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Cash Flow Analysis for Business Startups
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created by the Northland Small Business Development Center
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www.northlandsbdc.org
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Revised February 26, 2025
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Note, this sheet is shared in a View Only format. To use the sheet for your projects, you or your client will need to click File - Make a Copy of the sheet and save on your own Google Drive. Note that to use this version, the user must have a Google account and be able to access Google Sheets.
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Items in red below apply to multiple sheets and need to be entered in this tab!
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General instructions:
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Blue cells must be input by user. All other cells are calculated.
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Sheet: Start Up Expenses
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Start Up Expenses will calculate one-time expenses and working capital available related to starting up a new business venture.
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Under Sources, enter the starting cash and loans to fund the business startup or current cash and loans for existing businesses. Loan names will automatically pull into the Loans sheet.
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Under uses, Assets should be business assets only. Start-up costs includes a list of typical business start up costs. Your business may not have all of the expenses listed. The list may be edited.
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Sheet: Loans
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Enter the lender name, original principal, interest rate (does not accomodate variable interest rates), and loan term in YEARS. This will calculate the monthly loan payment for use in the cash flow sheets.
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Sheet: Cash Flow - Year 1 through Year 3
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Enter income and expenses per month for Year 1 first. Payroll Tax and Loan Payments are automatically filled in for you.
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The calculated Loan Payments are only for those 3 listed on the Sources page. You can add an additional expense line item for additional loan payments if applicable.
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Cash Income (Income 1 through Income 3) represent different incomes such as different products or services. All income may be entered into one row if preferred.
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Cash Paid Out includes typical expenses a business may incur. Not all expense types will be applicable.
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Cells B3 through B55 are tan may be used for notes to clarify monthly expenses
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NOTE…….
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The Small Business Development Center (SBDC) has prepared this financial statement as of 03/05/2026 based on information and assumptions provided by management.
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Neither the SBDC nor its personnel are licensed by the State of MN to practice public accounting and therefore express no opinion or any other form of assurance
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on the statement or underlying assumptions.
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3/5/2026
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