Cash Flow Statement Template for Small Business
Use this cash flow statement template for small business: start from net profit, add account changes, see operating, investing and financing cash flow.
A cash flow statement template for small business answers the question profit can't: where did the cash actually go? You can show a profit and still feel short, because receivables, inventory, loan payments and owner draws all move cash without showing up in profit the same way.
This free Cash Flow Statement Template for Small Business from LiveFixPro Bookkeeping uses the indirect method. It starts from net profit, adjusts for the changes in your accounts, and builds operating, investing and financing cash flow and your ending cash.
This runs in your browser only. Nothing you enter is uploaded or stored, and it will keep working offline after the page loads.
Where the numbers come from
Draw on your own records, such as your Profit and Loss and the change in each Balance Sheet account between the start and end of the period.
Period, such as "October 2026."
Operating activities: net profit for the period, and depreciation and other non-cash expenses (added back). Then the change in the balance over the period, positive if it went up and negative if it went down, for accounts receivable, inventory, other current assets, accounts payable and other current liabilities. There's also a line for other operating items.
Investing activities: equipment and property purchased (as a positive number), proceeds from selling equipment, and other investing items.
Financing activities: loan proceeds received, loan principal repaid (principal only, since interest is already in net profit), owner contributions, owner draws (as a positive number) and other financing items.
Cash at the start of the period across all bank and cash accounts.
Cash at the end per your bank and books, optional, for a check.
Tap Load a sample to see the statement with example figures. The sample numbers are examples only.
The statement it builds
Summary cards: cash from operating activities, investing and financing, the net change in cash and ending cash.
A line-by-line statement showing each adjustment and its sign.
A check, if you entered an ending bank balance. It tells you whether ending cash matches, or by how much it's higher or lower, with a reminder to look for a missing item, a wrong sign or an account that isn't cash.
Print the statement or download a CSV.
The arithmetic behind it
Operating cash = net profit plus non-cash expenses, minus increases in receivables, inventory and other current assets, plus increases in payables and other current liabilities.
Net change = operating plus investing plus financing.
Ending cash = starting cash plus the net change.
The result is a working summary of your own numbers, not a finished statement.
Why profit and cash differ
Money owed to you (receivables) is profit that hasn't arrived yet.
Inventory you bought is cash spent that isn't an expense yet.
Loan repayments and owner draws use cash but aren't expenses.
Keep your books reconciled in QuickBooks® so the account changes you enter here are reliable.
Looking back, not ahead
A cash flow statement describes a period that has already ended. If you'd rather start from today's cash balance and look the other way, we have a separate free Cash Flow Runway Calculator for that.
Limits of the statement
It works only from your own figures. It isn't connected to QuickBooks, it can't verify your entries, and it doesn't give accounting or legal advice.
Want help with your monthly cash flow reports?
$499/mo is our published price for monthly bookkeeping, with scope confirmed on the free consult. Book a free consult to talk through why your cash moved the way it did. See our bookkeeping services and plans.
Where this fits
This statement looks back at where cash came from and where it went. See how it relates to the balance sheet and trial balance in our financial statements for small business guide.
Related free tools
FAQ
What is a cash flow statement template for small business?
A layout that shows where cash came from and where it went over a period, split into operating, investing and financing activities, ending with the change in cash.
What is the indirect method?
It starts from net profit and adjusts for items that didn't move cash, such as depreciation, and for changes in receivables, inventory and payables. This template uses it.
What goes in the account change lines?
The change in each balance over the period: a positive number if the balance went up and a negative number if it went down.
Why doesn't my ending cash match my bank balance?
Look for a missing item, a wrong sign or an account that isn't cash. If you enter your ending bank balance, the template shows the difference.
Where do my cash flow numbers go?
Nowhere. Everything the template does happens in your browser, and nothing you enter is uploaded, sent or stored. Use the CSV download to hold on to your figures.
Build your statement now
Work through your own period in the template above. For help with your monthly cash flow reports, start with a free consult.
QuickBooks® is a registered trademark of Intuit Inc. LiveFixPro is independent and not endorsed by Intuit.
QuickBooks® is a registered trademark of Intuit Inc. LiveFixPro is independent and not endorsed by Intuit.
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Bookkeeping Services FAQs
What are bookkeeping services for small businesses?
Bookkeeping services keep your day-to-day financial records accurate—categorizing transactions, reconciling accounts, and preparing clean books so you can see cash flow and make decisions with confidence.
Who is this for?
U.S. small businesses that want reliable monthly bookkeeping and clear books without hiring a full-time in-house bookkeeper. Deep QuickBooks cleanup is available separately when your books need a catch-up.
What’s included in monthly bookkeeping?
Transaction categorization, bank and credit-card reconciliation, and organized books ready for review.
How is pricing structured?
Monthly Bookkeeping is $499/mo, Support for QuickBooks Users is $149.99/mo, Cleanup for QuickBooks Users is $1,999 fixed one-time, and Catch-up Bookkeeping starts from $799.99 one-time. Final scope is confirmed on a free consultation.
Do you use QuickBooks?
Yes—work is for QuickBooks® users. Cleanup and ongoing bookkeeping can connect to your QuickBooks Online file when that is the right fit. LiveFixPro is independent and not endorsed by Intuit Inc.
How do we get started?
Book a free consultation on our calendar. We’ll confirm scope, access needs, and the right package before work begins: Book a free consultation
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