SmallBizHandbookSmallBizHandbook.com

Free Cash Flow Statement Template

Last updated: 2026-03-31

Create a professional cash flow statement for your small business. Track operating, investing, and financing activities — the template auto-calculates net cash flow and ending cash balance. Download as PDF, 100% free, no signup.

$

Operating Activities

Cash from day-to-day operations
0.00
$
$
$
$
$
$

Investing Activities

Cash from buying/selling long-term assets
0.00
$
$
$

Financing Activities

Cash from loans, equity, and distributions
0.00
$
$
$
$

Cash Flow Summary

Net Cash from Operating Activities0.00
Net Cash from Investing Activities0.00
Net Cash from Financing Activities0.00
Net Change in Cash0.00
Beginning Cash Balance0.00
Ending Cash Balance0.00

How to Use This Cash Flow Statement Template

This free cash flow statement template follows the indirect method, the most common format used by small businesses and required by most lenders. Start with net income from your P&L statement, then adjust for non-cash items and changes in working capital.

Tips: Use negative numbers for cash outflows (e.g., equipment purchases, loan repayments, owner draws). Use positive numbers for cash inflows (e.g., loan proceeds, asset sales, depreciation add-back). Your ending cash balance should match your bank statement and balance sheet.

All data stays in your browser via localStorage — nothing is sent to any server. When you're ready, print or save as PDF for your records, accountant, or lender.

Frequently Asked Questions

What is a cash flow statement?
A cash flow statement tracks how cash moves in and out of your business over a specific period. It has three sections: Operating Activities (day-to-day business cash flows), Investing Activities (buying/selling long-term assets), and Financing Activities (loans, equity, and distributions). Unlike a P&L which uses accrual accounting, the cash flow statement shows actual cash movement.
Why do I need a cash flow statement if I already have a P&L?
A P&L shows profitability on an accrual basis, but a business can be profitable on paper and still run out of cash. The cash flow statement reveals the actual cash position — whether you can pay bills, make payroll, and fund growth. Many small businesses fail not because they're unprofitable, but because they run out of cash.
Is this cash flow template really free?
Yes, 100% free with no signup, no email gate, and no premium tiers. All calculations happen in your browser — no data is sent to any server. You can create unlimited cash flow statements and download them as PDF.
What goes in Operating Activities?
Operating Activities includes: net income, depreciation and amortization (add back), changes in accounts receivable, inventory, accounts payable, and accrued expenses. Essentially, it adjusts net income for non-cash items and changes in working capital to show actual cash from operations.
What goes in Investing Activities?
Investing Activities includes cash spent on or received from long-term assets: purchasing equipment or property (cash outflow), selling assets (cash inflow), buying or selling investments, and capital expenditures. These are typically large, infrequent transactions.
What goes in Financing Activities?
Financing Activities includes cash from or paid to sources of capital: taking out loans (inflow), repaying loans (outflow), owner contributions (inflow), owner draws or distributions (outflow), and issuing or repurchasing equity. This section shows how you fund the business.
How do I calculate Beginning Cash Balance?
Your beginning cash balance is the cash and cash equivalents from your balance sheet at the start of the period. For a new business, this is your initial capital. For ongoing periods, it's the ending cash balance from the prior period.
Can I use this for monthly or quarterly cash flow?
Yes. Change the Period field to any timeframe. Many businesses create monthly cash flow statements for close management of cash position, while quarterly and annual statements serve reporting and planning purposes.

Related Resources on This Site