Cash Flow Statement Template

See where your cash is going before it becomes a problem.

Download a simple cash flow statement template to help track money coming in, money going out and the real cash position of your business.

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Cash inflows Cash outflows Monthly movement Better business decisions
What this template helps with

Use it to understand cash, not just profit.

A business can look profitable on paper and still feel short of cash. This template helps business owners track what is actually moving through the bank.

Cash in Track money received Record customer payments, owner funding, refunds, grants, loans and other cash received.
Cash out Track money paid out Capture supplier payments, payroll, VAT, tax, rent, software, loans and other business costs.
Cash position See your closing balance Understand whether cash is building, shrinking or simply moving around without a clear plan.
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Cash Flow Statement Template for SMEs

This template is designed to help small business owners organise monthly cash movement in a clear, practical way. It is useful for planning, reviewing cash pressure, preparing for tax payments and understanding the numbers before decisions are made.

  • Opening and closing cash balance sections
  • Cash received and cash paid out categories
  • Monthly movement view for business planning
  • Simple structure for owner review or accountant conversations
  • Useful alongside bookkeeping, VAT and management accounts
Download Cash Flow Template → Cash Flow Support →

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Important cash flow guidance

This template is for planning and organisation. It does not replace bookkeeping, management accounts, VAT records, tax planning or professional advice. Use it as a starting point to understand cash movement more clearly.

How to use it

Keep it simple. Use it monthly.

The value comes from using the template consistently, not filling it in once and forgetting about it.

Step 1 Start with your opening balance Use your bank balance at the start of the month as the opening point.
Step 2 Add cash received Enter customer payments and other cash received during the month.
Step 3 Record cash paid out Add supplier costs, payroll, tax, VAT, rent, software, loans and other payments.
Step 4 Review the closing balance Check whether cash has improved, reduced or stayed tight.
Step 5 Spot pressure points Look for months where tax, payroll, VAT or supplier costs create cash pressure.
Step 6 Use it for decisions Use the numbers before hiring, spending, pricing, borrowing or taking money out.
Real business issue Profit does not always mean cash

You may have invoices raised, work completed and profit showing, but still be waiting for money to arrive. Cash flow helps you see what is actually available to pay bills, staff, tax and suppliers.

Owner clarity Cash flow supports calmer decisions

When you know your cash position, decisions feel less reactive. You can plan for VAT, Corporation Tax, payroll, supplier payments and business investment with more confidence.

Related resources

Templates and tools that work well with this.

Template Profit & Loss Template Understand income, costs and whether the business is actually making money. Open Template → Template Business Cost Review Template Review costs, overheads and spending patterns that may be draining cash. Open Template → Tools Tax Tools Hub Use calculators to estimate VAT, Corporation Tax, payroll and director pay pressure. Browse Tools →

Need help turning cash flow into a proper plan?

The template gives you a starting point. A proper conversation helps you understand what the numbers mean, where the pressure sits and what to do next.

Book a Real Talk Call → Explore Management Accounts →
Cash flow is where pressure shows up first. If money feels tight despite sales, the issue may be timing, pricing, VAT, payroll, costs or poor visibility.
Cash Flow Template FAQs

Quick questions before using the template.

No. A Profit & Loss statement shows income and expenses. A cash flow statement focuses on money actually coming in and going out.
It is useful for small business owners, sole traders, startups and growing SMEs that want a clearer view of cash movement.
No. It is a planning resource. Proper bookkeeping is still needed for accurate records, VAT, tax, accounts and decision-making.
Yes. BondEsq can help review bookkeeping, cash flow, management accounts, tax planning and business cost pressure.
Use the template wisely

Download the template, then use the numbers to make better decisions.

Cash flow affects payroll, VAT, tax, supplier payments, owner drawings and growth decisions. Use this template as a practical starting point.

Download Template → Book a Real Talk Call →