Cash flow statement
For small business owners who need to explain where cash came from and where it went over a period, often alongside a profit and loss statement and balance sheet for a lender or investor. It starts from net income, adjusts for non-cash items and working capital, then adds investing and financing activity.
- Fields
- 26
- Pages
- 2
- Paper
- Letter
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Reviewed
Before you start
What you need to fill it in
- Net income for the period from your profit and loss statement
- Depreciation and other non-cash expenses
- Changes in receivables, inventory, payables and other working capital
- Equipment purchases and asset sales
- Loans received and repaid, owner contributions and draws
- Cash balance at the start of the period
What's inside
26 fields, ready to fill
- 17Typed answersnames, addresses, descriptions
- 3Dateschecked as real dates
- 5Calculatedfill themselves from other fields
- 1Signaturessignature and initials
5 required — the editor counts down how many are left while you fill.
Instructions
How to fill out the Cash flow statement
- 1
Set the period
Enter the business name and period dates. Use the same period as your profit and loss statement.
- 2
Fill operating activities
Enter net income and depreciation. For working capital, enter the change as it affects cash: an increase in receivables or inventory is negative, an increase in payables is positive.
- 3
Fill investing activities
Enter equipment purchases as negative and proceeds from asset sales as positive.
- 4
Fill financing activities
Enter loan proceeds and owner contributions as positive, and loan repayments and owner draws as negative.
- 5
Reconcile cash
Enter beginning cash. Ending cash calculates and should match your bank balance at period end.
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What filling it looks like
- Edit & fill, Invite to sign and Create form are three modes of the same editor
- Amounts are formula fields: they calculate as you type
- The field navigator counts what's left and jumps to the next field
Shown with our invoice template. Sample content; names are fictional.
Written for: Any
This template is a summary format for your own figures. It is not accounting, tax or financial advice, and it is not an audited or reviewed financial statement. Lenders and agencies may require their own forms or statements prepared by an accountant.
Written by PDFBetter and last reviewed October 15, 2026. Spotted a problem? Tell us.
Cash flow statement: questions people ask
Why is an increase in receivables negative?
Sales you recorded but have not been paid for are in net income but not in your bank account, so they reduce cash compared with profit.
Why doesn't ending cash match my bank balance?
Check that every loan payment, owner draw and equipment purchase is included, and that working capital changes have the right sign.
What is the indirect method?
It starts from net income and adjusts to cash. It is the most common format for small businesses because it uses figures you already have.
Is this the same as a cash flow forecast?
No. This statement looks back at a period that has ended. A forecast projects future cash.
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