Cash Flow Projection Worksheet

Interest Rate 6.5 Total Amount of Loan Check Amount (After fees for
Loan Term (months) 96 <-- Select from Your Interest Rate (%) (Principle+ Interest) origination & filing)
Type of Loan Start-Up Business dropdown 6.50 $220,992.00 $190,850.00
Amount Requested $207,500.00 <--Type amount requested

MONTHLY CASH FLOW PROJECTION

Longevity for Life Pre Month 1 Month 2 Month 3 Month 4 Month 5 Month 6 Month 7 Month 8 Month 9 Month 10 Month 11 Month 12 TOTAL
Start-Up Estimated Estimated Estimated Estimated Estimated Estimated Estimated Estimated Estimated Estimated Estimated Estimated Estimated
BEGINNING CASH ON HAND $ 140,000 $ 16,500 $ 12,833 $ 7,220 $ 5,353 $ 5,586 $ 8,019 $ 8,552 $ 9,239 $ 9,478 $ 10,316 $ 10,354 $ 9,393 $112,844
TOTAL REVENUES & RECEIPTS:
Chiropractic Adjustment $ 3,080 $ 3,980 $ 4,480 $ 5,480 $ 6,480 $ 7,480 $ 8,280 $ 8,780 $ 9,280 $ 9,480 $ 9,680 $ 9,780 $ 86,260
* Sales Tax Applicable Sales * $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ -
Loan Amount $ 207,500 $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ -
Orthopedic visit $ 5,280 $ 6,080 $ 7,680 $ 8,780 $ 9,980 $ 11,080 $ 11,880 $ 12,280 $ 12,880 $ 13,080 $ 13,280 $ 13,380 $ 125,660
Total revenue $ 8,360 $ 10,060 $ 12,160 $ 14,260 $ 16,460 $ 18,560 $ 20,160 $ 21,060 $ 22,160 $ 22,560 $ 22,960 $ 23,160 $ 211,920
TOTAL CASH AVAILABLE $ 347,500 $ 24,860 $ 21,193 $ 19,326 $ 19,559 $ 23,992 $ 26,525 $ 28,712 $ 30,299 $ 31,638 $ 32,876 $ 33,314 $ 32,553 $ 324,848

CASH PAID OUT:

Purchases (Inventory) $ 500 $ 500 $ 500 $ 500 $ 500 $ 500 $ 500 $ 500 $ 500 $ 500 $ 500 $ 500 $ 6,000
Supplies (office & operations) $ 5,000
Leashold Improvements $ 100,000
Purchases (equipment/furnishings) $ 200,000 $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ 200,000
Wages and Payroll Taxes $ - $ 1,349 $ 1,349 $ 1,349 $ 1,349 $ 1,349 $ 6,745
Advertising $ 10,000 $ 1,250 $ 1,250 $ 1,250 $ 1,250 $ 1,250 $ 1,250 $ 1,250 $ 1,250 $ 1,250 $ 1,250 $ 1,250 $ 1,250 $ 25,000
Car, Delivery, Travel $ - $ - $ - $ - $ - $ -
Accounting & Legal $ 1,500 $ 250 $ 250 $ 250 $ 250 $ 250 $ 250 $ 250 $ 250 $ 250 $ 250 $ 250 $ 250 $ 4,500
Rent/Mortgage $ 13,500 $ 6,571 $ 6,571 $ 6,571 $ 6,571 $ 6,571 $ 6,571 $ 6,571 $ 6,571 $ 6,571 $ 6,571 $ 6,571 $ 6,571 $ 92,350
Telephone & Utilities $ 1,000 $ 800 $ 800 $ 800 $ 800 $ 800 $ 800 $ 800 $ 800 $ 800 $ 800 $ 800 $ 800 $ 10,600
Insurance $ 300 $ 300 $ 300 $ 300 $ 300 $ 300 $ 300 $ 300 $ 300 $ 300 $ 300 $ 300 $ 3,600
Loan Payment(s) $ - $2,302 $ 2,302 $ 2,302 $ 2,302 $ 2,302 $ 2,302 $ 2,302 $ 2,302 $ 2,302 $ 2,302 $ 2,302 $ 2,302 $ 27,624
TOTAL CASH PAID OUT $ 331,000 $ 12,027 $ 11,973 $ 11,973 $ 11,973 $ 11,973 $ 11,973 $ 11,973 $ 13,321 $ 13,322 $ 13,322 $ 13,322 $ 13,322 $ 150,473
Monthly Profit/Loss $ - $ (3,667) $ (1,913) $ 187 $ 2,287 $ 4,487 $ 6,587 $ 8,187 $ 7,739 $ 8,838 $ 9,238 $ 9,638 $ 9,838 $ 61,447
$ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ -
Owner's wages $ - $ 2,000 $ 2,000 $ 2,000 $ 4,000 $ 6,000 $ 7,500 $ 7,500 $ 8,000 $ 9,200 $ 10,600 $ 11,200 $ 70,000
Ending CASH POSITION $ 16,500 $ 12,833 $ 7,220 $ 5,353 $ 5,586 $ 8,019 $ 8,552 $ 9,239 $ 9,478 $ 10,316 $ 10,354 $ 9,393 $ 8,031 $ 120,875
Your "ending cash position" carries over to be your "beginning cash on hand" for the following month.

working capital
bought auto Column #1 is your beginning loan and purchases to get ready to open. All of your Source and Use of Funds should show in this column.
loan amount The Month 1 column is where you start recording your revenue and sales. Remember to grow slowly! No business opens their doors
bought building and is overwhelmed immediately with tons of customers.
Grand Opening $ - As you move through the months think of: Seasonality of your business, growth of your business as you become known and advertise,
Bought equip. the monthly expenses associated with the business (utilities, wages, purchasing inventory, advertising, etc). As your revenue grows you may need
to hire more people.
MONTHLY CASH FLOW PROJECTION
Longevity for Life
BEGINNING CASH ON HAND
TOTAL REVENUES & RECEIPTS:
Chiropractic Adjustment
* Sales Tax Applicable Sales *
Loan Amount
Orthopedic visit
Total revenue
TOTAL CASH AVAILABLE
CASH PAID OUT:
Purchases (Inventory)
Supplies (office & operations)
Payroll
Payroll Expenses (taxes, etc.) $
Leashold Improvements
Purchases (equipment/furnishing$
Wages and Payroll Taxes
Meals & Entertainment
Advertising
Auto Payment
Car, Delivery, Travel
Accounting & Legal
Rent/Mortgage
Telephone & Utilities
Insurance
Loan Payments
TOTAL CASH PAID OUT
Monthly Profit/Loss
Owner's wages
Ending CASH POSITION
Month 3
Estimated
$ 7,166
$ 4,480
$ -
$ -
$ 7,680
$ 12,160
$ 19,326
$ 500
$ -
-
-
$ -
$ 1,250
$ -
$ -
$ 250
$ 6,571
$ 800
$ 300
$ 2,356
$ 12,027
$ 133
$ -
$ 2,000
$ 5,299