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Small Business Finance Starter

Cash flow forecast & P&L, bookkeeping, invoices and pricing: four spreadsheets for one small business

Small Business Finance Starter: Cash flow, bookkeeping, invoices and pricing · 4 spreadsheets
Cash flow, bookkeeping, invoices and pricing · 4 spreadsheets
  • Small Business Finance Starter: Cash flow, bookkeeping, invoices and pricing · 4 spreadsheets
  • 4 tools, one routine: From the price you charge to the cash in your account
  • Your cash, 12 months ahead: Cash now, year-end cash, the lowest point — and early warnings
  • Books that tell you what to fix: Profit, year to date, what needs attention and your tax set-aside
  • Know who owes you: Balance by age, today's follow-ups, top clients and invoice status
  • Your recommended price: Covers materials, your time, overhead, fees and shipping
  • From price to profit: How the four fit into your week and month
  • What's included: 4 spreadsheets — formulas done for you

from $34 on Etsy

Price on Etsy may vary (sales, your currency).

View on Etsy
  • Google Sheets + Excel versions included
  • Instant digital download, nothing is shipped
  • Sample data and a Start Here tab
  • One-time purchase, no subscription

Works in Google Sheets (free Google account) and Microsoft Excel 2016 or newer.

The money side of a small business in four spreadsheets: price your products for profit, send invoices and chase late payers, keep your books with a tax set-aside, and forecast your cash 12 months ahead with a profit & loss. Made for freelancers, makers and small businesses.

What's included

  • Cash Flow Forecast & P&L

    A 12-month cash flow forecast that switches to actuals as you log real money in and out. Cash now, year-end cash, the lowest point and early warnings; profit & loss with gross, operating and net margins; best / base / worst case scenarios. 8 tabs.

  • Small Business Bookkeeping

    Income and expense tracker with categories, a receipt check and flags for rows to fix; monthly profit & loss; a tax set-aside with Covered / Short / Past due by quarter; and a one-page Year Summary for tax time. 8 tabs.

  • Invoice & Receivables Tracker

    Log invoices, partial payments and clients; see who owes you, what's late and who to chase today. Printable itemized invoice, ready-made reminder emails, an AR aging report and average days to get paid per client. 8 tabs.

  • Pricing Calculator

    Materials, your labor, overhead and selling fees turned into a recommended price for every product, plus break-even, wholesale vs retail, price scenarios and what you really earn per hour. 8 tabs.

Why the set

  • Covers the whole loop: price it → invoice it → book it → forecast it
  • Same cream-cell / gray-cell rules in all four, so you learn them once
  • Each file has a "What needs attention" list or warnings, so you know what to fix first
  • Sample data in every file so you can see it working; clearing it takes a few minutes
  • Any currency. Built by a data analyst: every number is a formula you can trace. No subscription, no app

How you get it

  1. Download on Etsy

    Buy the set on Etsy, then download START-HERE.pdf and the Excel .zip from your Purchases.

    How to download

  2. Make a copy

    Click each MAKE A COPY button in the PDF, one per spreadsheet: your copies are saved to your Google Drive. Prefer Excel? Open the .xlsx files.

    How to make your copy

  3. Start

    Follow the Start Here tab. Type in the cream cells; the gray cells do the math for you.

    Clearing the sample data

You receive:

  • START-HERE.pdf — Google Sheets links + quick guide
  • small-business-finance-starter-excel.zip — Excel versions, one folder per template

Good to know

  • These are four separate files: nothing is linked between them, so each one also works on its own. Bookkeeping is for your day-to-day records; Cash Flow Forecast is for planning ahead. Once a month, type each category's monthly total from Bookkeeping's Monthly P&L as one row in Cash Flow Forecast, so you never log the same sale twice.
  • Sample fees in the Pricing Calculator are examples — type your own from your platform's fee page.
  • Prices and totals exclude sales tax / VAT you collect from buyers.
  • Best used on a computer; you can view them in the Google Sheets app on your phone.
  • For use in one business. Please do not resell or share the files.

Planning and record-keeping tools, not accounting, tax or financial advice.

Designed by me with the help of AI tools.

View Small Business Finance Starter on Etsy

Templates in this set

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