Three-Way Cash Flow Forecast for Small Businesses | Excel Template

Stay on top of your business cash flow, so you're never behind.

Surprise bank alerts, bills you forgot were coming, too many complicated apps? This three-way forecast puts your whole year in one simple Excel file: your profit, your cash and what your business owns and owes, all linked together. It's tidy enough to hand to your bank.

What's inside

• Inputs: the only tab you type in. Every input has a short, plain explanation next to it.
• Profit & Loss: are you making money each month?
• Balance Sheet: what your business owns and owes.
• Cash Flow: money actually going in and out of your bank, with any month below zero turning red.
• Dashboard: your one-page summary, with a month-by-month flag strip and charts.

Made for real small businesses

• 12-month forecast for up to 5 products, each with 5 cost lines (% of sales, fixed monthly or weekly)
• Seasonality, so busy and quiet months look right
• Bank loans, a fixed-term loan and money you lend the business yourself
• Owner dividends that are only paid when there's enough cash, with a warning if they're held back
• A worked example, Little Moon Studio (a small jewellery shop), already filled in so you can see how it works, then type over it with your own numbers

Good to know

• Instant download after purchase
• A short step-by-step video tutorial, available to customers and shared with your download after purchase
• Requires Microsoft Excel on Windows. Google Sheets won't support all features.
• No macros, nothing to install
• Works internationally. No country-specific tax rules built in.
• © Velvet Moth Atelier. For use in your own business only. Please don't copy, share or resell. See our Terms of Service.

Need it tailored to your business or country? Get in touch through velvetmothatelier.com.

This template is a planning tool, not financial, tax or legal advice.