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Cash flow forecast template
Cash flow forecast template

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Date: March 8th 2023



Acme LLC.

Corporation Corp.

This Contract is between Client (the "Client") and Acme LLC, a California limited liability company (the "Coach").

The Contract is dated January 23, 2023.


1.1 Project. The Client is hiring the Coach to develop a coaching relationship between the Client and Coach in order to cultivate the Client's personal, professional, or business goals and create a plan to achieve those goals through stimulating and creative interactions with the ultimate result of maximizing the Client's personal or professional potential.

1.2 Schedule. The Coach will begin work on February 1, 2023 and will continue until the work is completed. This Contract can be ended by either Client or Coach at any time, pursuant to the terms of Section 4, Term and Termination.

The Coach and Client will meet by video conference, 4 days per month for 2 hours.

1.3 Payment. The Client will pay the Coach an hourly rate of $150. Of this, the Client will pay the Coach $500.00 (USD) before work begins.

1.4 Expenses. The Client will reimburse the Coach's expenses. Expenses do not need to be pre-approved by the Client.

1.5 Invoices. The Coach will invoice the Client in accordance with the milestones in Section 1.3. The Client agrees to pay the amount owed within 15 days of receiving the invoice. Payment after that date will incur a late fee of 1.0% per month on the outstanding amount.

1.6 Support. The Coach will not be available by telephone, or email in between scheduled sessions.


- A coaching relationship is a partnership between two or more individuals or entities, like a teacher-student or coach-athlete relationship. Both the Client and Coach must uphold their obligations for the relationship to be successful.

- The Coach agrees to maintain the ethics and standards of behavior established by the International Coaching Federation (ICF).

- The Client acknowledges and agrees that coaching is a comprehensive process that may explore different areas of the Client's life, including work, finances, health, and relationships.

- The Client is responsible for implementing the insights and techniques learned from the Coach.


3.1 Overview. This section contains important promises between the parties.

3.2 Authority To Sign. Each party promises to the other party that it has the authority to enter into this Contract and to perform all of its obligations under this Contract.

3.3 Coach Has Right To Give Client Work Product. The Coach promises that it owns the work product, that the Coach is able to give the work product to the Client, and that no other party will claim that it owns the work product. If the Coach uses employees or subcontractors, the Coach also promises that these employees and subcontractors have signed contracts with the Coach giving the Coach any rights that the employees or subcontractors have related to the Coach's background IP and work product.

3.4 Coach Will Comply With Laws. The Coach promises that the manner it does this job, its work product, and any background IP it uses comply with applicable U.S. and foreign laws and regulations.

3.5 Work Product Does Not Infringe. The Coach promises that its work product does not and will not infringe on someone else's intellectual property rights, that the Coach has the right to let the Client use the background IP, and that this Contract does not and will not violate any contract that the Coach has entered into or will enter into with someone else.

3.7 Client-Supplied Material Does Not Infringe. If the Client provides the Coach with material to incorporate into the work product, the Client promises that this material does not infringe on someone else's intellectual property rights.


This Contract is ongoing until it expires or the work is completed. Either party may end this Contract for any reason by sending an email or letter to the other party, informing the recipient that the sender is ending the Contract and that the Contract will end in 7 days. The Contract officially ends once that time has passed. The party that is ending the Contract must provide notice by taking the steps explained in Section 9.4. The Coach must immediately stop working as soon as it receives this notice unless the notice says otherwise.

If either party ends this Contract before the Contract automatically ends, the Client will pay the Contractor for the work done up until when the Contract ends. The following sections don't end even after the Contract ends: 3 (Representations); 6 (Confidential Information); 7 (Limitation of Liability); 8 (Indemnity); and 9 (General).


The Client is hiring the Coach as an independent contractor. The following statements accurately reflect their relationship:

- The Coach will use its own equipment, tools, and material to do the work.

- The Client will not control how the job is performed on a day-to-day basis. Rather, the Coach is responsible for determining when, where, and how it will carry out the work.

- The Client will not provide the Coach with any training.

- The Client and the Coach do not have a partnership or employer-employee relationship.

- The Coach cannot enter into contracts, make promises, or act on behalf of the Client.

- The Coach is not entitled to the Client's benefits (e.g., group insurance, retirement benefits, retirement plans, vacation days).

- The Coach is responsible for its own taxes.

- The Client will not withhold social security and Medicare taxes or make payments for disability insurance, unemployment insurance, or workers compensation for the Coach or any of the Coach's employees or subcontractors.


6.1 Overview. This Contract imposes special restrictions on how the Client and the Coach must handle confidential information. These obligations are explained in this section.

6.2 The Client's Confidential Information. While working for the Client, the Coach may come across, or be given, Client information that is confidential. This is information like customer lists, business strategies, research & development notes, statistics about a website, and other information that is private. The Coach promises to treat this information as if it is the Coach's own confidential information. The Coach may use this information to do its job under this Contract, but not for anything else. For example, if the Client lets the Coach use a customer list to send out a newsletter, the Coach cannot use those email addresses for any other purpose. The one exception to this is if the Client gives the Coach written permission to use the information for another purpose, the Coach may use the information for that purpose, as well. When this Contract ends, the Coach must give back or destroy all confidential information, and confirm that it has done so. The Coach promises that it will not share confidential information with a third party, unless the Client gives the Coach written permission first. The Coach must continue to follow these obligations, even after the Contract ends. The Coach's responsibilities only stop if the Coach can show any of the following: (i) that the information was already public when the Coach came across it; (ii) the information became public after the Coach came across it, but not because of anything the Coach did or didn't do; (iii) the Coach already knew the information when the Coach came across it and the Coach didn't have any obligation to keep it secret; (iv) a third party provided the Coach with the information without requiring that the Coach keep it a secret; or (v) the Coach created the information on its own, without using anything belonging to the Client.

6.3 Third-Party Confidential Information. It's possible the Client and the Coach each have access to confidential information that belongs to third parties. The Client and the Coach each promise that it will not share with the other party confidential information that belongs to third parties, unless it is allowed to do so. If the Client or the Coach is allowed to share confidential information with the other party and does so, the sharing party promises to tell the other party in writing of any special restrictions regarding that information.


Neither party is liable for breach-of-contract damages that the breaching party could not reasonably have foreseen when it entered this Contract.


8.1 Overview. This section transfers certain risks between the parties if a third party sues or goes after the Client or the Coach or both. For example, if the Client gets sued for something that the Coach did, then the Coach may promise to come to the Client's defense or to reimburse the Client for any losses.

8.2 Client Indemnity. In this Contract, the Coach agrees to indemnify the Client (and its affiliates and their directors, officers, employees, and agents) from and against all liabilities, losses, damages, and expenses (including reasonable attorneys' fees) related to a third-party claim or proceeding arising out of: (i) the work the Coach has done under this Contract; (ii) a breach by the Coach of its obligations under this Contract; or (iii) a breach by the Coach of the promises it is making in Section 3 (Representations).

8.3 Coach Indemnity. In this Contract, the Client agrees to indemnify the Coach (and its affiliates and their directors, officers, employees, and agents) from and against liabilities, losses, damages, and expenses (including reasonable attorneys' fees) related to a third-party claim or proceeding arising out of a breach by the Client of its obligations under this Contract.


9.1 Assignment​. This Contract applies only to the Client and the Coach. Neither the Client nor the Coach can assign its rights or delegate its obligations under this Contract to a third-party (other than by will or intestate), without first receiving the other's written permission.

9.2 Arbitration. As the exclusive means of initiating adversarial proceedings to resolve any dispute arising under this Contract, a party may demand that the dispute be resolved by arbitration administered by the American Arbitration Association in accordance with its commercial arbitration rules.

9.3 Modification; Waiver. To change anything in this Contract, the Client and the Coach must agree to that change in writing and sign a document showing their contract. Neither party can waive its rights under this Contract or release the other party from its obligations under this Contract, unless the waiving party acknowledges it is doing so in writing and signs a document that says so.

9.4. Noticies.

(a) Over the course of this Contract, one party may need to send a notice to the other party. For the notice to be valid, it must be in writing and delivered in one of the following ways: personal delivery, email, or certified or registered mail (postage prepaid, return receipt requested). The notice must be delivered to the party's address listed at the end of this Contract or to another address that the party has provided in writing as an appropriate address to receive notice.

(b) The timing of when a notice is received can be very important. To avoid confusion, a valid notice is considered received as follows: (i) if delivered personally, it is considered received immediately; (ii) if delivered by email, it is considered received upon acknowledgement of receipt; (iii) if delivered by registered or certified mail (postage prepaid, return receipt requested), it is considered received upon receipt as indicated by the date on the signed receipt. If a party refuses to accept notice or if notice cannot be delivered because of a change in address for which no notice was given, then it is considered received when the notice is rejected or unable to be delivered. If the notice is received after 5:00pm on a business day at the location specified in the address for that party, or on a day that is not a business day, then the notice is considered received at 9:00am on the next business day.

9.5 Severability. This section deals with what happens if a portion of the Contract is found to be unenforceable. If that's the case, the unenforceable portion will be changed to the minimum extent necessary to make it enforceable, unless that change is not permitted by law, in which case the portion will be disregarded. If any portion of the Contract is changed or disregarded because it is unenforceable, the rest of the Contract is still enforceable.

9.6 Signatures. The Client and the Coach must sign this document using Bonsai's e-signing system. These electronic signatures count as originals for all purposes.

9.7 Governing Law. The validity, interpretation, construction and performance of this document shall be governed by the laws of the United States of America.

9.8 Entire Contract. This Contract represents the parties' final and complete understanding of this job and the subject matter discussed in this Contract. This Contract supersedes all other contracts (both written and oral) between the parties.



Acme LLC.

Corporation Corp.
Table of contents

There is no doubt that cash flow forecast templates are vital tools for businesses. Usually, it aids in the cash flow forecasting process by providing a structure for projecting future cash inflows as well as outflows. 

The obvious thing is these templates can detail daily cash forecasting or offer a broader view through a monthly cash flow forecast. 

It is important to highlight that these templates typically include a forecasting model. 

Introduction to cash flow forecast templates

It is well known that a cash flow forecast template provides a structured way of assessing financial inflows (cash inflow) and outflows (cash outflow) that offers detailed insights into the future financial health of a business. 

The cool thing about these templates is they enable accurate cash flow projections. This makes the cash flow forecasting process as easy as pie!

What is a cash flow forecast template?

It's a matter of fact that a Cash Flow Forecast Template is a tool that helps businesses sketch their financial future. Consequently, it reflects cash flow categories such as cash receipts along with payments. 

What’s fascinating is this forecasting model outlines potential cash inflows and outflows too. 

Why is cash flow forecasting important for agencies?

Notably, cash flow forecasting is crucial for agencies as it helps them manage cash outflows and inflows. It’s just astounding how this aids in making informed cash-planning decisions! 

Using Bonsai software offers numerous benefits for simplifying business operations and managing tasks effectively. Bonsai is a comprehensive business management software that offers a suite of tools for project management, client management, and financial management.

A project profitability forecast report in Bonsai provides a forward-looking analysis of a project's financial health. It includes projected revenues, estimated costs, and expected profit margins. The report leverages Bonsai's insights to predict future profitability, considering variables like labor costs, billable rates, and expenses.

Link to Project Activity Report

It helps managers anticipate financial outcomes, adjust strategies, and make informed decisions to ensure the project remains profitable. By analyzing trends and performance data, Bonsai's forecast report is an essential tool for proactive financial planning and maintaining a project's fiscal integrity.

Typically, the forecasting model will take into account different cash flow categories, offering a comprehensive view of financial health. 

It is beyond dispute that a robust cash flow forecasting process allows agencies to better control their daily cash forecasting. The cool thing is this can prevent any potential cash flow issues. 

Key components of a cash flow forecast template

It's interesting to note that the key elements of this template include the cash flow categories that detail cash receipts together with cash payment lines. 

Certainly, the foundation of the forecasting model is either daily cash forecasting or monthly cash flow forecast or both. What’s worth mentioning is that these forecasts contribute to more accurate cash flow projections.

Understanding income and expense categories

It’s an undeniable truth that income and expense categories are vital components of the cash flow forecasting process. Commonly, they are primarily determined by cash inflows (income), comprising elements like:- 

  1. Cash receipts from sales
  2. Cash outflows (expenses), such as cash payments for goods or operational costs

One thing is for sure: These categories are crucial for constructing a viable cash flow projection along with guiding the business in its cash-planning decisions. 

It's significant to note that the interplay between these categories shapes the forecasting model. 

The role of time periods in forecasting

It is commonly accepted that time periods play an essential role in cash flow forecasting. Obviously, it affects the accuracy of cash flow projection and the overall forecasting model. Shorter time periods like daily cash forecasting allow for more precision, but they require more detailed information on cash receipts. 

The role of time periods in forecasting within Bonsai for setting budgets is crucial for accurate financial planning. Time periods, such as weekly, monthly, or quarterly, provide a structured framework for anticipating expenses and revenues. By analyzing historical data and current trends, Bonsai's forecasting tools enable businesses to set realistic budgets for designated time frames.

Link to Client Management

This temporal segmentation allows for more precise resource allocation and helps in adjusting strategies to meet financial targets. Regularly revisiting these forecasts ensures that budgets remain aligned with project goals and market dynamics, fostering a proactive approach to financial management.

On the other hand, longer time periods such as monthly cash flow forecasts provide a broader perspective on cash inflows and outflows. 

Remember, the choice of time period depends on the cash flow categories relevant to the business.

Importance of cash balance in forecasting

It is important to mention that maintaining an accurate cash balance aids in the following things:-

  • Making informed cash-planning decisions
  • Understanding cash flow categories
  • Prediction of cash inflows and outflows

It is fair to say that different forecasting models can assist a business in preparing daily cash forecasting or a monthly cash flow forecast. 

Furthermore, a well-executed forecast helps businesses make certain adequate cash flow for anticipated cash payments, along with formulating a realistic business plan template. 

How to use a cash flow forecast template

It's evident that using a cash flow forecast template starts with identifying cash flow categories such as cash receipts and cash payments. Don’t forget to input this information in the template, together with the cash inflow and outflow figures. 

Depending on your needs, you might utilize different forecasting models such as daily cash forecasting or a monthly cash flow forecast. What’s notable is these help you regularly update and monitor your cash flow forecasting process. The best thing about using the cash flow projections in your business plan template is it presents potential investors with a clear overview of your financial strategy.

Step-by-step guide to filling out a template

When filling out a business plan template, first look at your cash flow projection. Generally, this is an essential part of the process as it gives clear insight into your future financial status. 

Secondly, segment your finances into different cash flow categories. 

In the end, always perform a monthly cash flow forecast. Don’t forget that it provides a broader view of the financial condition over time. 

Common mistakes to avoid when using a template

It's worth noting that templates are incredibly useful for many tasks. However, remember to use the template as a guide and not a rule. 

Please avoid copying the template exactly and instead, adapt it to your needs – make sure to customize it regarding your specific cash outflows and inflows or specific cash flow categories of your business. Also, ensure you thoroughly understand the template. The sad thing is misinterpreting categories like cash payments and cash receipts can lead to incorrect cash planning decisions. 

Never rely solely on a template for your entire forecasting model. What's worth mentioning is a template may not encompass all aspects of your specific business and might overlook certain details. 

Most importantly, update your template continuously. Whether it's for cash flow forecasting process or cash flow projections; business circumstances change often. And, for that reason, your template should mirror these changes. 

The worst thing about an out-of-date template is it may result in off-track cash inflow and outflow calculations. 

Benefits of using cash flow forecast templates for agencies

It is crucial to highlight that using a cash flow forecast template provides a comprehensive forecasting model. The best thing about this is it allows agencies to better manage cash inflows and outflows. 

One thing is for certain: Cash flow projection templates also guide in making informed cash-planning decisions. 

Moreover, these tools simplify cash flow forecasting. With an appropriate business plan template, it’s fascinating how agencies can improve their cash flow projections! 

Improved financial planning

One thing is clear: Improved financial planning largely involves making well-informed cash-planning decisions based on a reliable cash flow forecasting process. 

One notable thing is it also entails creating an accurate monthly cash flow forecast, daily cash forecasting, etc. 

Capacity planning in Bonsai is integral for improved financial planning. It allows for the estimation of resources needed over short to medium term time-frames. This process helps avoid the pitfalls of inadequate resources, which can lead to performance issues, and over-provisioning, which results in wasted funds.

Link to Resourcing

This strategic management of capacity aligns with project demands, enhancing operational efficiency and contributing to a more predictable and stable financial planning process.

Note that this model should divide your finances into distinct cash flow categories, and provide a comprehensive cash flow projection. 

The fantastic thing about forecasting cash outflows and inflows is they will help you manage your finances better.

What’s more, a business plan template can help you create cash flow projections. 

Enhanced decision making

It is essential to acknowledge that the cash flow forecasting process is crucial for enhanced decision-making in businesses. 

Commonly, this process involves a forecasting model, which is used to predict cash outflows and inflows.

What’s fascinating is these projections aid in proper cash-planning decisions. Several cash flow categories are considered in daily cash forecasting that includes:-

  • Cash receipts 
  • Cash payments

It's clear that a monthly cash flow forecast provides an overview of the business's financial situation which is beneficial for creating a sound business plan template. 

One thing is proven: Cash flow forecasting plays a significant role in making efficient financial decisions for a company.

Effective risk management

It is generally agreed that effective risk management necessitates reliable cash flow forecasting, which involves creating a forecasting model to accurately predict cash inflows and outflows. What's worth highlighting is this process is essential for making informed cash-planning decisions. 

Curiously, it encompasses the classification of cash flow categories, providing a clearer overview of the financial situation. 

Remember, tools such as daily cash forecasting, and cash flow projections should be included in your business plan template.

Top cash flow forecast templates available

It's well known that several cash flow forecast templates are available to aid businesses in their cash-planning decisions. What’s notable is that popular templates cater to different needs. 

Mostly, they help with forecasting model building and segregating cash flow categories. 

One thing is for certain: Such templates can also organize details about your cash inflows and outflows. As a result of that, making sound business decisions becomes a piece of cake! 

Bonsai cash flow forecast template

The Bonsai cash flow forecast template is a vital tool for predicting financial liquidity over time. It typically includes sections for projected cash inflows from sales or services, cash outflows for expenses, and net cash flow. With Bonsai, this template is likely customizable, allowing for adjustments based on specific business needs and financial scenarios.

Link to Project Management

QuickBooks cash flow forecast template

It is evident that the QuickBooks Cash Flow Forecast Template provides businesses with an efficient cash flow forecasting process. 

What's obvious is that the template uses a forecasting model that categorizes cash inflows and outflows for daily cash forecasting and monthly cash flow forecasting. It is essential to acknowledge that this makes planning and decision-making regarding cash like a walk in the park!

The fantastic thing about this template is it offers organized sections for cash receipts, cash payments, and other cash flow categories. 

By employing the QuickBooks Cash Flow Forecast Template, it is beyond question that financial accuracy and reliable cash flow projection are within reach.

Smartsheet cash flow forecast template

It is significant to note that the Smartsheet Cash Flow Forecast Template simplifies the cash flow forecasting process for businesses of all types and sizes. 

Usually, the template allows users to track cash inflows and outflows, categorizing them according to various cash flow categories. This not only aids in daily cash forecasting but also enables stakeholders to make informed cash-planning decisions. 

Microsoft Excel cash flow forecast template

Impressively, Microsoft Excel provides a cash flow forecast template that enables businesses to make cash-planning decisions using a forecasting model. 

It is relevant to mention that this template aids in grouping transactions into cash flow categories. 

It is vital to recognize that payment of cash, and various other factors are taken into consideration during this process to derive the monthly cash flow forecast. 

The beneficial thing about this tool is it is incredibly helpful in the cash flow forecasting process. It’s staggering how MS Excel can easily integrate into any business plan template!

Customizing cash flow forecast templates for your agency

It's crucial to be aware that creating accurate and personalized cash flow forecasts for your agency requires a thorough understanding of cash flow categories. 

Whether you're using a daily or monthly cash flow forecast; it is imperative to note that the forecasting model should fit your agency's operational needs and cash-planning decisions. 

Don’t forget to use a business plan template customized to reflect your cash flow projection. 

What’s worth mentioning is you should always consider factors such as accurate forecasting of cash receipts, meticulous tracking of cash payments, etc. 

Adapting templates to your agency's needs

It is beneficial to understand that your agency can utilize various business plan templates to its advantage. 

Undoubtedly, these can aid in constructing cash flow projections based on cash inflow and outflow. This takes into account the different cash flow categories. 

The good news is this can facilitate cash-planning decisions. It can provide an overall streamlining of your cash flow forecasting process too. 

It is essential to acknowledge that daily cash forecasting becomes more manageable with these tools. Evidently, there is no doubt that adopting these tools can help refocus your forecasting model for better accuracy and predictability. 

Integrating templates with other financial tools

It is important to emphasize that templates can be seamlessly integrated with other financial tools. 

They aid in making cash-planning decisions as they provide valuable data on:-

  • Cash flow categories
  • Projections of cash flow

Inarguably, this helps streamline your cash flow forecasting process. It's surprising how the use of these integrated tools generates a more accurate cash flow projection! 

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Conclusion: maximizing the use of cash flow forecast templates

It goes without saying that maximizing the use of cash flow forecast templates significantly aids in making effective cash-planning decisions. By enabling an accurate cash flow forecasting process, definitely, businesses get a clear projection of future cash inflows and outflows. 

One thing is proven: Having daily cash forecasting or even a monthly cash flow forecast offers valuable insights into future cash flow categories. This includes anticipating receipts of cash and payments of cash. 

Therefore, it's indisputable that a well-strategized use of these tools promotes a better understanding of future cash flow projections along with the financial health of the business.

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Cash flow forecast template

First Name
Last Name
Acme LLC.
First Name
Last Name
Corporation Corp.
First Name
Last Name
Acme LLC.
First Name
Last Name
Corporation Corp.