Man turning knob to increase income and cash flow level. Composite image between a hand photography and a 3D background. concept: cash flow statement template
Guillermo Jimenez
By: gjimenez
Read in 7 minutes

Cash Flow Statement Template – FREE Downloadable

Financial statements might seem complex and tedious documents. Some might even think that working on them involves investing a lot of time and there’s not enough ROI. 

But the truth is that financial statements, like a cash flow statement, are incredibly powerful tools that are easy to work on, and even better, they can give you the knowledge you need to take your small business to the next level.

In this article, we’ll give you a FREE downloadable cash flow statement template, we’ll also explain how to use it to help your business succeed.

cash flow statement template

What is a cash flow statement

A cash flow statement helps you understand the cash generated and spent during a specific period of time. This allows you to manage your business finances and accounting so you can ensure the future of your small business.

How?

By helping you understand if you have the cash capacity to pay your debt obligations and fund any investments or operating expenses.

#DidYouKnow
It’s also called Statement of cash flows.

Benefits of using a cash flow statement template

You could, of course, create your cash flow statement from scratch, but that’ll take the time you could otherwise use to manage your business. 

It’s better to use a template, because that means you don’t have to design it nor do any math, you only need to type in important information and the cash flow statement template will do all the calculations for you. 

In just some minutes, you’ll have all the information you need to steer your business in a more successful direction.

And you don’t have to look around for a good cash flow statement template, we’ve got you covered with a FREE and easy-to-use template.

Download our cash flow statement template

cash flow statement template

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The Camino Financial cash flow statement template: sections 

Using our cash flow statement template is quite easy. But first, let’s get ourselves acquainted with the 3 different sections.

Operating activities

In this section, you need to type in the cash generated and spent in relation to your regular business activity.

Cash generated:

  • Customers: money paid by your clients (invoices)
  • Other operations: any other activities that help you generate cash in relation to your products or services

Cash spent:

  • Inventory purchases: how much you spend to buy inventory
  • General operating and administrative expenses: everything you spend to manage your business and sell products/services
  • Wage expenses: how much you spend on payroll
  • Interest: the cash you spend on paying the interest of a loan  (just add the interest)
  • Income taxes: tax expenses

Investing activities

This section revolves around the cash generated and spent in relation to investments and long-term assets, like buying equipment, making renovations, etc.

Cash generated:

  • Sale of property and equipment: the cash you get from selling property or equipment
  • Collection of principal on loans: money generated if you’ve made any loans to other companies or clients
  • Sale of investment securities: the cash you get from selling investment securities

Cash spent:

  • Purchase of property and equipment: the cash you spend from buying property and equipment
  • Making loans to other entities: how much you’ve spent if you’ve made any loans to other companies or clients
  • Purchase of investment securities: the cash you spend from selling investment securities

Financing activities

In this section, you’ll find the cash generated and spent in relation to loans, stocks, bonds, lines of credit, shareholders, or owner’s equity

Cash generated:

  • Issuance of stock: cash generated when selling your stocks
  • Borrowing: the cash you get from a loan

Cash spent:

  • Repurchase of stock (treasury stock): cash spend when re-buying your stocks
  • Repayment of loans: the cash you spend on paying the principal of a loan (add just the principal)
  • Dividends: payments of earnings to shareholders

Why are loans divided into financing and operating activities?
All interest is considered an operating activity because it is an expense related to acquiring an asset (whether it be cash, equipment, and so forth). But the principal is considered a financing activity.

How to fill the template

Now that you understand all the sections and items in the cash flow statement template, let’s work on the template. 

Make sure you only complete the blue-shaded cells.

1. Start by adding your business’ name (B2) and today’s date (L2).

Camino Financial, cash flow statement template

2. Decide what 12-month period you’ll analyze and then add each month/year (C7 to N7).

Camino Financial, cash flow statement template

3. Add the cash your business had at the beginning of the first month (C9).

Camino Financial, cash flow statement template

4. Complete each of the sections and subsections from your business data (all the rest of the blue-shaded cells). We recommend filling all the sections of one month before starting on the next one.

Camino Financial, cash flow statement template

5. See how the cash flow of each month appears! (C12 to N12)

Camino Financial, cash flow statement template

Download the FREE cash flow statement template

As you can see, using our cash flow statement template is not that complicated, and it will help you better understand your business finances. 

That’s because at Camino Financial we want to help you grow your business and become successful. After all, our motto is “No Business Left Behind.”

Download the FREE cash flow statement!

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