Lack of cash is one of the biggest reasons small businesses fail. The Small Business Administration says that "inadequate cash reserves" are a top reason startups don't succeed. It's called "running out of money," and it will shut you down faster than anything else. Cash flow is king for small businesses and the self-employed. But planning cash flow is easier said than done, especially if you’re not a numbers person.

SCORE offers small business owners a wide selection of free business templates for download, including a sample cash flow projection spreadsheet template (with formulas built in for those of us who are spreadsheet illiterate). Click on the Download Template button for a copy.

Monthly Cash Flow Template