Why Every Small Business Needs a 12-Month Cash Flow Statement

Get your FREE Downloadable Cash Flow Spreadsheet>>>

Running a small business isn’t just about passion—it’s about numbers. One of the most powerful tools for keeping your business healthy is a 12-month cash flow statement. This simple document helps you track when money is coming in, when it’s going out, and whether you’ll have enough cash on hand to cover expenses.

Why Cash Flow Matters

• Predictability: See potential shortfalls before they happen.

• Decision-making: Know when you can invest in growth or need to cut back.

• Confidence: Share clear financial projections with lenders, investors, or partners.

  
  

The SCORE Advantage

SCORE, a nonprofit dedicated to helping small businesses succeed, offers a free

cashflow spreadsheet. It’s designed to be easy to use—even if you’re not a financial expert. With this tool, you can:

• Map out monthly income and expenses.

• Spot seasonal trends in your business.

• Plan ahead for taxes, payroll, and big purchases.

Download the template HERE:

12-Month-Cash-Flow_0 (1).xlsx

Download XLSX • 70KB

Cash flow is the lifeblood of your business. By planning ahead with a clear 12-month view, you’ll not only avoid surprises—you’ll position yourself to grow with confidence.