Link To Template:

https://docs.google.com/spreadsheets/d/1Z-UrrbM61QHVIXCOUQ_sorGbQjSdhNAJV6R_Ljy3ZJQ/edit?usp=sharing

What it’s for

A simple 12-week cashflow forecast to help you predict cash in/out weekly, spot upcoming cash crunches early, and make decisions (hiring, marketing spend, inventory, owner pay) with confidence instead of guessing.

Who it’s for

• Small and Medium Business owners and operators who don’t have a CFO but need clarity on cash
• Service businesses with payroll and variable job volume
• Businesses doing roughly €80k–€2M/year that feel “profitable on paper” but still get surprised by cash dips
• Owners preparing for growth, a loan, or an eventual exit

Inputs needed

• Starting bank balance (today)
• Expected cash inflows by week, split into:
  • Cash sales / card sales
  • Invoices expected to be paid (and when)
  • Other income (VAT refunds, loans, owner injections, etc.)
• Expected cash outflows by week, split into:
  • Payroll (including taxes/contractors)
  • Rent/lease
  • Software/subscriptions
  • Marketing/ads
  • Suppliers/materials
  • Debt payments (loans, credit cards)
  • Taxes/VAT set-asides
  • Owner salary
• (Optional but powerful)
  • Payment terms (when customers actually pay)
  • Big one-off expenses coming up (insurance, annual tools, accountant, etc.)

Common mistakes

• Mixing profit with cash (P&L ≠ bank balance)