Monthly Cash Flow Projection

Annual
Jan-09 Feb-09 Mar-09 Apr-09 May-09 Jun-09 Jul-09 Aug-09 Sep-09 Oct-09 Nov-09 Dec-09 Totals
Collection of Opening A/R
CASH RECEIPTS % of Sales
Cash Sales % 25 12,500 12,500 13,000 13,500 14,000 14,000 14,500 12,500 14,000 15,000 15,000 15,000 165,500
30 Days 45 22,500 22,500 23,400 24,300 25,200 25,200 26,100 22,500 25,200 27,000 27,000 270,900
60 Days 20 10,000 10,000 10,400 10,800 11,200 11,200 11,600 10,000 11,200 12,000 108,400
90 Days 10 - - - - - - - - - -
TOTAL CASH RECEIPTS
12,500 35,000 45,500 46,900 48,700 50,000 50,900 49,800 48,100 50,200 53,200 54,000 544,800

Loan or Other Cash Injection 75,000 75,000

TOTAL CASH IN
87,500 35,000 45,500 46,900 48,700 50,000 50,900 49,800 48,100 50,200 53,200 54,000 619,800
CASH PAID OUT
Payment of accounts payable previous period -
Purchases (Merchandise) 26,100 26,100 27,144 28,188 29,232 29,232 30,276 26,100 29,232 31,320 31,320 31,320 345,564
Wages 6,500 6,500 5,000 5,000 5,000 6,500 6,500 6,500 6,500 6,500 6,500 6,500 73,500
Benefits -
Management Wages 2,000 2,000 2,000 2,000 2,000 2,000 2,000 2,000 2,000 2,000 2,000 2,000 24,000
Supplies (Office and operating) 250 250 250 500 500 500 750 750 750 1,000 1,000 1,000 7,500
Repairs and Maintenance 1,000 1,000 1,000 2,000 2,000 2,000 4,000 4,000 4,000 6,000 6,000 6,000 39,000
Advertising 500 500 500 500 500 500 500 500 500 500 500 500 6,000
Auto, Delivery, and Travel 750 750 750 750 750 750 750 750 750 750 750 750 9,000
Accounting and Legal 250 250 250 250 250 250 250 250 250 250 250 250 3,000
Rent 2,000 2,000 2,000 2,000 2,000 2,000 2,000 2,000 2,000 2,000 2,000 2,000 24,000
Telephone 250 250 250 250 250 250 250 250 250 250 250 250 3,000
Utilities 1,000 1,500 2,000 2,000 2,000 2,000 2,000 2,000 2,000 2,000 2,000 2,000 22,500
Insurance 500 500 500 500 500 500 500 500 500 500 500 500 6,000
Taxes (Real Estate, etc.) -
Interest 1,000 1,000 1,000 1,000 1,000 1,000 1,000 1,000 1,000 1,000 1,000 1,000 12,000
Other Expenses [Specify each] -
Miscellaneous [Unspecified] 250 250 250 250 250 250 250 250 250 250 250 250 3,000
Subtotal 42,350 42,850 42,894 45,188 46,232 47,732 51,026 46,850 49,982 54,320 54,320 54,320 578,064
Loan Principal Payment 4,000 4,000 4,000 4,000 4,000 4,000 4,000 4,000 4,000 4,000 4,000 4,000 48,000
Interest 1,200 1,200 1,200 1,200 1,200 1,200 1,200 1,200 1,200 1,200 1,200 1,200 14,400
Fixed Asset Purchases 50,000 50,000
-
-
-
TOTAL CASH PAID OUT
97,550 48,050 48,094 50,388 51,432 52,932 56,226 52,050 55,182 59,520 59,520 59,520 690,464
Surplus
(10,050) (13,050) (2,594) (3,488) (2,732) (2,932) (5,326) (2,250) (7,082) (9,320) (6,320) (5,520) (70,664)
ESSENTIAL OPERATING DATA

Opening Bank Balance 50,000 39,950 26,900 24,306 20,818 18,086 15,154 9,828 7,578 496 (8,824) (15,144) (20,664)
Accounts Receivable [End of Month] - 37,500 52,500 59,000 66,100 73,400 79,400 86,500 86,700 94,600 104,400 111,200 117,200
Inventory on Hand [End of Month] - 10,000 10,000 10,000 10,000 10,000 10,000 10,000 10,000 10,000 10,000 10,000 10,000
Accounts Payable [End of Month] - - - - - - - - - - - - -