12 Month Cash Flow Statement Template Excel
Looking for a 12 month cash flow statement template? This is a very important document to help you plan your business’ budget. It can help you manage your cash flows more efficiently. This is because it is usually comprised of one or more spreadsheets that you can use to create your reports. They usually have section headings, and some of the sections include the following:
Budget overview. This gives you an overview of how your month’s budget works and what you can expect for future months. It is usually done in the operating budget. In this budget overview you will find information on your current assets, liabilities, revenues, expenses, and net worth. The budget overview will also show how much financing you require at the moment and how much cash is in reserve for the upcoming months. If you are looking for a budget statement template, then you need an operating budget template.
Loan balance sheet. This is a summary of your loan payments. This will show the balance between your outstanding loans and any current financial obligations that are based on these loans. You will also find financial obligations, such as debt and equity loans.
Loan repayment balance. This is the amount by which your outstanding loans balance exceeds your current financial resources. This will usually show the outstanding amount for all of your loans, the difference between your capital and your available capital, and your monthly loan repayment obligation. In order to get a better idea of your loan repayment obligation, you can use the loan repayment calculator found in the excel worksheet of your loans. This will help you estimate the total amount by which your loans plus your regular expenses exceed your capital.
The current balance. This is the current account balance. This shows the current position of your accounts receivable, accounts payable, and the total number of days until your next payment due.
Your gross margin percentage. The percentage of your gross sales that are profit. You can calculate this by dividing your sales amount by the cost of good sold. An appropriate cash flow statement template excel has figure viewer options that allow you to view your figure quickly and easily.
The amount of cash on hand. This is the amount of money that you currently have available to do business. It will show you if your current line of credit is sufficient to meet your loan repayments. To determine if your cash on hand is sufficient, calculate the average number of months it takes to pay off a line of credit. If your current line of credit is sufficient, then calculate how much more money you will need to borrow.
The gross monthly payment made. This is the total monthly payment that is made to your lender. When considering a new loan, you should consider the effect of any applicable fees and interest.
The balance of your loans. This is the outstanding balance on your current loans. It is the negative of your loan balance. Any positive balance on your loans will be offset by the negative balance. An appropriate cash flow statement template Excel has figure viewer options that allow you to view your figure quickly and easily.
The annual percentage rate for your loans. This is the interest rate that you are paying on your loans. An appropriate cash flow statement template Excel has to calculate various scenarios to see how your payments are likely to change. This allows you to plan your budget and payments for future years in advance. A good example is to calculate what your payment will be in 12 months when you take a loan at a certain date and interest rate.
The total number of months that your loans have been outstanding. This is how long your current loan is and will determine how much you pay over time. An appropriate Excel template has figure viewer options that allow you to view your figure quickly and easily. An example is to calculate the amount you would owe at the end of each one of your loan months. Knowing this information will allow you to budget and plan for payments in advance.
These are just a few of the most popular scenarios in a normal cash flow statement. There are many more, depending on the number of loans you have and the term of your loans. The more complex your financial situation, the more Excel templates that you should consider.