional cover pages for your documents

Professional references, organize and manage your professional references with ease, create mla citations with ease.

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Create engaging blog posts with ease

Recipe book, create your own recipe book with ease.

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Binder Cover

Create personalized binder covers for your projects, letter of authorization, authorize parties and grant specific authorities with this letter of authorization template.

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Acting Resume

Create a professional acting resume with ease, graph paper, create custom graphs and charts with ease, cease and desist letter, send professional cease and desist letters to protect your intellectual property rights, terms and conditions, create a comprehensive terms and conditions template for your website, free monthly budget, organize and track your board game collection, permission slip, create permission slips for student activities, attendance sheet, track employee attendance and manage work hours.

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Business Contract

Create professional business contracts with ease, reading log, keep track of your reading progress and insights, create and manage scripts for your film or theater production.

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Thesis Statement

Create effective thesis statements for various topics, create professional case study reports with ease.

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Manage your bill of lading (BOL) with ease

Generate professional check stubs for your employees, employment letter, create personalized employment letters for your employees, debt verification letter, verify and dispute alleged debts with ease, shopping list, stay organized and never forget your shopping list again.

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Door Hanger

Efficiently distribute messages and promotions with door hangers.

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Baseball Lineup

Create and manage your baseball lineup with ease, plan and track your work projects with ease, demand letter, demand payment for outstanding invoices and unpaid fees, puzzle piece, organize and track your puzzle pieces with ease.

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Notebook Paper

Organize your biology class with this notebook paper template.

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Keep track of tree information and conservation status

Create a professional price list for your products or services.

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Check Register

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Place Setting

Create personalized place settings for your event.

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Gantt Chart Templ

Track project progress and manage tasks with this gantt chart template.

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Needs Assessment

Assess your organization's needs and prioritize projects.

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Mental Status Exam

Conduct comprehensive mental status exams with ease, checkbook register, keep track of your expenses and manage your finances with ease, customer journey map, visualize and understand your customer journey with ease, free org chart, visualize your organization's structure with ease.

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Simple Monthly Budget

Letter of employment, generate professional letter of employment templates, problem statement, streamline problem identification and resolution.

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Collect signatures for your petition with ease

Create personalized personas for your target audience.

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Bill Of Sale

Create professional bill of sale documents with ease, research proposal, streamline your research proposal process with this template, create and analyze surveys with ease, buyer persona, create personalized buyer personas for your marketing strategy, certificate of appreciation, recognize and appreciate outstanding achievements with personalized certificates, social security card, create professional and secure social security card templates, one on one meeting, streamline your one-on-one meetings with this template, story board, visualize your story with a storyboard template.

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Literature Review

Organize and analyze research literature for your literature review.

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Bill Tracker

Track and manage your bills with ease, consulting contract, create a comprehensive consulting contract with ease, create your own screenplay with ease.

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Exit Ticket

Gather feedback and assess student understanding with this exit ticket template, interview thank you email, express gratitude and follow up after an interview.

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Bill Of Sale Word

Create a captivating story with our story map template.

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Cleaning List

Keep your space clean and organized with this cleaning list template, police report, efficiently manage and track police reports with this template, succession planning, plan for the future of your organization with a comprehensive succession planning template, blank check, create professional and customizable blank checks.

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Streamline user registration and account management

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Reference List

Create a professional reference list for your research papers and publications, simple will, create a simple will to distribute your assets.

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Grant Proposal

Streamline your grant proposal process and increase your chances of securing funding, essay format, format your essays with ease using this template.

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Budget Tracker

Track your expenses and income with ease, letter of support, show your support with a letter of endorsement, college essay, streamline your college essay writing process with this comprehensive template, thank you letter, express gratitude and follow-up with personalized thank you letters, create your own game board with ease.

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Collection Letter

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Monthly Bills

Stay on top of your monthly bills with ease.

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Visualize your data on a bubble map

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Create an elegant gala event booklet

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Stock Certificate

Create professional stock certificates for your shareholders.

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Exit Interview

Streamline your exit interview process and gather valuable feedback from departing employees, financial plan, manage your personal finances with ease.

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Value Proposition

Create compelling value propositions for your target customers, event proposal, create professional event proposals with ease, verification of employment letter, verify employment details with ease.

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Doctor Excuse

Generate doctor excuse notes for patients, policies and procedures, manage and track your organization's policies and procedures, job posting, create professional job postings with ease, movie script, create a movie script with ease, food journal, track your daily meals and nutritional intake with ease.

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Memo Format

Create professional and organized memos with ease, corrective action plan, track and manage corrective actions for identified issues, mission statement, craft a compelling mission statement for your organization.

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To Whom It May Concern Letter

Create professional recommendation letters with ease.

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Keep track of your calls and follow-ups with ease

Waiver of liability, create a waiver of liability for your activities, track your business financial performance and growth.

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Monthly Work Schedule

Manage your team's work schedule with ease.

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Block Schedule

Organize your school's block schedule with ease, birthday list, keep track of birthdays and gift ideas for your friends and family.

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Journey Map

Visualize and analyze customer journey with ease, create a comprehensive site map for your website, notary acknowledgement, create professional notary acknowledgement templates with ease, job proposal, create professional job proposals with ease.

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Rent Ledger

Track rent payments and balances with ease, cleaning checklist, efficiently manage cleaning tasks with this comprehensive checklist template.

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Potluck Sign Up Sheet

Organize your potluck event with ease.

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Birth Certificate

Create personalized birth certificates for newborns, questionnaire, create engaging and interactive quizzes with our questionnaire template, certificate of origin, create professional certificate of origin documents with ease, envelope address, create professional envelope addresses with ease, notarized letter, create professional notarized letters with ease.

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Stakeholder Analysis

Analyze and manage project stakeholders effectively.

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Instagram Carousel

Create engaging instagram carousels with ease.

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Decision Matrix

Make informed decisions with the decision matrix template.

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Create stunning mood boards with a variety of visual elements

List of references, create a comprehensive list of references for your research projects, bill of lading, create professional bill of lading documents with ease, track and manage your monthly expenses with ease, reference sheet, organize and manage your references with ease, efficiently manage household chores with this chore list template, happy birthday, plan and organize birthday celebrations with ease.

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Blank Bingo

Create your own customized bingo game, bank statement, track your financial transactions and balance with ease.

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Create a personalized birth plan for a smooth delivery

Free itinerary, create a personalized travel itinerary with ease.

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Custody Agreement

Create a comprehensive custody agreement for co-parenting, visualize your data with a colorful bar graph.

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Policy And Procedure

Standardize your company policies and procedures with this template.

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Track and manage handovers between team members

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Create professional and customizable quotes for your clients

Contractor estimate, estimate the cost and materials needed for your construction project, itinerary temp, plan your travel itinerary with ease, create a personalized will with ease, free work schedule, efficiently manage employee schedules with this free work schedule template, manage your cloud resources with ease.

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Rent To Own Contract

Create a rent-to-own contract for tenants and landlords, sales funnel, track your sales pipeline and manage deals effectively, budget proposal, create a budget proposal for your projects.

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Create professional doctor's note templates for patients

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Script Format

Create professional scripts with ease, gift letter, create personalized gift letters for donors and recipients.

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Letterhead Word

Create professional letterheads with ease, missing person, track missing persons and their case details.

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Contractor Agreement

Create a comprehensive contractor agreement with ease, recommendation letter, create personalized recommendation letters with ease, wanted poster, create a professional wanted poster for fugitives, monthly budget, track your monthly budget and manage your expenses with ease, letter of recommendation, create professional and compelling letters of recommendation, doctors note, keep track of patient visits and medical recommendations with this doctor's note template, create a professional newspaper with ease, vision board, visualize your goals and dreams with a vision board, create professional and personalized envelopes for your business, business plan, create a comprehensive business plan with ease, project plan, plan your projects with ease.

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Create professional newsletters with ease

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Account Based Marketing

Manage your account-based marketing strategies effectively.

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Price Matrix

Track and compare product prices, bulk prices, and vendor details.

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Content Calendar

Organize and plan your content strategy with ease.

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Product Roadmap

Track and manage your product features with ease.

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Gantt Chart

Track your project progress with a comprehensive gantt chart.

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Availability

Manage your resources and schedule with ease, inventory sheet, manage your inventory with ease and precision, income statements, streamline your request for quotation process with this rfq template, manage your projects efficiently with a clear overview of all activities, project status report, track your project's progress, budget, and health with ease.

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Requirements Gathering

Streamline your project requirements with a comprehensive overview.

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Staff Availability

Manage your staff's availability with ease and efficiency.

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Weekly Stand Up Meeting

Streamline your weekly stand-up meetings and keep track of team progress.

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Release Management

Manage your software releases efficiently and effectively, networking spreadsheet, manage your professional contacts and networking activities effectively, process documentation, streamline your business processes with a comprehensive documentation, account planning, streamline your account management and planning process.

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Action Item

Track and manage your team's tasks efficiently.

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Business Requirements Document

Streamline your project requirements with a comprehensive and organized approach, communications plan, streamline your communication strategy with a comprehensive plan.

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Post Mortem

Analyze your projects, identify successes and failures, and improve future endeavors.

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Party Planning

Organize your party planning with ease and efficiency.

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Vacation Itinerary

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Production Schedule

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Product Backlog

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10 Year Plan

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Event Run Of Show

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Manage your customer relationships with ease

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Project Outline

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Msp Client Onboarding Checklist

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Product Testing

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Risk Matrix

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Sprint Retrospective

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Activity calendar, organize your team's activities with a comprehensive calendar.

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Product Design

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Free Pay Stub

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Goal Tracking

Track your personal and professional goals with ease, training schedule, organize and manage your training sessions effectively.

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Lifecycle Powerpoint

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Grant Tracking

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Conference Itinerary

Organize your conference itinerary with ease.

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Subscription

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Consultant Timesheet

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Request For Quote

Streamline your procurement process with a comprehensive rfq template, strategic roadmap, strategically plan your company's future with a comprehensive roadmap.

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5 Whys Root Cause Analysis

Identify, analyze, and solve problems effectively, manage your volunteers and their tasks efficiently, purchase order, streamline your purchase order process with ease.

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Donation Tracker

Track your donations and donors with ease, requirements document, manage your project requirements with ease and efficiency, marketing brief, plan and execute your marketing strategies effectively, monthly goals, track and manage your monthly goals effectively, track, manage, and resolve issues efficiently, travel planner.

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Board Meeting Agenda

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Fundraising

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Product Launch Plan

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Reporting Specifications

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Organize and analyze your data with ease

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Best Practices Documentation

Document and implement best practices across various business functions.

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Supply Request Form

Streamline your supply requests with a simple and efficient form, legal case management spreadsheet.

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Legal Case Tracking

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24 Hourly Schedule

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30 60 90 Day Plan

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Software Comparison

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Student Progress Tracker

Track and analyze student progress with ease, construction budget template goog, track your construction budget with ease and accuracy, employee availability, manage your team's availability and shift preferences with ease, sprint backlog, manage your project tasks efficiently with a sprint backlog.

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Google Docs Timeline

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Travel Itinerary Template Go

Plan your travel itinerary with ease and precision, project deliverables, work breakdown structure, streamline your project management with a detailed work breakdown structure, implementation plan, streamline your project implementation with a clear and concise plan, organize your meetings effectively with a detailed agenda.

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Manage your projects, tasks, and deadlines with ease

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Expense Report

Track and manage your team's expenses with ease, weekly schedule, organize your week efficiently with a clear schedule, time blocking, organize your day efficiently with time blocking.

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Standard Operating Procedure

Streamline your operations with our standard operating procedure template, google docs itinerary, plan your business trips with ease and precision, root cause analysis, analyze, track, and prevent incidents with a comprehensive root cause analysis, performance improvement plan, track and manage employee performance improvement plans, market analysis, analyze your market with precision and ease, 12 week year, plan and track your goals and actions for each week of the year.

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Profit And Loss

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Streamline your project management with a comprehensive workflow

Manage your project risks, assumptions, issues, and dependencies with ease, vendor list, manage your vendors efficiently and effectively, mutual action plan, streamline your business objectives and action plans with mutual action plan templates, daily schedule, organize your daily activities with a clear and concise schedule, track your expenses and savings with ease, go to market strategy, strategize your market entry with comprehensive planning, risk assessment, manage and mitigate risks effectively with a comprehensive overview, raci matrix, workback schedule, streamline your project management with a detailed workback schedule, action items, track and manage your team's action items effectively.

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Business Plan Temp

Craft a comprehensive business plan with ease.

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Proof Of Concept

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Sales Tracker

Track your sales, analyze trends, and maximize profits.

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Uat Sign Off

Track and manage your user acceptance testing (uat) with ease.

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Technical Debt Register

Track, manage, and resolve technical debts efficiently, marketing calendar, plan and track your marketing campaigns with ease, sample rollout plan, streamline your product rollout with a comprehensive plan, photo directory, create a comprehensive photo directory for your organization, process flow chart, visualize and streamline your sales process, investment agreement, track and manage your investment agreements with ease.

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College Schedule

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Employee Daily Activity Report

Track and manage your team's daily activities efficiently, work breakdown, streamline your project management with a comprehensive work breakdown.

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Html Report

Create comprehensive html reports with ease, plan and manage your events with ease, end of day report, track your team's daily progress with ease, cna report sheet, track and manage patient care with ease, rank tracker report, track your keywords and their performance across different search engines.

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Classroom Seating Chart Whiteboard

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Campaign Brief

Streamline your marketing campaigns with a comprehensive brief.

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Streamline your deal management process with a comprehensive overview

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Marriage Contract

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Approval Matrix Whiteboard

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Shift Schedule

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Camp Schedule

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User Acceptance Testing Checklist

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Free Financial Projection and Forecasting Templates

By Andy Marker | January 3, 2024

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We’ve collected the top free financial projection and forecasting templates. These templates enable business owners, CFOs, accountants, and financial analysts to plan future growth, manage cash flow, attract investors, and make informed decisions.  On this page, you'll find many helpful, free, customizable financial projection and forecasting templates, including a  1 2-month financial projection template , a  startup financial projection template , a  3-year financial projection template , and a  small business financial forecast template , among others. You’ll also find details on the  elements in a financial projection template ,  types of financial projection and forecasting templates , and  related financial templates .

Simple Financial Projection Template

Simple Financial Projection Example Template

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Excel | Google Sheets  

Download a Blank Simple Financial Projection Template for 

Excel | Google Sheets    

Small business owners and new entrepreneurs are the ideal users for this simple financial projection template. Just input your expected revenues and expenses. This template stands out due to its ease of use and focus on basic, straightforward financial planning, making it perfect for small-scale or early-stage businesses. Available with or without sample text, this tool offers clear financial oversight, better budget management, and informed decision-making regarding future business growth. 

Looking for help with your business plan? Check out these  free financial templates for a business plan to streamline the process of organizing your business's financial information and presenting it effectively to stakeholders.

Financial Forecast Template

Financial Forecast Example Template

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This template is perfect for businesses that require a detailed and all-encompassing forecast. Users can input various financial data, such as projected revenues, costs, and market trends, to generate a complete financial outlook. Available with or without example text, this template gives you a deeper understanding of your business's financial trajectory, aiding in strategic decision-making and long-term financial stability. 

These  free cash-flow forecast templates help you predict your business’s future cash inflows and outflows, allowing you to manage liquidity and optimize financial planning.

12-Month Financial Projection Template

12-Month Financial Projection Example Template

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Use this 12-month financial projection template for better cash-flow management, more accurate budgeting, and enhanced readiness for short-term financial challenges and opportunities. Input estimated monthly revenues and expenses, tracking financial performance over the course of a year. Available with or without sample text, this template is ideal for business owners who need to focus on short-term financial planning. This tool allows you to respond quickly to market shifts and plan effectively for the business's crucial first year. 

Download  free sales forecasting templates to help your business predict future sales, enabling better inventory management, resource planning, and decision-making.

Startup Financial Projection Template

Startup Financial Projection Example Template

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This dynamic startup financial projection template is ideal for startup founders and entrepreneurs, as it's designed specifically for the unique needs of startups. Available with or without example text, this template focuses on clearly outlining a startup's initial financial trajectory, an essential component for attracting investors. Users can input projected revenues, startup costs, and funding sources to create a comprehensive financial forecast.

3-Year Financial Projection Template

3-Year Financial Projection Example Template

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This three-year financial projection template is particularly useful for business strategists and financial planners who are looking for a medium-term financial planning tool. Input data such as projected revenues, expenses, and growth rates for the next three years. Available with or without sample text, this template lets you anticipate financial challenges and opportunities in the medium term, aiding in strategic decision-making and ensuring sustained business growth.

5-Year Financial Forecasting Template

5-Year Financial Forecasting Example Template

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CFOs and long-term business planners can use this five-year financial forecasting template to get a clear, long-range financial vision. Available with or without example text, this template allows you to plan strategically and invest wisely, preparing your business for future market developments and opportunities. This unique tool offers an extensive outlook for your business’s financial strategy. Simply input detailed financial data spanning five years, including revenue projections, investment plans, and expected market growth. Visually engaging bar charts of key metrics help turn data into engaging narratives.

Small Business Financial Forecast Template

Small Business Financial Forecast Example Template

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Download a Blank Small Business Financial Forecast Template for 

Excel | Google Sheets 

The small business financial forecast template is tailored specifically for the scale and specific requirements of small enterprises. Business owners and financial managers can simply input data such as projected sales or expenses. Available with or without sample text, this tool offers the ability to do the following: envision straightforward financial planning; anticipate future financial needs and challenges; make informed decisions; and steer the business toward steady growth.

Elements in a Financial Projection Template

The elements in a financial projection template include future sales, costs, profits, and cash flow. This template illustrates expected receivables, payables, and break-even dates. This tool helps you plan for your business's financial future and growth.   

Here are the standard elements in a financial projection template:   

  • Revenue Projection: This estimates future income from various sources over a specific period.
  • Expense Forecast: This predicts future costs, including both fixed and variable expenses.
  • Profit and Loss Forecast:  This projects the profit or loss by subtracting projected expenses from projected revenues.
  • Cash-Flow Projection: This assesses the inflows and outflows of cash, indicating liquidity over time.
  • Balance Sheet Projection: This predicts the future financial position, showing assets, liabilities, and equity.
  • Break-Even Analysis: This calculates the point at which total revenues equal total costs.
  • Capital Expenditure Forecast: This estimates future spending on fixed assets such as equipment or property.
  • Debt Repayment Plan: This outlines the schedule for paying back any borrowed funds.
  • Sales Forecast:  This predicts future sales volume, often broken down by product or service.
  • Gross Margin Analysis:  This looks at the difference between revenue and cost of goods sold.

Types of Financial Projection and Forecasting Templates

There are many types of financial projection and forecasting templates: basic templates for small businesses; detailed ones for big companies; special ones for startup businesses; and others. There are also sales forecasts, cash-flow estimates, and profit and loss projections. 

In addition, financial projection and forecasting templates include long-term planning templates, break-even analyses, budget forecasts, and templates made for specific industries such as retail or manufacturing. 

Each template serves different financial planning needs. Determine which one best suits your requirements based on the scale of your business, the complexity of its financial structure, and the specific department that you want to analyze.

Here's a list of the top types of financial projection and forecasting templates:  

  • Basic Financial Projection Template: Ideal for small businesses or startups, this template provides a straightforward approach to forecasting revenue, expenses, and cash flow.
  • Detailed Financial Projection Template: Best for larger businesses or those with complex financial structures, this template offers in-depth projections, including balance sheets, income statements, and cash-flow statements.
  • Startup Financial Projection Template: Tailored for startups, this template focuses on funding requirements and early-stage revenue forecasts, both crucial for attracting investors and planning initial operations. 
  • Sales Forecasting Template:  Used by sales and marketing teams to predict future sales, this template helps you set targets and plan marketing strategies. 
  • Cash-Flow Forecast Template: Essential for financial managers who need to monitor the liquidity of the business, this template projects cash inflows and outflows over a period. 
  • Profit and Loss Forecast Template (P&L):  Useful for business owners and financial officers who need to anticipate profit margins, this template enables you to forecast revenues and expenses.  
  • Three-Year / Five-Year Financial Projection Template: Suitable for long-term business planning, these templates provide a broader view of your company’s financial future, improving your development strategy and investor presentations. 
  • Break-Even Analysis Template:  Used by business strategists and financial analysts, this template helps you determine when your business will become profitable. 
  • Budget Forecasting Template:  Designed for budget managers, this template uses historical financial data to help you plan your future spending. 
  • Sector-Specific Financial Projection Template:  Designed for specific industries (such as retail or manufacturing), these templates take into account industry-specific factors and benchmarks.

Related Financial Templates

Check out this list of free financial templates related to financial projections and forecasting. You'll find templates for budgeting, tracking profits and losses, planning your finances, and more. These tools help keep your company’s money matters organized and clear.

Free Project Budget Templates

Simple Budget Plan Template

Use one of these  project budget templates to maintain control over project finances, ensuring costs stay aligned with the allocated budget and improving overall financial management.

Free Monthly Budget Templates

business plan cash flow forecast template

Use one of these  monthly budget templates to effectively track and manage your business’s income and expenses, helping you plan financially and save money.

Free Expense Report Templates

Simple Expense Report Template

Use one of these  expense report templates to systematically track and document all business-related expenditures, ensuring accurate reimbursement and efficient financial record-keeping.

Free Balance Sheet Templates

Basic Balance Sheet Template

Use one of these  balance sheet templates to summarize your company's financial position at a given time.

Free Cash-Flow Forecast Templates

Cash Flow Forecast Template

Use one of these  cash-flow forecast templates to predict future cash inflows and outflows, helping you manage liquidity and make informed financial decisions.

Free Cash-Flow Statement Templates

business plan cash flow forecast template

Use one of these  cash-flow statement templates to track the movement of cash in and out of your business, so you can assess your company’s level of liquidity and financial stability.

Free Discounted Cash-Flow (DCF) Templates

Sample Discounted Cash Flow Template

Use one of these  discounted cash-flow (DCF) templates to evaluate the profitability of investments or projects by calculating their present value based on future cash flows.

Free Financial Dashboard Templates

Executive Dashboard Template

Use one of these  financial dashboard templates to get an at-a-glance view of key financial metrics, so you can make decisions quickly and manage finances effectively.

Related Customer Stories

Free financial planning templates.

Business Budget Template

Use one of these  financial planning templates to strategically organize and forecast future finances, helping you set realistic financial goals and ensure long-term business growth.

Free Profit and Loss (P&L) Templates

Printable Profit and Loss Statement Template

Use one of these  profit and loss (P&L) templates to systematically track income and expenses, giving you a clear picture of your company's profitability over a specific period.

Free Billing and Invoice Templates

Commercial Invoice

Use one of these  billing and invoice templates to streamline the invoicing process and ensure that you bill clients accurately and professionally for services or products.

Plan and Manage Your Company’s Financial Future with Financial Projection and Forecasting Templates from Smartsheet

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Step 2: Cash Flow Forecast

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A Cash Forecast is an estimation of the money you expect your business to bring in and pay out over a period time. It should reflect all of your likely revenue sources (like sales or other payments from customers) and compare these against your likely business expenses (like supplier payments, premises rental and tax payments).

If you’re applying for a Start Up Loan, we require a 12-month cash flow forecast because, while these figures will no doubt change over that trading period, this is a good period of time for you – and us – to see how sustainable your plans are.

Download our free Cash Forecast template that you may wish to use as part of your Start Up Loan application. The document includes a Personal Survival Budget template and a Business Plan template, which are also required for your application:

Download Template (.xlsx) (opens in a new tab)

This file includes a separate tab with guidance on how to use the cash flow forecast template, as well as some useful hover-over tips and messages on the template itself to support you as you work through. For your ease, this file includes a blank Personal Survival Budget template, which you must also submit with your application. These two templates are automatically linked together to reflect where any shortfall in your personal budgeting may need to be made up by drawings from your business. The file also includes a Business Plan template, which is required for your application.

Remember, you don’t have to use our cash flow forecast template – particularly if you have already created a Cash Forecast. However, if you are starting from scratch, we recommend using our template because it is designed to make it as simple as possible for you to complete. Another benefit of using our template is that it includes all of the right information that our Loan Assessment team requires from you to make a fair and informed lending decision.

Please note, the downloadable template should open on any device with a document viewer and editor but for the best user experience, we recommend editing this template on a desktop.

Why is a Cash Forecast important?

Even if you decide not to proceed with a Start Up Loan application straight away the cash flow forecast template is an essential business document for helping you keep on top of your finances. While the actual performance of a business will likely deviate from the projected cash flow, this is still an important document to have in place as part of managing your business. There are several benefits you’ll gain from creating and regularly updating a Cash Forecast.

A Cash Forecast tool:

  • Is great for planning your business activities and resources
  • Ensures your business activities are correctly aligned with each other
  • Supports you in making sensible, realistic decisions for your business
  • Gives you greater control over your business finances
  • Allows you to better understand your business performance
  • Helps you plan for the future

How do I complete my Cash Forecast?

A Cash Forecast is made up of three key sections:

1. Revenue – money coming in This section is where you list any money that you have coming in to the business such as product or service sales, equity or other investments and your Start Up Loan. The number of items you include will depend on your business model, but a typical revenue section includes between three and six items.

You add all of these sources together to figure out your total income (A).

If you use our free the cash flow forecast template (see the link above), this will be automatically calculated for you.

2. Expenses – money going out This section is where you list any of the expenses your business incurs, like your premises rental, staff wages, council tax, supplier costs, marketing and promotional expenses etc. You’ll need to think about costs that do not occur on a regular monthly basis, like V.A.T. which is only payable every quarter. Don’t forget to include things like your own salary, Start Up Loan repayments, or specialist expenses you are likely to incur. Again, the number of items you include will depend on your business model, but a typical expenditure section can be anywhere from 10 to 20 line items.

You add all of these sources together to figure out your total expenses (B).

If you use our free cash flow forecast template (see the link above), this will be automatically calculated for you.

3. Net cash flow – the balance This final section is the difference between your total revenue (A) and your total expenses (B). e.g. “total income (A)  –  total expenses (B) = Net cash flow”

If this figure is negative, it means that you are anticipating your expenses will be greater than your revenue in that period; conversely, if the figure is positive, it means you are anticipating your revenue to be greater than your expenses and to deliver a profit.

If you use our free cash flow forecast template, your net cash flow for each month and for the year as a whole will be automatically calculated for you.

Our top tips for creating your Forecast:

These tips have been prepared by our Business Advisers and loan assessment team to help you understand some of the key things that will strengthen your application:

Be realistic in terms of how many sales you expect to make While it is great to be ambitious for your business, it’s important to be realistic. Particularly in the early stages of trading, you may find that you aren’t able to make as many sales while you’re focusing on building up awareness about your product or service. It’s always better to make conservative estimates and over exceed your targets, than find yourself over committed or under prepared.

Make sure you understand the difference between revenue and expenditure.

  • Revenue, or income, is any money your business generates. In a product-based business, this is likely to be made up of the sales of different products. You may like to include separate line items for your individual products or product categories, particularly if each product contributes a significant amount of revenue.
  • Expenses,  or costs, are the items you’ll need to pay for in order to produce and/or deliver your products or services, promote and manage your business.

Remember that some of your costs will be recurring costs and others will be ad hoc.

  • A recurring cost  is one that doesn’t change over the course of the forecast. For example, your premises rent, insurance and Start Up Loan repayments etc.
  • An ad hoc cost is one that changes according to your needs. For example, supplier costs, material costs, venue hire, printing and travel expenses etc.

Plan for seasonality and base your figures on a range of typical scenarios (like quiet or busy periods) Seasonality doesn’t affect everyone in the same way. For example, if you’re starting a business in an area that has a booming tourist economy in the summer months but is very quiet during winter, this should be reflected in your forecasted sales figures and costs. But even if seasonality doesn’t affect you in this way, every business goes through quiet periods (with less sales) and busy periods (with more sales). Depending on your fixed and variable costs, this may create more or less pressure on your cost base during this period.

Think about the promotional activities you’ve got planned and the sales you expect these to generate. If you expect one of your promotional campaigns to deliver a high volume of new sales during a key month, you should try and reflect this in your numbers. Equally, if there are certain periods where you won’t have a large marketing budget in place, think about the impact this is likely to have on your sales.

Don’t forget to include the following items in your cost calculations:

  • The salary you will require from the business If you will not be earning any other forms of income while you start and grow your business you are likely going to need to draw on some of your business earnings to support yourself. The minimum salary you require needs to be included in your forecast as one of your expenses, along with any other staff salaries. Use our Personal Survival Budget guide and template to help calculate this.
  • Your monthly Start Up Loan repayments If your application is successful, you will be required to start making your first monthly payment soon after you draw down your Start Up Loan and it’s important this cost is reflected in your cash flow forecast. To calculate the value of your likely monthly repayments, check out our Loan Repayment Calculator .

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Access our collection of user-friendly templates for business planning, finance, sales, marketing, and management, designed to assist you in developing strategies for either launching a new business venture or expanding an existing one.

You can use the templates below as a starting point to create your startup business plan or map out how you will expand your existing business. Then meet with a  SCORE mentor to get expert business planning advice and feedback on your business plan.

If writing a full business plan seems overwhelming, start with a one-page Business Model Canvas. Developed by Founder and CEO of Strategyzer, Alexander Osterwalder, it can be used to easily document your business concept.

Download this template to fill out the nine squares focusing on the different building blocks of any business:

  • Value Proposition
  • Customer Segments
  • Customer Relationships
  • Key Activities
  • Key Resources
  • Key Partners
  • Cost Structure
  • Revenue Streams

For help completing the Business Model Canvas Template, contact a SCORE business mentor for guidance

From creating a startup budget to managing cash flow for a growing business, keeping tabs on your business’s finances is essential to success. The templates below will help you monitor and manage your business’s financial situation, create financial projections and seek financing to start or grow your business.

This interactive calculator allows you to provide inputs and see a full estimated repayment schedule to plan your capital needs and cash flow.

A 12-month profit and loss projection, also known as an income statement or statement of earnings, provides a detailed overview of your financial performance over a one-year period. This projection helps you anticipate future financial outcomes by estimating monthly income and expenses, which facilitates informed decision-making and strategic planning. 

If you’re trying to get a loan from a bank, they may ask you for a personal financial statement. You can use this free, downloadable template to document your assets, liabilities and net worth. 

A Personal Financial Statement is a

Marketing helps your business build brand awareness, attract customers and create customer loyalty. Use these templates to forecast sales, develop your marketing strategy and map out your marketing budget and plan.

How healthy is your business? Are you missing out on potential growth opportunities or ignoring areas of weakness? Do you need to hire employees to reach your goals? The following templates will help you assess the state of your business and accomplish important management tasks.

Whether you are starting your business or established and looking to grow, our Business Healthcheck Tool will provide practical information and guidance.

Learn how having a SCORE mentor can be a valuable asset for your business. A SCORE mentor can provide guidance and support in various areas of business, including finance, marketing, and strategy. They can help you navigate challenges and make important decisions based on their expertise and experience. By seeking out a SCORE mentor, you can gain the guidance and support you need to help grow your business and achieve success.

SCORE offers free business mentoring to anyone that wants to start, currently owns, or is planning to close or sell a small business. To initiate the process, input your zip code in the designated area below. Then, complete the mentoring request form on the following page, including as much information as possible about your business. This information is used to match you with a mentor in your area. After submitting the request, you will receive an email from your mentor to arrange your first mentoring session.

Copyright © 2024 SCORE Association, SCORE.org

Funded, in part, through a Cooperative Agreement with the U.S. Small Business Administration. All opinions, and/or recommendations expressed herein are those of the author(s) and do not necessarily reflect the views of the SBA.

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Best Practices

Crafting an effective business plan for coaches: financial forecasts and planning, learn how to craft an effective business plan for your coaching practice, focusing on essential financial forecasts and planning to ensure growth, manage risks, and optimize operations..

business plan cash flow forecast template

Financial planning and forecasting are critical components of a successful coaching business. They provide a roadmap for your business's financial health, helping you navigate through potential pitfalls and capitalize on opportunities. Effective financial forecasting not only ensures the viability of your coaching business but also prepares you for growth and scalability.

Understanding Financial Forecasts and Planning

Financial forecasts involve estimating future revenues, costs, and profits to help make informed business decisions. Financial planning, on the other hand, uses these forecasts to set objectives, allocate resources, and assess financial risks. Together, they form a cohesive strategy that underpins your business operations.

Step 1: Assess Your Current Financial Position

Before you start forecasting, you need a clear understanding of where your business stands financially. This involves:

  • Analyzing your balance sheet : Look at your assets, liabilities, and equity.
  • Reviewing your income statement : Understand your revenue streams and expense categories.
  • Examining cash flow statements : Determine how cash moves in and out of your business.

This initial assessment will provide a solid foundation for accurate forecasts and effective planning.

Step 2: Project Your Revenue

Revenue projections are crucial for coaching businesses, where income can be unpredictable. Consider the following:

  • Client Retention Rates : Analyze past data to predict how long clients will stay and how much revenue they will generate.
  • New Client Acquisition : Based on your marketing strategies and market conditions, estimate the number of new clients you can realistically acquire.
  • Pricing Strategies : Evaluate if your current pricing strategy is optimal or if adjustments are necessary to increase client acquisition or retention.

Step 3: Estimate Your Expenses

Expenses in a coaching business can vary widely, so it's important to forecast them with as much accuracy as possible. Break down your expenses into fixed and variable costs:

  • Fixed Costs : These are expenses that don’t change much, such as rent, software subscriptions, and salaries.
  • Variable Costs : These costs fluctuate with the level of business activity, like marketing expenses, travel, and possibly, variable compensation for staff based on performance.

Step 4: Cash Flow Forecasting

Cash flow is the lifeblood of any business. For coaches, managing cash flow can be challenging due to the often-irregular income streams. Your cash flow forecast should include:

  • Cash Inflows : All sources of business income, including payments from clients and any other income like interest or investments.
  • Cash Outflows : All expected payments, including expenses, taxes, and dividends if applicable.

This forecast will help you determine when you might need additional cash reserves or a line of credit to cover shortfalls.

Step 5: Scenario Planning

Scenario planning involves creating different "what-if" scenarios to understand how certain changes in your business environment could impact your financial health. For example:

  • Best-case scenario : If marketing efforts exceed expectations and client retention rates improve.
  • Worst-case scenario : If there is a sudden loss of a major client or an economic downturn affecting client investments in coaching.
  • Most likely scenario : Based on current trends and realistic expectations.

This exercise helps you prepare for uncertainty and makes your business more resilient.

Step 6: Set Financial Goals and Budget

Based on your forecasts, set clear, measurable financial goals for your coaching business. These could include revenue targets, profitability margins, or cost reduction objectives. Then, create a budget that supports these goals. Ensure your budget includes:

  • A marketing budget : To acquire new clients and retain existing ones.
  • An emergency fund : To cover unexpected expenses or economic downturns.
  • Investment in tools and training : To enhance your coaching services and operational efficiency.

Step 7: Monitor and Adjust

Financial forecasting and planning are not set-and-forget tasks. Regularly review your financial performance against your forecasts and budget. This could be monthly, quarterly, or annually, depending on your business size and complexity. Adjust your plans as necessary to stay on track with your financial goals.

Implementing Your Financial Plan

To effectively implement your financial plan:

  • Use financial management software : Tools like QuickBooks, FreshBooks, or Xero can help you keep track of your finances and generate reports easily.
  • Consult with financial experts : Regular meetings with a financial advisor or accountant can provide you with insights and help you stay aligned with your financial goals.
  • Stay informed : Keep up-to-date with market trends and economic factors that could impact your business.

Financial forecasting and planning are essential for the success of any coaching business. They help you anticipate future financial needs, prepare for potential challenges, and seize opportunities for growth. By following these steps, you can ensure the financial health and viability of your coaching practice, allowing you to focus more on what you do best—coaching and transforming lives.

Give your clients a simple and professional experience

Simple client management designed for teams, free form templates from practice.

Get your clients started on their journey to fertility with this professional and comprehensive Fertility Coaching Client Intake Form Template!

A professional AWARE Exercise template to help health professionals assess their clients' psychological state and provide tailored guidance. #mentalhealth #counseling #exercisetemplate

A professional Coaching Chemistry Session Form Template for coaches to use with their clients. Get clarity and direction in your coaching sessions with this customizable form!

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Top 5 essentials for new entrepreneurs starting a business.

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Top 5 Essentials For New Entrepreneurs

Being an entrepreneur is one of the most exciting and rewarding endeavors you can undertake. It offers the freedom to innovate, the opportunity to pursue your passion, and the potential for significant personal and financial growth. Because the path to entrepreneurial success is filled with challenges, it's crucial for new entrepreneurs to set themselves up for success by establishing a solid foundation from the start.

Having the right skills is crucial for setting your business up for success. These skills enable you to navigate the complexities of entrepreneurship with confidence and precision. Effective communication, strategic thinking, financial literacy , and marketing acumen are just a few of the essential competencies that can help you make informed decisions, manage resources efficiently, and adapt to changing market conditions. By honing these skills, you can build a resilient business, attract and retain customers, and create a sustainable growth strategy.

In essence, the right skills empower you to transform challenges into opportunities, driving your business toward long-term success.

Here are the top five essentials every new entrepreneur needs when starting a business:

1. clear vision and mission.

Your vision and mission are the cornerstones of your business. They define what you want to achieve and how you plan to get there. A clear vision provides direction and purpose, while a mission statement outlines your business's core values and goals. These elements not only guide your decision-making but also inspire your team and attract customers who resonate with your purpose.

Tip: Spend time refining your vision and mission. Make sure they are specific, achievable, and aligned with your personal values.

2. Comprehensive Business Plan

Ghost of tsushima is already flooded with negative reviews on steam, wwe smackdown results, winners and grades with stratton vs. belair, biden trump debates what to know as trump pushes for 2 more faceoffs.

A well-thought-out business plan is essential for laying out your roadmap to success. It should include your business goals, target market analysis, competitive landscape, marketing strategy, operational plan, and financial projections. A robust business plan helps you stay focused, secure funding, and measure your progress.

Tip: Use business plan templates and resources available online to structure your plan. Regularly update it as your business evolves.

3. Strong Financial Management

Don’t underestimate the importance of financial management . Sound financial management skills are crucial to build a financially stable business. This involves budgeting, forecasting, managing cash flow, and keeping accurate financial records. Understanding your finances allows you to make informed decisions, avoid unnecessary debt, and ensure your business remains profitable.

Tip: Consider hiring a professional accountant or using accounting software to keep your finances in order. Review your financial statements at a minimum of monthly to stay current on your business’s financial health.

4. Solid Marketing Strategy

A strategic marketing plan is vital for attracting and retaining customers. This includes understanding your target audience, creating a strong brand identity, leveraging social media, and utilizing various marketing channels to reach potential customers. Consistent and effective marketing helps build brand awareness and drives sales.

Tip: Invest in digital marketing tools and techniques such as SEO, content marketing, and email marketing. Track your marketing efforts and adjust your strategies based on what works best.

5. Supportive Network and Resources

Building a supportive network of mentors, advisors, and peers can significantly impact your entrepreneurial journey. These connections provide valuable advice, support, and opportunities for collaboration. Additionally, access to resources such as industry events, workshops, and online communities can help you stay informed and motivated.

Tip: Join local business groups, attend industry conferences, and engage with online forums. Don’t hesitate to seek mentorship and build relationships with experienced entrepreneurs.

The bottom line is that embarking on the entrepreneurial journey is both thrilling and demanding. By focusing on these five essentials—clear vision and mission, comprehensive business plan, strong financial management, solid marketing strategy, and supportive network and resources—you can set a strong foundation for your business. Remember, success doesn’t happen overnight. Stay committed, keep learning, and adapt as needed. With determination and the right tools, you can turn your entrepreneurial dreams into reality.

Melissa Houston, CPA is the author of Cash Confident: An Entrepreneur’s Guide to Creating a Profitable Business and the founder of She Means Profit . As a Business Strategist for small business owners, Melissa helps women making mid-career shifts, to launch their dream businesses, and I also guide established business owners to grow their businesses to more profitably.

The opinions expressed in this article are not intended to

replace any professional or expert accounting and/or tax advice whatsoever.

Melissa Houston

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IMAGES

  1. Free Cash Flow Forecast Templates

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  2. Cash Flow Forecast Template: Free Download & Step-by-Step Guide

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  3. Free Cash Flow Forecast Templates

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  4. Cash Flow Excel Template: Forecast Your Cash Flow

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  5. Free Cash Flow Forecast Templates

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  6. Free Cash Flow Forecast Templates

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VIDEO

  1. How to Create Cash Flow Statement Template in Excel (Urdu / Hindi)

  2. Cash Flow Template: Summary By Month

  3. Manage your cash flow

  4. Part III: How to prepare Projected Cash Flow Statement in Excel spreadsheet

  5. Cash Forecaster Software

  6. 🤔Upmetrics Business Plan Software Review 2024

COMMENTS

  1. How to Create a Cash Flow Forecast and Statement

    The direct method of forecasting cash flow relies on this simple overall formula: Cash Flow = Cash Received - Cash Spent. And here's what that cash flow forecast actually looks like: Let's start by estimating your cash received and then we'll move on to the other sections of the cash flow forecast. Brought to you by.

  2. Free Cash Flow Forecast Templates

    This simple cash flow forecast template provides a scannable view of your company's projected cash flow. Sections include beginning and ending cash balances, cash sources, cash uses, and cash changes during the month. These details provide an accurate picture of your company's projected month-by-month financial liquidity.

  3. Business Plan Financial Templates

    This financial plan projections template comes as a set of pro forma templates designed to help startups. The template set includes a 12-month profit and loss statement, a balance sheet, and a cash flow statement for you to detail the current and projected financial position of a business. ‌. Download Startup Financial Projections Template.

  4. Cash Flow Projection

    Consider a simple example of the time and effort involved in compiling a 13-week cash flow projection for stakeholders every week. The process typically includes. Capture cash flow data from banking and accounting platforms and classify transactions. Create short-term forecasts using payables and receivables data.

  5. Cash Flow Forecasting: A How-To Guide (With Templates)

    Free cash flow forecast template. To make this a lot easier, we've created a business cash flow forecast template for Excel you can start using right now. Access Template. The template has three essential pieces: Beginning cash balance. This is the actual cash you expect to have on hand at the beginning of the month.

  6. Free Cash Flow Statement Templates

    Use this template to create a cash flow forecast that allows you to compare projections with actual outcomes. This template is designed for easy planning, with a simple spreadsheet layout and alternating colors to highlight rows. You get a snapshot of cash flows over a 12-month period in a basic Excel template.

  7. Cash Flow Forecasting Template

    A forecasting template (also known as a cash forecasting model) is a blueprint that finance teams use for cash flow projection. Typically, the document sets out the key dimensions of a forecast model — the time horizon, time-period granularity, and cash flow categories. The template sets out the key dimensions of a forecast model - the time ...

  8. How To Build A Cash Flow Forecast For Your Startup In 8 Steps

    To calculate your cash flow statement, no need to do anything complicated at this stage: simply use your net profit, and subtract any other cash items (i.e. capital expenditures ), for instance the startup asset purchases discussed above (step 2). Step 7. Review and adjust.

  9. Cash Flow Forecast Template

    Our final template is the daily cash flow forecast for 14 days. It is only needed by small businesses if they are very tight on cash, and the situation might change daily. Daily Cash Flow Forecast. 1 file (s) 16.29 KB. Download.

  10. Monthly Cash Flow Forecast

    And for the tax-paying months, monthly expenses are $190,800, versus expectations of $175,000. The "Net Change in Cash" is calculated at the bottom by adding the "Total Cash Receipts" to the "Total Cash Disbursements". Expected Net Change in Cash (Non-Tax Months): $90,000. Actual Net Change in Cash (Non-Tax Months): $90,200.

  11. Cash Flow Series #2: Building Your 18-Month Cash Flow Forecast

    Gusto + Jirav Cash Flow Forecasting Series. The Gusto editorial team has partnered with Jirav and financial pro Andi Smiles to create a three-part Cash Flow Forecasting educational series. This series aims to walk businesses through building their own 18-month business forecasts step by step, giving them key tools and information to help them through the aftermath of the COVID-19 pandemic.

  12. Example of a cashflow

    Example of a cashflow. As well as your business plan, a set of financial statements detailing you cashflow is essential. This will provide details of actual cash required by your business on a day-to-day, month-to-month and year-to-year basis. The needs of a business constantly change and your cashflow will highlight any shortfalls in cash that ...

  13. PDF Forecasting cash flow

    The cash flow forecast template will help you detail the cash coming into and going out of your business on a monthly basis so you can forecast future surpluses and shortfalls. The template automatically calculates the following on a month-to-month and total basis for the forecast period: • Total receipts - incoming cash.

  14. Cash Flow Templates

    Use the templates below to help you plan and forecast your business costs, expenses, and sales. A complete cash flow statement will tell you how much money you need, how you arrived at that number, what purchases will be made, and how you will earn back borrowed monies with sales revenue. If your business is asking for funding, how much you ask ...

  15. How to create a cash flow forecast in 4 steps

    2. List all your income. For each week or month in your cash flow forecast, list all the cash you have coming in. Have one column for each week or month, and one row for each type of income. Start with your sales, adding them to the appropriate week or month.

  16. Set up a cash flow statement

    A cash flow statement tracks all the money flowing in and out of your business. You can use your cash flow statement to: find payment cycles and seasonal trends. forecast your future business finances. help predict shortages and surpluses. plan ahead to make sure you always have money to cover payments.

  17. Cash Flow Forecast Basics

    A cash flow forecast provides estimates of a company's future revenue and expenses.The forecast shows the cash a company will have on-hand at various future dates and is a vital financial document for any company. In a cash flow forecast, "cash" refers to funds that are easily available and spendable — this includes money in checking and savings accounts, as well as other funds that ...

  18. 10 Free Business Plan Templates in Word, Excel, & ClickUp

    This simple business plan template is perfect for any type of business looking to create a winning sales strategy while clarifying team roles and keeping tasks organized. ... cash flow statements, income statements, sales forecast, milestones, break-even analysis, etc.

  19. Cash flow forecasting

    A cash flow forecast is basically a cashbook that projects your, or your business's income and outgoings for any given period in the future, for example week, month, quarter or financial year. For each period, it lists: your projected starting account balance. your predicted income. your estimated outgoings, for example bills, salaries, raw ...

  20. 3-year cash flow projection template for easy use

    A cash flow projection is a crucial tool for businesses to forecast their future financial health. With a 3-year cash flow projection template, a financial forecast can be made that estimates the anticipated inflows and outflows of cash for a business over a three-year period.. Estimating the inflows and outflows of cash over a 3-year timeline provides insights into the expected cash position ...

  21. Cash flow forecasting template

    It will also show you when more cash is going out of the business than in. Our cash flow forecasting template is an Excel spreadsheet that you can use to forecast and record cash flow. The worksheet will update your figures as you type. The template has 4 tabs: example cash flow worksheet. details estimated cash flow. summary estimate cash flow.

  22. Write a business plan

    A business plan is a written document that describes your business. It covers objectives, strategies, sales, marketing and financial forecasts. A business plan helps you to: You'll need a ...

  23. Liquidity Forecasting Template

    Our liquidity forecasting template allows you to track your opening balance, expected inflow, expected outflow, net cash flow, cumulative net cash flow, closing balance, and add notes for each day. With this template, you can easily visualize and plan your cash flow projections for the upcoming days.

  24. Free Financial Projection and Forecasting Templates

    Sales Forecasting Template: Used by sales and marketing teams to predict future sales, this template helps you set targets and plan marketing strategies. Cash-Flow Forecast Template: Essential for financial managers who need to monitor the liquidity of the business, this template projects cash inflows and outflows over a period.

  25. Free Cash flow forecast template

    If you use our free cash flow forecast template (see the link above), this will be automatically calculated for you. 3. Net cash flow - the balance. This final section is the difference between your total revenue (A) and your total expenses (B). e.g. "total income (A) - total expenses (B) = Net cash flow". If this figure is negative, it ...

  26. Business Planning & Financial Statements Template Gallery

    Finance Templates. From creating a startup budget to managing cash flow for a growing business, keeping tabs on your business's finances is essential to success. The templates below will help you monitor and manage your business's financial situation, create financial projections and seek financing to start or grow your business.

  27. | Practice

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