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Cash Flow Budget Worksheet - Start-up First 6 Months

Haley Lamb

DSC 494

Bummy's Beach & Surf Shop


January

Beginning Cash Balance


Cash Inflows (Income/Sources):
Accts. Rec. Collections
Loan Proceeds
Sales & Receipts
Other:

February
$30,761.45

March
$68,153.24

April
$100,248.76

May
$124,174.86

June
$150,749.40

July
$188,141.20

August
$231,703.35

September
$275,465.49

October
$312,657.29

November
$345,802.19

December
$380,870.53

Total

$11,363.52
$0.00
$425,600.00

$1,869.00

$2,149.35

$1,925.07

$1,588.65

$1,682.10

$2,149.35

$2,429.70

$2,429.70

$2,149.35

$1,962.45

$2,055.90

$2,055.90

$70,000.00

$80,500.00

$72,100.00

$59,500.00

$63,000.00

$80,500.00

$91,000.00

$91,000.00

$80,500.00

$73,500.00

$77,000.00

$77,000.00

$0.00
$0.00
$436,963.52

Total Cash Inflows

$71,869.00
$71,869.00

$82,649.35
$113,410.80

$74,025.07
$142,178.31

$61,088.65
$161,337.41

$64,682.10
$188,856.96

$82,649.35
$233,398.75

$93,429.70
$281,570.90

$93,429.70
$325,133.05

$82,649.35
$358,114.84

$75,462.45
$388,119.74

$79,055.90
$424,858.09

$79,055.90
$459,926.43

Advertising
Bank Service Charges
Credit Card Fees
Delivery
Health Insurance
Insurance
Interest
Inventory/Supplies Purchases
Miscellaneous
Office Expenses
Payroll
Payroll Taxes
Professional Fees
Rent or Lease
Subscriptions & Dues
Operating/ OH Supplies
Taxes & Licenses
Utilities & Telephone
Other:

$400.00
$100.00
$1,050.00

$400.00
$100.00
$1,207.50

$400.00
$100.00
$1,081.50

$400.00
$100.00
$892.50

$400.00
$100.00
$945.00

$400.00
$100.00
$1,207.50

$400.00
$100.00
$1,365.00

$400.00
$100.00
$1,365.00

$400.00
$100.00
$1,207.50

$400.00
$100.00
$1,102.50

$400.00
$100.00
$1,155.00

$400.00
$100.00
$1,155.00

$42.40
$41.67
$167.33
$23,100.00

$42.40
$41.67
$167.33
$26,565.00

$42.40
$41.67
$167.33
$23,793.00

$42.40
$41.67
$167.33
$19,635.00

$42.40
$41.67
$167.33
$20,790.00

$42.40
$41.67
$167.33
$26,565.00

$42.40
$41.67
$167.33
$30,030.00

$42.40
$41.67
$167.33
$30,030.00

$42.40
$41.67
$167.33
$26,565.00

$42.40
$41.67
$167.33
$24,255.00

$42.40
$41.67
$167.33
$25,410.00

$42.40
$41.67
$167.33
$25,410.00

$300.00
$980.00
$41.16

$100.00
$980.00
$41.16

$300.00
$980.00
$41.16

$300.00
$980.00
$41.16

$100.00
$980.00
$41.16

$300.00
$980.00
$41.16

$100.00
$980.00
$41.16

$300.00
$980.00
$41.16

$100.00
$980.00
$41.16

$300.00
$980.00
$41.16

$300.00
$980.00
$41.16

$2,500.00

$2,500.00

$2,500.00

$100.00
$980.00
$41.16
$350.00
$2,500.00
$375.00

$2,500.00

$2,500.00

$2,500.00

$2,500.00

$2,500.00

$2,500.00

$2,500.00

$2,500.00

$5,310.00
$325.00

$6,037.50
$325.00

$5,407.50
$325.00

$4,462.50
$325.00

$4,725.00
$325.00

$6,037.50
$325.00

$6,825.00
$325.00

$6,825.00
$325.00

$6,037.50
$325.00

$5,512.50
$325.00

$5,775.00
$325.00

$5,775.00
$325.00

$2,400.00
$600.00
$6,384.00
$0.00
$254.38
$250.00
$1,003.98
$140,448.00
$0.00
$1,200.00
$5,880.00
$246.96
$350.00
$15,000.00
$375.00
$0.00
$31,980.00
$1,950.00

Subtotal

$34,357.55

$38,507.55

$35,179.55

$30,412.55

$31,357.55

$38,507.55

$43,117.55

$42,917.55

$38,707.55

$35,567.55

$37,237.55

$37,237.55

$208,322.32

Capital Purchases
Loan Principal
Owner's Draw
Other:

$500.00
$6,250.00

$500.00
$6,250.00

$500.00
$6,250.00

$500.00
$6,250.00

$500.00
$6,250.00

$500.00
$6,250.00

$500.00
$6,250.00

$500.00
$6,250.00

$500.00
$6,250.00

$500.00
$6,250.00

$500.00
$6,250.00

$500.00
$6,250.00

$0.00
$3,000.00
$37,500.00

$6,750.00
$41,107.55
$30,761.45

$6,750.00
$45,257.55
$68,153.24

$6,750.00
$41,929.55
$100,248.76

$6,750.00
$37,162.55
$124,174.86

$6,750.00
$38,107.55
$150,749.40

$6,750.00
$45,257.55
$188,141.20

$6,750.00
$49,867.55
$231,703.35

$6,750.00
$49,667.55
$275,465.49

$6,750.00
$45,457.55
$312,657.29

$6,750.00
$42,317.55
$345,802.19

$6,750.00
$43,987.55
$380,870.53

$6,750.00
$43,987.55
$415,938.88

Available Cash Balance


ash Outflows (Expenses/Uses):

Other Cash Out Flows:

Subtotal
Total Cash Outflows
Ending Cash Balance

Page 1

$40,500.00
$248,822.32

Budget Item
Legal, Accounting & Professional Services
Marketing/Per Month
Rent (if renting space)
Advertising & Promotions
Deposits for Utilities
Licenses & Permits
Insurance
Salary & Wages
Payroll Taxes
Trucks & Vehicle
Travel
Tools & Supplies
Furniture & Fixtures
Machines & Equipment
Building Improvements
Land & Buildings
Starting Inventory
Cash (Working Capital)
Other (specify)
Total

$
$
$
$
$
$
$
$
$

Budget
2,500.00
600.00
2,000.00
1,000.00
300.00
175.00
380.00
980.00
41.16

$
$
$
$
$
$
$

1,000.00
1,000.00
2,000.00
2,500.00
800.00
4,500.00
30,000.00

49,776.16 $

Actual

Notes:
Legal, Accounting & Professional Services professional fees associated with registering your legal form of business, review
Marketing, Advertising & Promotions includes all promotional costs associated with opening your business.
Deposits for Utilities advance payments required to obtain electric, gas, telephone, water and sewer.
Licenses & Permits - fees for licenses, permits and other requirements related to starting your business and making its oper
Insurance advance payments required to obtain business insurance that protects the contents of your business against fir
Salary & Wages payroll to owner and employees for training and business setup prior to opening the business.
Payroll Taxes usually 10-15% of gross payroll costs.
Truck & Vehicle includes mileage, parking, tolls, etc. prior to opening the business.
Travel include conference, hotel, meal and transportation charges for securing prospective distributors, suppliers, and cus
Tools & Supplies services, supplies and tools purchased for use in the business. ("Prior to opening")
Furniture & Fixtures acquisition cost plus installation expense. If you plan to pay by
installments, enter your down payment.
Machines & Equipment - acquisition cost plus installation expense. If you plan to pay by installments, enter your down paym
Building Improvements include costs of structural changes, repairs, HVAC upgrades, painting and decorating.
Land & Buildings include the down payment for lease, rent or purchase and deposits
required.
Starting Inventory include acquisition cost plus transportation.
Cash (Working Capital) amount of money you will need to maintain your business until you generate enough sales to cove
Other (specify) include those start-up costs that may be unique to your business and do not have an account listed on the

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

Variance
(2,500.00)
(600.00)
(2,000.00)
(1,000.00)
(300.00)
(175.00)
(380.00)
(980.00)
(41.16)
(1,000.00)
(1,000.00)
(2,000.00)
(2,500.00)
(800.00)
(4,500.00)
(30,000.00)
-

(49,776.16)

Fill in applicable amounts in yellow column

g your legal form of business, reviewing contracts and agreements and preparing financial information for your business plan. Also include
opening your business.
ater and sewer.
g your business and making its operations legal.
contents of your business against fire, theft and other losses.
r to opening the business.

ctive distributors, suppliers, and customers.


to opening")

installments, enter your down payment.


ainting and decorating.

il you generate enough sales to cover normal operating expenses.


do not have an account listed on the worksheet.

business plan. Also includes consultants and other professionals.

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