{"text_format":"3","workbook":"xls","n_sheets":7,"sheets":["Instructions","Past Purchases","STEP 1 - Start Up Costs","STEP 2 - Cashflow - Yr1 ","STEP 3 - Cashflow - Yr2","Income Statement","Glossary"],"not_rendered":{"images":1,"external_links":1,"defined_names":16},"read":"whole","date_system":"1900","formulas":"cached_only"}

{"sheet":"Instructions","index":0,"n_rows":58,"n_cols":2,"rows_kept":58,"flags":["formulas_cached_only"]}
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[]
[null,"Cash-flow Guidelines"]
[null,"Welcome to the Futurpreneur Canada 24-month cash-flow planning tool.  This tool will help you plan and demonstrate your businesses sales and expenses assumptions over the next two years."]
[null,"Figures you input are based on your experience, research and business activity estimates."]
[null,"On each sheet you will find navigation buttons on the left and Tips and Instructions on the right."]
[null,"The cash-flow template is divided into several parts to simplify the cash-flow creation.  You can revisit and adjust your figures as you adjust your plan, but it is best to start working in order from start-up, to year one then year two cash-flow projections.  The sheets are protected so you can only add information into the green cells.  Yellow cells show data you entered on a previous sheet."]
[null,"If you have already incurred business expenses add these to the Past Purchase form.  If you have not made any purchases yet skip the past purchases step."]
[null,"STEP 1 - COMPLETE THE START-UP tab.  This is where you input the month you expect your Futurpreneur loan will be received, owners' contribution, loan amounts and start-up costs.  Additional instructions and tips are found on the right side of each spreadsheet. "]
[null,"STEP 2 - COMPLETE THE YEAR 1 CASH-FLOW tab.  This is where you input your first year' sales and expense projections. Do not include your past sales on this template.  There additional instructions on the right side of the cash-flow. "]
[null,"STEP 3 -  COMPLETE THE YEAR 2 CASH-FLOW tab.  Continue with your sales and expense projections on the YEAR 2 CASH-FLOW. "]
[]
[null,"If you have prepared this cash-flow using the Futurpreneur Canada online business plan writer, there are a few items you will want to review and edit as you finalize your cash-flow."]
[null,"When using the Interactive business plan writer, Start-up - Inventory / Stock / Products costs will be grouped together as a single cost and not separated by inventory type or product price ranges.   You may need to organize these costs by inventory type or price ranges to better demonstrate your initial Inventory / Stock / Products costs. We recommend you limit the categories to 3 - 4 at a maximum."]
[null,"Sales Assumptions, Cash Sales and Inventory Costs on the Year One & Two Cash-Flows will not be broken down by inventory items, costing or services.  You may need to separate the prices shown in the cash-flow by organizing them into inventory types, price ranges or service categories.  This will show your sales and expenses assumptions more clearly.  We suggest you start by organizing the Sales Assumptions first and do not use more than 3 or 4 different categories for cash-flows on year one and year two."]
[]
[null,"Resources:"]
[null,"See the Glossary - Business Terms and Definitions for basic descriptions of terms and concepts."]
[null,"Futurpreneur Financing guidelines and loan details can be found on the Financing Guidelines tab and the Futurpreneur Canada website. "]
[null,"The Projected Income Statement is filled in automatically when you complete the year 1 and 2 cash-flows.  The Income Statement will give you insight into the overall progress of the business."]
[null,"Visit our resource website for assistance with financial planning at http://www.futurpreneur.ca/en/resources/operational-and-financial-planning/"]
{"$rows_empty":36}
[null,"   "]

{"sheet":"Past Purchases","index":1,"n_rows":25,"n_cols":3,"rows_kept":25,"flags":["formulas_cached_only"]}
[]
[null,"Past Purchases - Items already bought for the business"]
[null,"Item","Cost"]
[]
[]
[]
[null,null,0]
[null,null,0]
[null,null,0]
[null,null,0]
[null,null,0]
[null,null,0]
[null,null,0]
[null,null,0]
[null,null,0]
[null,null,0]
[null,null,0]
[null,null,0]
[null,null,0]
[null,null,0]
[null,null,0]
[null,null,0]
[null,null,0]
[null,null,0]
[null,"Total Cost",0]

{"sheet":"STEP 1 - Start Up Costs","index":2,"n_rows":47,"n_cols":12,"rows_kept":47,"flags":["formulas_cached_only"]}
[null,"Start-up Costs"]
[]
[null,"First Month of Futurpreneur Loan                  i.e. 04/14 is April 2014","2023-01-10"]
[]
[null,"  Funding Sources",null,"Owner Will Contribute","Futurpreneur Loan Funding","BDC Loan Funding","Other Funding 1","Other Funding 2"]
[null,null,"Amount",{"v":0,"d":"$0"},null,null,{"v":0,"d":"$0"},{"v":0,"d":"$0"}]
[]
[]
[null,"Start-up  Item","Cost of Item","Owner Will Contribute","Futurpreneur Loan Funding","BDC Loan Funding","Other Funding 1","Other Funding 2",null,"Balance Check",null,false]
[null,"Lease - Leasehold Improvements"]
[null,"First and last month rent (aka deposit)",{"$nulls":7},{"v":0,"d":"0 "}]
[null,"Building improvement costs",{"$nulls":7},{"v":0,"d":"0 "}]
[null,"Legal fees to review documents",{"$nulls":7},{"v":0,"d":"0 "}]
[null,"Arch drawings",{"$nulls":7},{"v":0,"d":"0 "}]
[null,"General Start-up Costs"]
[null,"Business Insurance (paid monthly)",{"$nulls":7},{"v":0,"d":"0 "}]
[null,"Business License - Incorp",{"$nulls":7},{"v":0,"d":"0 "}]
[null,"Equipment & Fixtures",{"$nulls":7},{"v":0,"d":"0 "}]
[null,"Office Furniture (desk, filing cabinet)",{"$nulls":7},{"v":0,"d":"0 "}]
[null,"Computer, printer, fax machine",{"$nulls":7},{"v":0,"d":"0 "}]
[null,"3pl WMs software",{"$nulls":7},{"v":0,"d":"0 "}]
[null,"Legal fees to review contracts",{"$nulls":7},{"v":0,"d":"0 "}]
[null,"Marketing",{"$nulls":7},{"v":0,"d":"0 "}]
[null,"Website",{"$nulls":7},{"v":0,"d":"0 "}]
[{"$nulls":9},{"v":0,"d":"0 "}]
[{"$nulls":9},{"v":0,"d":"0 "}]
[{"$nulls":9},{"v":0,"d":"0 "}]
[null,"START-UP COST SUBTOTALS",{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "}]
[null,"Inventory / Stock / Products   (ONLY)"]
[null,"retail price range [0 -$100] or service #1 ",{"$nulls":7},{"v":0,"d":"0 "}]
[null,"retail price range [$100 -$200] or service #2",{"$nulls":7},{"v":0,"d":"0 "}]
[null,"retail price range [$200 -$300] or service #3",{"$nulls":7},{"v":0,"d":"0 "}]
[null,"retail price range [over $300] or service #4",{"$nulls":7},{"v":0,"d":"0 "}]
[null,"INVENTORY / STOCK SUBTOTALS",{"v":0,"d":"$0"},{"v":0,"d":"$0"},{"v":0,"d":"$0"},{"v":0,"d":"$0"},{"v":0,"d":"$0"},{"v":0,"d":"$0"}]
[null,"TOTAL START-UP COSTS"]
[null,"START-UP & INVENTORY SUBTOTALS",{"v":0,"d":"$0"},{"v":0,"d":"$0"},{"v":0,"d":"$0"},{"v":0,"d":"$0"},{"v":0,"d":"$0"},{"v":0,"d":"$0"}]
[null,"Available Cash in the Bank"]
[null,"Working Capital",{"v":0,"d":"$0"},{"v":0,"d":"$0"},{"v":0,"d":"$0"},{"v":0,"d":"$0"},{"v":0,"d":"$0"},{"v":0,"d":"$0"}]
[null,"TOTALS",{"v":0,"d":"$0"},{"v":0,"d":"$0"},{"v":0,"d":"$0"},{"v":0,"d":"$0"},{"v":0,"d":"$0"},{"v":0,"d":"$0"}]
[null,"Percentage Contributions","NA","NA","NA","NA","NA","NA",null,{"v":0,"d":"0%"}]
[]
[]
[]
[]
[]
[]
[{"$nulls":7},"`"]

{"sheet":"STEP 2 - Cashflow - Yr1 ","index":3,"n_rows":71,"n_cols":17,"rows_kept":71,"merged":[[22,16,23,16]],"flags":["formulas_cached_only"]}
[null,"Cash Flow Forecast - Year 1 "]
[null,"Month",null,"2023-01-31","2023-02-28","2023-03-31","2023-04-30","2023-05-31","2023-06-30","2023-07-31","2023-08-31","2023-09-30","2023-10-31","2023-11-30","2023-12-31","Total"]
[null,"Sales Assumptions",null,{"v":1,"d":"1 "},{"v":2,"d":"2 "},{"v":3,"d":"3 "},{"v":4,"d":"4 "},{"v":5,"d":"5 "},{"v":6,"d":"6 "},{"v":7,"d":"7 "},{"v":8,"d":"8 "},{"v":9,"d":"9 "},{"v":10,"d":"10 "},{"v":11,"d":"11 "},{"v":12,"d":"12 "}]
[null,"Receiving & Inventory storage cost or service #1",{"$nulls":13},{"v":0,"d":"0 "}]
[null,"pick and pack cost or service #2",{"$nulls":13},{"v":0,"d":"0 "}]
[null,"Account management or service #3",{"$nulls":13},{"v":0,"d":"0 "}]
[null,"Kitting and returns management or service #4",{"$nulls":13},{"v":0,"d":"0 "}]
[null,"Cash from Sales","Avg $ of Sale",{"$nulls":13},"% of sales"]
[null,"Receiving & Inventory storage cost or service #1",null,0,0,0,0,0,0,0,0,0,0,0,0,{"v":0,"d":"$0"},{"v":0,"d":"0%"}]
[null,"pick and pack cost or service #2",null,0,0,0,0,0,0,0,0,0,0,0,0,{"v":0,"d":"$0"},{"v":0,"d":"0%"}]
[null,"Account management or service #3",null,0,0,0,0,0,0,0,0,0,0,0,0,{"v":0,"d":"$0"},{"v":0,"d":"0%"}]
[null,"Kitting and returns management or service #4",null,0,0,0,0,0,0,0,0,0,0,0,0,{"v":0,"d":"$0"},{"v":0,"d":"0%"}]
[null,"Total Cash Sales",null,0,0,0,0,0,0,0,0,0,0,0,0,{"v":0,"d":"$0"}]
[null,"Funding Sources"]
[null,"Owner Will Contribute",null,0,{"$nulls":11},{"v":0,"d":"$0"}]
[null,"Futurpreneur Loan Funding",null,0,{"$nulls":11},{"v":0,"d":"$0"}]
[null,"BDC Loan Funding",null,0,{"$nulls":11},{"v":0,"d":"$0"}]
[null,"Other Funding 1",null,0,{"$nulls":11},{"v":0,"d":"$0"}]
[null,"Other Funding 2",null,0,{"$nulls":11},{"v":0,"d":"$0"}]
[null,"Business Bank Account (Existing businesses only)",{"$nulls":13},{"v":0,"d":"$0"}]
[null,"Total Other Cash Inflow",null,{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"$0"}]
[null,"(A) TOTAL CASH INFLOW",null,{"v":0,"d":"0 "},0,0,0,0,0,0,0,0,0,0,0,{"v":0,"d":"$0"}]
[null,"Cash Outflow","% of sales cost",{"$nulls":13},"Cost of Sales with Startup Inventory"]
[null,"Inventory Costs"]
[null,"Receiving & Inventory storage cost or service #1",{"v":0,"d":"0%"},0,0,0,0,0,0,0,0,0,0,0,0,{"v":0,"d":"$0"},{"v":0,"d":"$0"}]
[null,"pick and pack cost or service #2",{"v":0,"d":"0%"},0,0,0,0,0,0,0,0,0,0,0,0,{"v":0,"d":"$0"},{"v":0,"d":"$0"}]
[null,"Account management or service #3",{"v":0,"d":"0%"},0,0,0,0,0,0,0,0,0,0,0,0,{"v":0,"d":"$0"},{"v":0,"d":"$0"}]
[null,"Kitting and returns management or service #4",{"v":0,"d":"0%"},0,0,0,0,0,0,0,0,0,0,0,0,{"v":0,"d":"$0"},{"v":0,"d":"$0"}]
[null,"(B) TOTAL INVENTORY COSTS",null,0,0,0,0,0,0,0,0,0,0,0,0,{"v":0,"d":"$0"},{"v":0,"d":"$0"}]
[null,"General Expenses",{"$nulls":14},"% of Gross Sales"]
[null,"1st Owner's draw/salary",{"$nulls":13},{"v":0,"d":"$0"},{"v":0,"d":"0%"}]
[null,"2nd Owner's draw/salary, if necessary",{"$nulls":13},{"v":0,"d":"$0"},{"v":0,"d":"0%"}]
[null,"Employee/contractor wages",{"$nulls":13},{"v":0,"d":"$0"},{"v":0,"d":"0%"}]
[null,"Legal fees",{"$nulls":13},{"v":0,"d":"$0"},{"v":0,"d":"0%"}]
[null,"Accounting services",null,0,{"$nulls":11},{"v":0,"d":"$0"},{"v":0,"d":"0%"}]
[null,"Advertising and promotion",{"$nulls":13},{"v":0,"d":"$0"},{"v":0,"d":"0%"}]
[null,"Commercial Rent",{"$nulls":13},{"v":0,"d":"$0"},{"v":0,"d":"0%"}]
[null,"Property taxes/TMI",{"$nulls":13},{"v":0,"d":"$0"},{"v":0,"d":"0%"}]
[null,"Utilities",{"$nulls":13},{"v":0,"d":"$0"},{"v":0,"d":"0%"}]
[null,"Business Insurance",{"$nulls":13},{"v":0,"d":"$0"},{"v":0,"d":"0%"}]
[null,"Bank Charges",{"$nulls":13},{"v":0,"d":"$0"},{"v":0,"d":"0%"}]
[null,"Warehouse supplies",{"$nulls":13},{"v":0,"d":"$0"},{"v":0,"d":"0%"}]
[null,"Telephone & Internet",{"$nulls":13},{"v":0,"d":"$0"},{"v":0,"d":"0%"}]
[null,"Alarm System",{"$nulls":13},{"v":0,"d":"$0"},{"v":0,"d":"0%"}]
[null,"Subscriptions & Memberships",{"$nulls":13},{"v":0,"d":"$0"},{"v":0,"d":"0%"}]
[null,"Training",{"$nulls":13},{"v":0,"d":"$0"},{"v":0,"d":"0%"}]
[null,"credit card transaction fee (2%)",{"v":0.02,"d":"2%"},{"$nulls":12},{"v":0,"d":"$0"},{"v":0,"d":"0%"}]
[null,"expense as % of sales rev",{"v":0,"d":"0%"},{"$nulls":12},{"v":0,"d":"$0"},{"v":0,"d":"0%"}]
[{"$nulls":15},{"v":0,"d":"$0"},{"v":0,"d":"0%"}]
[{"$nulls":15},{"v":0,"d":"$0"},{"v":0,"d":"0%"}]
[null,"(C) TOTAL GENERAL EXPENSES ",null,0,0,0,0,0,0,0,0,0,0,0,0,{"v":0,"d":"$0"}]
[null,"Other disbursements "]
[null,"TOTAL Start-up Costs",null,0,{"$nulls":11},{"v":0,"d":"$0"}]
[null,"Futurprenuer Loan management fee ",0,{"$nulls":12},{"v":0,"d":"$0"}]
[null,"Futurpreneur Loan Funding - Interest Payment",null,0,0,0,0,0,0,0,0,0,0,0,0,{"v":0,"d":"$0"}]
[null,"Futurpreneur Loan Funding - Principal Payment",null,0,0,0,0,0,0,0,0,0,0,0,0,{"v":0,"d":"$0"}]
[null,"BDC Loan Funding - Interest Payment",null,0,0,0,0,0,0,0,0,0,0,0,0,{"v":0,"d":"$0"}]
[null,"BDC Loan Funding - Principle Payment",null,0,0,0,0,0,0,0,0,0,0,0,0,{"v":0,"d":"$0"}]
[null,"Other Funding 1 - Interest + Principal Payment",{"$nulls":13},{"v":0,"d":"$0"}]
[null,"Other Funding 2 - Interest + Principal Payment",{"$nulls":13},{"v":0,"d":"$0"}]
[{"$nulls":15},{"v":0,"d":"$0"}]
[null,"(D) TOTAL OTHER DISBURSEMENTS ",0,0,0,0,0,0,0,0,0,0,0,0,0,{"v":0,"d":"$0"}]
[null,"(E) TOTAL CASH OUTFLOW (B+C+D) ",null,0,0,0,0,0,0,0,0,0,0,0,0,{"v":0,"d":"$0"}]
[]
[null,"(F)  NET CASH-FLOW (A-E) ",null,0,0,0,0,0,0,0,0,0,0,0,0,{"v":0,"d":"$0"}]
[]
[null,"(G)  CASH FROM PREVIOUS PERIOD",null,0,0,0,0,0,0,0,0,0,0,0,0,{"v":0,"d":"$0"}]
[]
[null,"(H) CUMULATIVE CASH-FLOW (F+G)",null,{"v":0,"d":"$0"},{"v":0,"d":"$0"},{"v":0,"d":"$0"},{"v":0,"d":"$0"},{"v":0,"d":"$0"},{"v":0,"d":"$0"},{"v":0,"d":"$0"},{"v":0,"d":"$0"},{"v":0,"d":"$0"},{"v":0,"d":"$0"},{"v":0,"d":"$0"},{"v":0,"d":"$0"},{"v":0,"d":"$0"}]
[]
[null,"Income statement is automatically calculated  "]

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[null,"Cash Flow Forecast - Year 2"]
[null,"Month",null,"2024-01-31","2024-02-29","2024-03-31","2024-04-30","2024-05-31","2024-06-30","2024-07-31","2024-08-31","2024-09-30","2024-10-31","2024-11-30","2024-12-31","Total"]
[null,"Sales Assumptions",null,{"v":13,"d":"13 "},{"v":14,"d":"14 "},{"v":15,"d":"15 "},{"v":16,"d":"16 "},{"v":17,"d":"17 "},{"v":18,"d":"18 "},{"v":19,"d":"19 "},{"v":20,"d":"20 "},{"v":21,"d":"21 "},{"v":22,"d":"22 "},{"v":23,"d":"23 "},{"v":24,"d":"24 "}]
[null,"Receiving & Inventory storage cost or service #1",{"$nulls":13},{"v":0,"d":"0 "}]
[null,"pick and pack cost or service #2",{"$nulls":13},{"v":0,"d":"0 "}]
[null,"Account management or service #3",{"$nulls":13},{"v":0,"d":"0 "}]
[null,"Kitting and returns management or service #4",{"$nulls":13},{"v":0,"d":"0 "}]
[null,"Cash from Sales","Avg $",{"$nulls":13},"% of sales"]
[null,"Receiving & Inventory storage cost or service #1",{"$nulls":13},{"v":0,"d":"$0"},{"v":0,"d":"0%"}]
[null,"pick and pack cost or service #2",{"$nulls":13},{"v":0,"d":"$0"},{"v":0,"d":"0%"}]
[null,"Account management or service #3",{"$nulls":13},{"v":0,"d":"$0"},{"v":0,"d":"0%"}]
[null,"Kitting and returns management or service #4",{"$nulls":13},{"v":0,"d":"$0"},{"v":0,"d":"0%"}]
[null,"Total Cash Sales",null,{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"$0"}]
[null,"Owner's Investment ",{"$nulls":13},{"v":0,"d":"$0"}]
[]
[{"$nulls":15},{"v":0,"d":"$0"}]
[null,"Total Other Cash Inflow",null,{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"$0"}]
[null,"(A) TOTAL CASH INFLOW",null,{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"$0"}]
[null,"Cash Outflow"]
[null,"Inventory Costs","% of sales cost"]
[null,"Receiving & Inventory storage cost or service #1",{"v":0,"d":"0%"},{"$nulls":12},{"v":0,"d":"$0"}]
[null,"pick and pack cost or service #2",{"v":0,"d":"0%"},{"$nulls":12},{"v":0,"d":"$0"}]
[null,"Account management or service #3",{"v":0,"d":"0%"},{"$nulls":12},{"v":0,"d":"$0"}]
[null,"Kitting and returns management or service #4",{"v":0,"d":"0%"},{"$nulls":12},{"v":0,"d":"$0"}]
[null,"(B) TOTAL INVENTORY COSTS",null,{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"$0"}]
[null,"General Expenses",{"$nulls":14},"% of Gross Sales"]
[null,"1st Owner's draw/salary",{"$nulls":13},{"v":0,"d":"$0"},{"v":0,"d":"0%"}]
[null,"2nd Owner's draw/salary, if necessary",{"$nulls":13},{"v":0,"d":"$0"},{"v":0,"d":"0%"}]
[null,"Employee/contractor wages",{"$nulls":13},{"v":0,"d":"$0"},{"v":0,"d":"0%"}]
[null,"Legal fees",{"$nulls":13},{"v":0,"d":"$0"},{"v":0,"d":"0%"}]
[null,"Accounting services",{"$nulls":13},{"v":0,"d":"$0"},{"v":0,"d":"0%"}]
[null,"Advertising and promotion",{"$nulls":13},{"v":0,"d":"$0"},{"v":0,"d":"0%"}]
[null,"Commercial Rent",{"$nulls":13},{"v":0,"d":"$0"},{"v":0,"d":"0%"}]
[null,"Property taxes/TMI",{"$nulls":13},{"v":0,"d":"$0"},{"v":0,"d":"0%"}]
[null,"Utilities",{"$nulls":13},{"v":0,"d":"$0"},{"v":0,"d":"0%"}]
[null,"Business Insurance",{"$nulls":13},{"v":0,"d":"$0"},{"v":0,"d":"0%"}]
[null,"Bank Charges",{"$nulls":13},{"v":0,"d":"$0"},{"v":0,"d":"0%"}]
[null,"Warehouse supplies",{"$nulls":13},{"v":0,"d":"$0"},{"v":0,"d":"0%"}]
[null,"Telephone & Internet",{"$nulls":13},{"v":0,"d":"$0"},{"v":0,"d":"0%"}]
[null,"Alarm System",{"$nulls":13},{"v":0,"d":"$0"},{"v":0,"d":"0%"}]
[null,"Subscriptions & Memberships",{"$nulls":13},{"v":0,"d":"$0"},{"v":0,"d":"0%"}]
[null,"Training",{"$nulls":13},{"v":0,"d":"$0"},{"v":0,"d":"0%"}]
[null,"credit card transaction fee (2%)",{"v":0.02,"d":"2%"},{"$nulls":12},{"v":0,"d":"$0"},{"v":0,"d":"0%"}]
[null,"expense as % of sales rev",{"v":0,"d":"0%"},{"$nulls":12},{"v":0,"d":"$0"},{"v":0,"d":"0%"}]
[null,0,{"$nulls":13},{"v":0,"d":"$0"},{"v":0,"d":"0%"}]
[null,0,{"$nulls":13},{"v":0,"d":"$0"},{"v":0,"d":"0%"}]
[null,"(C) TOTAL GENERAL EXPENSES ",null,{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"$0"}]
[null,"Other disbursements "]
[null,"Start-up Costs",{"$nulls":13},{"v":0,"d":"$0"}]
[null,"Futurpreneur Loan Funding - Interest Payment",null,0,0,0,0,0,0,0,0,0,0,0,0,{"v":0,"d":"$0"}]
[null,"Futurpreneur Loan Funding - Principal Payment",null,null,0,0,0,0,0,0,0,0,0,0,0,{"v":0,"d":"$0"}]
[null,"BDC Loan Funding - Interest Payment",null,0,0,0,0,0,0,0,0,0,0,0,0,{"v":0,"d":"$0"}]
[null,"BDC Loan Funding - Principal Payment",null,null,0,0,0,0,0,0,0,0,0,0,0,{"v":0,"d":"$0"}]
[null,"Other Funding 1 - Interest + Principal Payment",{"$nulls":13},{"v":0,"d":"$0"}]
[null,"Other Funding 2 - Interest + Principal Payment",{"$nulls":13},{"v":0,"d":"$0"}]
[{"$nulls":15},{"v":0,"d":"$0"}]
[null,"(D) TOTAL OTHER DISBURSEMENTS ",null,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,"(E) TOTAL CASH OUTFLOW (B+C+D) ",null,0,0,0,0,0,0,0,0,0,0,0,0,0]
[]
[null,"(F)  NET CASH-FLOW (A-E) ",null,0,0,0,0,0,0,0,0,0,0,0,0,{"v":0,"d":"$0"}]
[]
[null,"(G)  CASH FROM PREVIOUS PERIOD",null,0,0,0,0,0,0,0,0,0,0,0,0,{"v":0,"d":"$0"}]
[]
[null,"(H) CUMULATIVE CASH-FLOW (F+G)",null,{"v":0,"d":"$0"},{"v":0,"d":"$0"},{"v":0,"d":"$0"},{"v":0,"d":"$0"},{"v":0,"d":"$0"},{"v":0,"d":"$0"},{"v":0,"d":"$0"},{"v":0,"d":"$0"},{"v":0,"d":"$0"},{"v":0,"d":"$0"},{"v":0,"d":"$0"},{"v":0,"d":"$0"},{"v":0,"d":"$0"}]

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[]
[null,"Projected Income Statement"]
[null,null,"Year 1","Year 2"]
[null,"Revenues"]
[null,"Sales"]
[null,"Receiving & Inventory storage cost or service #1",0,0]
[null,"pick and pack cost or service #2",0,0]
[null,"Account management or service #3",0,0]
[null,"Kitting and returns management or service #4",0,0]
[null,"(A) Total Sales",{"v":0,"d":"$0"},{"v":0,"d":"$0"}]
[null,"Inventory Costs"]
[null,"Opening Inventory / Stock / Product  (from startup)",0]
[null,"Receiving & Inventory storage cost or service #1",0,0]
[null,"pick and pack cost or service #2",0,0]
[null,"Account management or service #3",0,0]
[null,"Kitting and returns management or service #4",0,0]
[null,"(B) Total Cost of Inventory",{"v":0,"d":"$0"},{"v":0,"d":"$0"}]
[null,"(C)  GROSS MARGIN (A-B)",{"v":0,"d":"$0"},{"v":0,"d":"$0"}]
[null," Expenses "]
[null,"General Expenses"]
[null,"Owner's Draws/salaries",0,0]
[null,"Employee/contractor wages",0,0]
[null,"Legal fees",0,0]
[null,"Accounting services",0,0]
[null,"Advertising and promotion",0,0]
[null,"Commercial Rent",0,0]
[null,"Property taxes/TMI",0,0]
[null,"Utilities",0,0]
[null,"Business Insurance",0,0]
[null,"Bank Charges",0,0]
[null,"Warehouse supplies",0,0]
[null,"Telephone & Internet",0,0]
[null,"Alarm System",0,0]
[null,"Subscriptions & Memberships",0,0]
[null,"Training",0,0]
[null,"credit card transaction fee (2%)",0,0]
[null,"expense as % of sales rev",0,0]
[null,0,0,0]
[null,0,0,0]
[null,"(D) TOTAL GENERAL EXPENSES ",{"v":0,"d":"$0"},{"v":0,"d":"$0"}]
[null,"Other Disbursements "]
[null,"Start up Costs ",0,0]
[null,"Futurpreneur Loan Funding",0,0]
[null,"BDC Loan Funding",0,0]
[null,"Other Funding 1",0,0]
[null,"Other Funding 2",0,0]
[null,"Loan Capital Injected",0,0]
[null,"(E) TOTAL OTHER EXPENSES ",{"v":0,"d":"$0"},{"v":0,"d":"$0"}]
[null,"(F) TOTAL EXPENSES (D+E)",{"v":0,"d":"$0"},{"v":0,"d":"$0"}]
[]
[null," NET PROFIT BEFORE TAX (C-F)",{"v":0,"d":"$0"},{"v":0,"d":"$0"}]
[null,"Income Tax (estimated at 25%)",{"v":0,"d":"$0"},{"v":0,"d":"$0"}]
[null," NET PROFIT AFTER TAX",{"v":0,"d":"$0"},{"v":0,"d":"$0"}]

{"sheet":"Glossary","index":6,"n_rows":20,"n_cols":3,"rows_kept":20,"merged":[[15,1,16,1],[15,2,16,2]],"flags":["formulas_cached_only"]}
[]
[null,"Glossary - Business Terms and Definitions"]
[null,"These are working definitions intended to help you complete this cash-flow"]
[null,"Owner’s Investment","Money which the business owner invests into the business. Typically these funds come from a variety of sources including, the owner’s personal savings and money gifted from family members.   Personal loans and Lines of Credit do not apply because the money is owed to someone else."]
[null,"Owner’s Draw/Salary","Money the owner plans to withdraw from the business to cover their personal expenses. It's important that the owner takes into account what will be required each month to pay for personal expenses like: debt payments, housing costs and general living expenses. We also consider the contributions of spouses and part-time or other income."]
[null,"Past Purchases or Historic Costs","Items or services already bought to start the business.  These costs are listed separately from the start-up costs on the Futurpreneur cash-flow template."]
[null,"Fixed Assets","Items and property that cannot immediately be converted into cash.  Examples: buildings, furniture, equipment, machines and vehicles. "]
[null,"Fixed Costs","Regular expenses that have to be paid regardless of how busy or active the business is. Items like regular salaries, rent, insurance are all examples of fixed costs."]
[null,"Business Insurance","Many personal insurances policies offer limited or no protection for the businesses property or activities.  Business insurance provides protection specific to the business property, activities and sometimes staff.  Some businesses require other types of insurance too.  Contact an insurance professional about what type and amount of insurance will be beneficial for your business."]
[null,"Interest Payment","As a borrower, an interest payment represents a fee you are charged for being lent money.  The fee rate and payment schedule are determined at the time the money is lent and often described as an annual term rate.  Paying only this does not reduce the amount of money you owe your lender."]
[null,"Principal Payment","A payment that reduces the amount of money you owe your lender.  This is different than an interest payment because it reduces the amount of money you now owe."]
[null,"Start-Up","A business or venture in the earliest stages of set-up or operations. "]
[null,"Variable Costs","Expenses which are not consistently the same each month.  Fuel used by a courier company changes depending on the monthly activity and could be considered a variable cost."]
[null,"Working Capital","Funding available in the business bank account once all start-up expenses have been paid."]
[null,"Expenses","Costs you incur while running the business over a fixed period of time.  In the cash-flow, you'll consider expenses incurred on a monthly basis."]
[null,"Cumulative Cash","After you have paid all of your expected expenses and received all of your expected income in a given period of time, the money left over is your cumulative cash.  Think of this as money left in your business bank account at the end of each month.  The cumulative cash-flow on your Futurpreneur monthly cash-flow can never be negative.  That would mean you have spent more money than you plan on having available at the end of the month."]
[]
[null,"Cash-Flow Projection","A table that lists all of your expected costs and all of your expected income over a period of time.  We request a 24-month cash-flow when applying to our Start-up Program. The first month shown should be the month the loan is put in your bank account."]
[null,"Capital","Money you have available to make purchases to start and maintain your business."]
[null,"Assets","Objects or items that can be converted (sold) into cash."]