Teasers

Descriptions of stuff available in the free downloads showcase.  You must be registered to download. Not any more, they are free to download for anyone. Please do let us know if they are useful or if you find something that could be improved.

 

Features

1)    Profit and Loss, balance sheet and cash flow integrated
2)    Working capital modelled for balance sheet and cash flow
3)    Staffing budget made easy, set up for up to 45 staff
4)    Charts to highlight key trends
5)    Contents page for easy navigation
6)    Factoring finance model, if needed, for working capital budget
7)    Commentary page

Use this for planning or for demonstrating the plan to potential funders.  Then use it to compare performance against plan. You can also use it to delegate responsibility and hold people accountable.

 

A cash forecast is an absolute must for any business.  We provide two cash forecasting spreadsheets in our free download section.

The first you can use to look three months ahead on a monthly basis, helping you to catch any issues or opportunities early. This version covers thirteen weeks, week by week. It also allows you to keep track of where you are against the forecast.

The second is a daily forecasting tool, for those who need to keep a very close eye on their cash day to day, either to keep their bank manager happy or to manage money closely and make the most of interest bearing deposits.  It covers thirty five days, so that the forecast goes just past the month end, thus covering those oft neglected first days of the next month.

Use this Excel spreadsheet to compare two bank loans, or to calculate the actual rate of interest being charged on a loan.

Features

  1. Converts all fees into a cost of money - the interest rate - making loans with different fees comparable
  2. Copes with bullet payments (where an element is repaid as a lump sum at the end)
  3. Exposes the flat rate sham
  4. Shows the actual (nominal) rate of interest the bank is charging, along with the corresponding APR
  5. Copes with monthly payments for terms up to 30 years
  6. Shows the amount of debt outstanding at any point during the loan
  7. Quick calculator for simple cases where you know the repayment and want to know the rate

 

The Problem

A company imports from abroad and does not have to pay for the goods until they are sold on. Payments must be made in the currency of the supplier.  The problem with this is that the exchange rate at the time the goods have to be paid for is a future unknown.