Cashflow Forecast Model.xlsx

	B	C	E	F	G	H	I	J	K	L	M	N	O	P	Q
1
2	Black numbers are formulas, DO NOT CHANGE.
3	Blue numbers are variables, update to be as accurate as possible for your situation.
4
5	Assumptions
6	Product Margins		50.0%
7	Gross Margin After CC Fees, Shipping, Everything		45.0%
8	State/Federal Combined Tax Rate		35.0%
9	PayPal/Shopify Revenue-Based Loan Repay Rate as % of Rev.		17.0%
10	Credit Card Average Interest Rate		25.0%
11	Interest Rate on Line of Credit		10.0%
12
13	Cashflow Forecasting Model
14
15
16			Dec	Jan	Feb	Mar	Apr	May	Jun	July	Aug	Sept	Oct	Nov	Dec
17
18	Starting Balances
19		Starting Cash Balance	$435,000	$508,333	$522,181	$653,044	$767,158	$752,075	$657,794	$444,690	$429,763	$585,275	$887,452	$1,506,681	$2,522,213
20		Starting Shopify/PayPal Revenue-Based Loan Balance	0	57,500	3,950	0	0	0	0	0	0	0	0	0	0
21		Starting Credit Card Balance	50,000	47,500	45,000	42,500	40,000	37,500	35,000	32,500	30,000	27,500	25,000	22,500	20,000
22		Starting Line of Credit Balance	0	0	0	0	0	0	0	0	0	0	0	0	0
23
24	New Borrowing
25		Additional Borrowings from Credit Card	0	0	0	0	0	0	0	0	0	0	0	0	0
26		Additional Amount Borrowed from LOC	0	0	0	0	0	0	0	0	0	0	0	0	0
27		Added to Shopify/PayPal Loan Balance	100,000	0	0	0	0	0	0	0	0	0	0	0	0
28
29	Basic P&L
30		Projected Revenue	250,000	315,000	400,000	500,000	400,000	300,000	150,000	400,000	615,000	800,000	1,200,000	1,700,000	300,000
31		Product COGS	125,000	157,500	200,000	250,000	200,000	150,000	75,000	200,000	307,500	400,000	600,000	850,000	150,000
32		Non-Product Variable COGS (Shipping, CC Fees, etc)	12,500	15,750	20,000	25,000	20,000	15,000	7,500	20,000	30,750	40,000	60,000	85,000	15,000
33		Advertising Expense	50,000	50,000	50,000	50,000	50,000	50,000	50,000	50,000	50,000	50,000	50,000	50,000	50,000
34		Fixed Expenses & Overhad (Salaries, Rent, etc)	75,000	75,000	75,000	75,000	75,000	75,000	75,000	75,000	75,000	75,000	75,000	75,000	75,000
35		Net Income	(12,500)	16,750	55,000	100,000	55,000	10,000	(57,500)	55,000	151,750	235,000	415,000	640,000	10,000
36
37	Principle Repayments
38		Credit Cart Principle Payments	2,500	2,500	2,500	2,500	2,500	2,500	2,500	2,500	2,500	2,500	2,500	2,500	2,500
39		Line of Credit Principle Payments	0	0	0	0	0	0	0	0	0	0	0	0	0
40
41	Interest & Loan Payments
44		Shopify/PayPal Revenue-Based Loan Payments	42,500	53,550	3,950	0	0	0	0	0	0	0	0	0	0
45		Credit Card Interest	1,042	990	938	885	833	781	729	677	625	573	521	469	417
46		Line of Credit Interest	0	0	0	0	0	0	0	0	0	0	0	0	0
47
48	Non-Interest Cash Expenditures
49		Non-Product Variable COGS (Shipping, CC Fees, etc)	12,500	15,750	20,000	25,000	20,000	15,000	7,500	20,000	30,750	40,000	60,000	85,000	15,000
50		Advertising Expense	50,000	50,000	50,000	50,000	50,000	50,000	50,000	50,000	50,000	50,000	50,000	50,000	50,000
51		Fixed Expenses & Overhead (Salaries, Rent, etc)	75,000	75,000	75,000	75,000	75,000	75,000	75,000	75,000	75,000	75,000	75,000	75,000	75,000
53		Actual Tax Payments Made	(4,375)	5,863	19,250	35,000	19,250	3,500	(20,125)	19,250	53,113	82,250	145,250	224,000	3,500
54		PO and Customs/Freights Payments (See Schedule Below)	100,000	100,000	100,000	200,000	250,000	250,000	250,000	250,000	250,000	250,000	250,000	250,000	250,000
55		Other Dividends Paid	0	0	0	0	0	0	0	0	0	0	0	0	0
56		Total Cash Outflows	276,667	301,152	269,138	385,885	415,083	394,281	363,104	414,927	459,488	497,823	580,771	684,469	393,917
57
58	Ending Balances
59		Ending Shopify/PayPal Revenue-Based Loan Balance	57,500	3,950	0	0	0	0	0	0	0	0	0	0	0
60		Ending Credit Card Balance	47,500	45,000	42,500	40,000	37,500	35,000	32,500	30,000	27,500	25,000	22,500	20,000	17,500
61		Ending Line of Credit Balance	0	0	0	0	0	0	0	0	0	0	0	0	0
62		Ending Cash	$508,333	$522,181	$653,044	$767,158	$752,075	$657,794	$444,690	$429,763	$585,275	$887,452	$1,506,681	$2,522,213	$2,428,296
63
64	PO Payment Schedule
65
66			Dec	Jan	Feb	Mar	Apr	May	Jun	July	Aug	Sept	Oct	Nov	Dec
67	Major Shipments:										100,000			100,000	50,000
68		Purchase Order #1	100,000			100,000	50,000					100,000			100,000
69		Purchase Order #2		100,000			100,000	50,000					100,000
70		Purchase Order #3			100,000			100,000	50,000					100,000
71		Purchase Order #4				100,000			100,000	50,000					100,000
72		Purchase Order #5					100,000			100,000	50,000
73		Purchase Order #6						100,000			100,000	50,000
74		Purchase Order #7							100,000			100,000	50,000
75		Purchase Order #8								100,000			100,000	50,000
76	Total PO and Customs/Freight Payments		100,000	100,000	100,000	200,000	250,000	250,000	250,000	250,000	250,000	250,000	250,000	250,000	250,000
77
78	Cashflow Forecasting Model created, published and copyright 2026 by eComFuel.
79
80
81
82
83
84
85
86
87
88
89
90
91
92
93
94
95
96
97
98
99
100
101
102
103