What You Can Expect From This Tool:

  • An analysis of your current cash flow position
  • Advice on how to help you improve your cash flow
  • Resources to answer questions and fine-tune your plans

Start by Telling Us How Long You’ve Been in Business


How much money do I need to start my business? To help figure this out, begin by entering your start-up costs.

Add individual costs for the following start up line items1:


Money In

This is important since, the faster you can turn sales into cash, the less of your own capital you need and/or the less you’ll need to borrow.

Month 1 Month 2 Month 3 Month 4 Month 5 Month 6
Same as Previous Month
Accounts Receivable
Annual Interest Rate
Cash Sales
New Loans

Calculated Average Cash In:

Money Out

Minimize your need for outside financing by keeping an eye on the outflow of funds, and staying within the terms set by your suppliers.

Month 1 Month 2 Month 3 Month 4 Month 5 Month 6
Same as Previous Month
Mortgage and/or Rent
Lease/ Loan Payments
Utilities/ Property Taxes
Staff Payroll
Inventory Purchases
Marketing and Advertising
Equipment Rental
Vehicle Expenses

Calculated Average Cash Out:

Cash Flow Forecast

Now that you’ve detailed where your money is coming from and where it is going, your estimated cash flow forecast is presented below.

You can see how your cash flow position changes by changing the percentages below. Below value represents 100% of your previously entered amounts.

Start-Up Month 1 Month 2 Month 3 Month 4 Month 5 Month 6
Start-Up Cash -- -- -- -- -- --
Start-Up Costs -- -- -- -- -- --
Money In --
Money Out --
Surplus/ Deficit


Cash Flow Summary

Start-Up Cash

Start-Up Costs

Initial Start-Up Capital

Average Money In

Average Money Out

Average Monthly Cash Flow

Suggestions to Improve Your Cash Flow2

  • Offer a Credit Solution for Your Best Clients: The terms of payment you offer your customers may influence how quickly they pay you. Keep in mind that you don't have to offer all customers the same terms. Consider discounts for early payments, and/or interest charges for late payments.
  • Bank Electronically: Deposit payments faster by converting to electronic payment systems or by depositing cheques sooner through an electronic depositing solution such as Mobile Cheque Deposit or Cheque-Pro®.
  • Align Supplier Payments to Your Timeline: Wait as long as possible to pay suppliers, unless waiting will cost you money or you can earn a discount for making an earlier payment.
  • Stay Competitive: Keep informed on your competition and continue to compare your business through SWOT analysis in terms of pricing and other elements.

Recommendations to Maintain a Positive Cash Flow

Fast and easy, RBC Visa Business Platinum Avion allows you to conveniently make the purchases you need, when you need them.

Learn More about Visa business credit cards

Provides peace of mind for unexpected cash flow shortages – for example when you have to pay employees or suppliers before the money you’re expecting comes in.

Learn More about Royal Business Overdraft Protection

Moves money automatically to or from your business account. Borrow money when you need it, and automatically pay it back when you have a surplus in your account.

Learn More about Royal Business OperatingLine

Keep track of your cash position from anywhere you have internet access. Review your account, pay bills, or deposit cheques from your home, home office, on the go or wherever you are working.

Learn More about Online and Mobile Banking

Ready to Get Started?

How many employees do you have?

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