Cash flow forecast templates by industry

• Small Business

  A general forecast for service and product businesses that want a clear view of the next 13 weeks and 12 months.

• Startup

  For founders who need to know their runway, plan a raise and show investors a credible cash plan with little or no trading histor…

• Restaurant

  Built around daily card settlements, weekly food and beverage purchases, tip payouts and the seasonal swings every restaurant liv…

• Café & Coffee Shop

  For cafés with high daily transaction counts, thin margins, and weekly coffee, milk and bakery orders.

• Construction

  Handles progress billing, retainage held back by clients and the gap between paying crews and getting paid on a project.

• Contractor & Trades

  For plumbers, electricians, HVAC and other trades balancing job deposits, van costs and parts on account.

• Real Estate & Rental Property

  Tracks rent roll, vacancies, mortgage payments and the capital expenses landlords forget to plan for.

• Property Development

  For developers juggling land costs, construction draws, sales deposits and loan interest over a multi-year project.

• Nonprofit

  Separates restricted and unrestricted funds and plans around grant timing, campaign seasons and reimbursement delays.

• Church & Ministry

  For churches and ministries planning around weekly giving, seasonal peaks and building or mission commitments.

• Ecommerce

  Models inventory purchases months ahead of sales, marketplace payout delays and ad spend that has to be paid before it earns.

• SaaS

  Built around monthly and annual subscriptions, churn, collection timing and runway, the numbers boards and investors ask about fi…

• Retail Store

  For shops planning stock buys ahead of peak seasons and managing daily takings against supplier terms.

• Consulting & Agency

  For agencies and consultancies with retainers, project milestones and clients who pay on 30 to 60 day terms.

• Freelancer

  For freelancers and solo operators smoothing irregular client payments into a steady personal income.

• Medical Practice

  Handles insurance reimbursement lag, patient copays and the payroll that runs every two weeks regardless.

• Dental Practice

  For dental practices managing insurance claims, patient financing payouts and lab fees.

• Law Firm

  Separates trust account money from operating cash and plans around slow collections and contingency outcomes.

• Manufacturing

  Models raw material purchases, production runs and customer payment terms that stretch working capital.

• Trucking & Logistics

  For carriers and owner-operators balancing fuel, maintenance and factoring against slow shipper payments.

• Farm & Agriculture

  Plans for the long gap between planting costs and harvest income, plus operating loans and subsidy timing.

• Hotel & Hospitality

  For hotels and guesthouses managing occupancy swings, OTA commissions and seasonal staffing.

• Event Planning

  Tracks client deposits and final payments against vendor deposits you pay months before the event.

• Salon & Spa

  For salons and spas managing chair rent, product stock and commission-based pay.

• Gym & Fitness Studio

  Built around membership billing, January peaks and the equipment finance that doesn’t pause in slow months.

• Landscaping

  For landscapers planning around seasonal work, winter services and equipment purchases.

• Cleaning Business

  For residential and commercial cleaners with recurring contracts and payroll that runs every week.

• Daycare & Childcare

  For daycares and nurseries managing tuition, subsidy payments and staff-to-child ratios.

• Personal & Household

  A personal cash flow forecast for households that want to see upcoming bills, pay days and savings goals in one place.

• Franchise

  For franchisees planning around royalty and marketing fund payments, and franchisors forecasting fee income.

Don’t see your industry? The free general template works for any business, and you can request an industry.