12-Month Cash Flow Projection

A lender wants to know if the business will have actual cash on hand to pay its bills, not just whether it looks profitable on paper. This form tracks real cash coming in and going out each month, so a lender can see exactly when cash runs tight.

Profit and cash are not the same thing. A sale can show up as profit the day it happens, but the cash from that sale might not land in the bank for weeks. This form follows the cash itself.

Enter your beginning cash for month one below. Each month's ending cash automatically becomes the next month's beginning cash. Add or remove lines to match your business. Any month where cash would go below zero is flagged in red so you can plan ahead.