The purpose of this Cash Flow Projection is to be used in conjunction with an application for a business loan through American Cash Solutions Inc. .  It is intended for use by my business customers and their C.P.A.s and is not intended for any other purpose. 

1)First Start With Cash On Hand (Beginning of Month)

Start of The Month plus(+) Cash Sales +Collections From accounts Receivables + Other Cash Bonuses=2)All/Total Cash Available(remember NO Cash has been Paid Out).

3)Cash Paid Out is accounted for as follows:

Purchase inventory+Gross Wages(before withdrawals)+Officer's Salaries+PayRoll Expenses(Taxes as well)+Outside Services+Supplies(Office/Ops)+Repairs and Maintenance+Advertising+Car/Delivery/Travel(depends on business sector)+Accounting/Legal+Rent+Telephone+Utilities+Insurance+Real Estate Taxes+Interest Expense+Owner's Withdrawal+Loan Principal Payments+Miscellaneous+Other Expense(reduplicate if more than one line item exist ie:+Other Expense +Other Expense)=4)Total Cash Paid Out

Now you must ask yourself, do I have a Cash Surplus or a Cash Defecit.  Most business owners already know in their head this answer on a daily and weekly basis but may not calculate this formally.  The formula is simple and lies in the calculations you did above!!!  Take 4)Total Cash Available minus Total Cash Paid Out=5)Cash Surplus or Cash Defecit.  Formally you will write Cash Surplus(Defecit)

6)Money Borrowed Monthly

7)Loan Repayment

8)Total Cash On Hand (End Of Month)

Impress and Build Your Reputation with your Accountant by being able to calculate this for yourself.  Know where your cash flow is going and identify where the most cash is being paid out as part of your cost cutting plan.  Having proper control of your expenses is what the bank is looking for.  If you can demonstrate control of your Cash Flow, then adding in the loan you are requesting as a factor of your Cash Flow will be easier for an Underwriter/Loan Committee to do in the form of a loan approval.