| Business Financing and Planning |
| Cash Budget for Calculating Short & Long-term Loan Needs |
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| Enter the information highlighted in yellow. |
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| Period: Year Ending: | | | |
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| | Budget | | Actual |
| Expected Cash Receipts: | | | |
| 1. Cash Sales | | | |
| 2. Collections on A/R | | | |
| 3. Other Income | | | |
| 4. Total Cash Receipts | | | |
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| Expected Cash Payments: | | | |
| 5. Raw Materials & Inventory | | | |
| 6. Payroll | | | |
| 7. Other manufacturing expenses | | | |
| 8. Advertising | | | |
| 9. Selling Expenses | | | |
| 10. Administrative expenses | | | |
| 11. New plant & equipment | | | |
| 12a. Other payments (taxes, loan repayments, interest, etc.) | | | |
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| 13. Total Cash Payments | | | |
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| 14. Expected Cash Balance: | | | |
| at beginning of the month | | | |
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| 15. Cash increase or decrease | | | |
| (item 4 less item 13) | | | |
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| 16. Expected cash at end of month | | | |
| (item 14 plus item 15) | | | |
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| 17. Desired working cash balance | | | |
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| 18. Short-term loans needed | | | |
| (item 17 less item 16, if 17 is larger than 16) | | | |
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| 19. Cash available for dividends, capital cash expenditures, or short-term investments | | | |
| (item 16 less item 17, if 16 is larger) | | | |
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| Capital Cash: | | | |
| 20. Cash available (item 19 after deducting dividends, etc.) | | | |
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| 21. Desired capital cash (item 11, new plant & equipment) | | | |
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| 22. Long-term loans needed | | | |
| (item 21 less item 20, if 21 is larger than 20) | | | |
