How to fill in SB Hub templates

Key points in this article

  • Business plan template
  • Set-up costs template
  • Balance sheet forecast template

Cash flow forecast template

This is an essential tool for any small business. Being able to monitor the cash flow in and out of your business is vital, because it helps you plan ahead for good and bad times.

It’s important to conduct cash flow forecasts regularly, and the more you do it, the better you’ll become at it. Some tips to keep in mind include the following.

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Make sure your figures are accurate

There’s not much point in conducting the forecast if your numbers aren’t correct. Additionally, if the bank has asked to see a cash flow forecast when considering a loan, it needs to know that it’s accurate.

If you’ve made any assumptions about your figures, include some detailed notes at the bottom of the template explaining your assumptions.

Do your research

When you’re estimating sales, make sure you’ve got some solid market research in place to back up your projections. This is especially important if you’re running a seasonal business.

Estimate costs

You do this after you’ve estimated sales, and again, you need to provide explanations as to how you reached these estimations.

Be realistic

Check your capacity and consider how feasible your monthly cash flow figure is. For example, if you’re invoicing $50,000 worth of sales in a month, you still need to take into account whether or not you’ll be paid on time.

Run it by your accountant

It’s always good to have another set of eyes on your cash flow forecast, especially experienced ones. So get your accountant to check over your forecast. They’re good at picking up on areas you might have overlooked, like tax obligations.

Business plan template

This template will help you create your own business plan. This is an essential tool for all businesses. Not only will it help you stay on track and monitor your goals and progress, but you’ll need to present it to any potential lenders or investors.

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Add or remove section if you need to

Some of the sections might not apply to your business. That’s fine – the template is flexible, so you can add or remove sections as you please. Tailor it to your business.

Share your plan

It’s a good idea to complete the business plan with your advisors or accountant. Or at the very least, run it by them when you’ve finished. Our ANZ Small Business Specialists will also be happy to help you with it.

Your business plan template is a guide – use it as you see fit

Profit and loss template

This is different to a cash flow forecast, but it’s just as important. You need to have some idea of the money your business will make over the next year, as well as what your costs are likely to be.

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Predicted sales

Starting with the next month, enter what you think is a realistic sales figure. You also need to include a figure for returns and discounts.

Additional revenue

Does your business have other sources of income? Enter them as well, as a positive number (the template will automatically make the calculations for you).

Beginning of the month stock level

Enter what this is at the start of the month, and then add purchases and any other costs.

End of the month stock level

Enter what your predicted stock level will be. The template will calculate the total costs and your gross profit for the month.


This is the second half of the template and deals with your selling, admin and finance expenses. You need to make sure you include any interest and hire purchase expenses, as well as what you estimate your tax will be for the month. Repeat this for each month.

Calculate your set-up costs template

Start-up costs are almost always more than you think they’ll be, but you can calculate them as accurately as possible with this template.

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Revenue calculator

This is how much you think you can make. And it’s where the profit and loss, and cash flow templates can help.

Capital costs

These are expenses such as equipment, stock, training and marketing. They’re usually one-off costs or at least ones that don’t occur monthly.

Monthly costs

These are expenses that you’ll need to meet monthly, such as staff wages and overheads like electricity, rent and rates.


Once you’ve completed each step, you can view the summary of your set-up costs.

Use the set-up costs template to help get accurate starting up calculations

Calculate your break-even point template

Break even calculations are a key component of business plans – identifying the volume of sales needed to cover all your costs. Ideally, your business wants to reach this point as soon as possible so it can begin to turn a profit.

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Fixed costs

These are your overheads, like rent, power, phone and wages. They’re costs you need to pay no matter how good or bad your sales are.

Variable costs

These increase depending on your level of sales, and typically include cost of goods sold, sales commissions and shipping charges.


The template sets out the formulas you use to calculate your break-even point. This will be automatically generated after you submit all your figures.

Balance sheet forecast template

It’s a good idea to try and predict what your balance sheet will look like by the end of the year. This will help you plan for future growth and will give you a heads-up if problems are likely to occur.

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Enter the dollar value of assets that could be converted into cash, such as equipment or vehicles. Do the same for your fixed assets – those that can’t be easily converted into cash.


Current are those that need to be settled in the next 12 months, long term are those that are due after a year.


This is goodwill, owner’s equity and retained earnings from the previous year.


The template will automatically calculate all these figures.

Predict what your balance sheet will look like at year-end with the balance sheet forecast template

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