B2B SaaS Business 12-Month Cash Flow Model (Excel XLSX)

BENEFITS OF THIS EXCEL DOCUMENT

1. Provides a structured framework for forecasting and managing your 12-month cash flow with clarity and precision.
2. Delivers an organized, SaaS-ready model that simplifies budgeting, liquidity planning, and financial decision-making.
3. Enables your organization to track cash inflows, outflows, and operating metrics in a single, efficient, and actionable template.

SAAS EXCEL DESCRIPTION

This product (B2B SaaS Business 12-Month Cash Flow Model) is an Excel template (XLSX), which you can download immediately upon purchase.

Curated by McKinsey-trained Executives


12-Month Cash Flow Model for B2B SaaS – The Ultimate Excel Template for Forecasting, Liquidity Planning & Scalable Growth

If you're running or scaling a B2B SaaS company, you already know that *cash flow is the true health metric* of your business—not vanity KPIs, not pipeline optimism, and definitely not outdated spreadsheets with guesswork formulas.
What your finance team needs is a real, structured, automated Cash Flow Forecast that reveals exactly where your cash is going month by month.

Introducing the B2B SaaS 12-Month Cash Flow Model, a professionally built Excel template engineered for subscription-based businesses, recurring revenue models, and fast-growing SaaS teams that need total clarity over liquidity, burn rate, runway, and operational cash requirements.

This 12-Month Cash Flow Forecast Template consolidates everything—cash inflows, cash paid out, SaaS-specific operating data, and net cash position—into a single, intuitive workbook designed for accurate decision-making and proactive financial planning.


Why B2B SaaS Companies Choose This Cash Flow Template

This model gives you a detailed month-by-month view of your financial position, instantly calculating:
•  Total cash inflows
•  Total cash outflows
•  Net cash position
•  Ending cash balance
•  Liquidity alerts
•  Operating metrics critical to SaaS finance

Perfect for FP&A teams, founders, controllers, CFOs, and SaaS operators who need real-time visibility, this template eliminates guesswork and turns your cash flow into a *predictable, controllable strategic advantage.*


What's Inside the 12-Month Cash Flow Workbook

Starting Point & Minimum Cash Alerts
Set your opening cash balance and trigger automatic alerts when cash drops below a defined minimum threshold—ideal for managing burn rate and staying ahead of liquidity risks.

Cash on Hand Tracking
Monitor beginning and ending monthly balances. All updates flow automatically as soon as inflows and disbursements are entered.


Detailed Cash Receipts / Inflows
Comprehensive tracking of SaaS-specific incoming cash, including:
•  Cash inflows from sales
•  Sales returns and discounts
•  Receipts from customer accounts
•  Interest income & miscellaneous receipts
•  Proceeds from loans
•  Capital contributions
•  Additional inflows
•  Auto-summed monthly & annual inflows
•  Total cash on hand automatically updated


Cash Paid Out / Disbursements (Built for SaaS Operations)

A complete, categorized breakdown of SaaS-relevant operating expenses, including:

Marketing & Growth Operations
Product marketing campaigns, demand generation, webinar promotions, digital advertising, SEO, content creation, and social media management.

Sales Commissions & GTM Fees
Sales rep commissions, reseller fees, CRM fees, payment processing fees, referral incentives.

Contracted Labor
Developers, UX/UI experts, security specialists, analysts, writers, customer success contractors.

Employee Benefits
PTO, bonuses, retirement contributions for engineering, product, and GTM teams.

Insurance
Cybersecurity insurance, liability insurance, property insurance, and business interruption coverage.

Interest Charges
Working capital loans, equipment financing, business credit interest.

Cloud & Technical Infrastructure Costs
Cloud services, API resources, dev tools, and software infrastructure.

Meals & Entertainment
Enterprise client meetings, onboarding visits, partner lunches.

General Office & SaaS Tools
Communication tools, office supplies, analytics platforms, project management software.

Taxes & Regulatory Fees
Compliance costs, data privacy certifications, licenses, tax filings.

Travel
Client visits, conferences, partner events, onboarding workshops.

Payroll / Wages
Engineering, product, sales, customer success, marketing, operations, admin.

Other Operational Categories
Miscellaneous SaaS tools, API credits, security audits, infrastructure upgrades, maintenance, equipment leases, rent, and office operations.

Capital & Financial Outflows
•  Loan repayments
•  Capital asset purchases
•  Startup expenses
•  Reserve transfers
•  Owner withdrawals
Automatically summed to produce Total Cash Disbursed and Ending Cash Balance every month.


Other Key Operating Data Included
This template goes far beyond basic cash flow spreadsheets by also tracking:
•  Total sales revenue
•  Outstanding customer receivables
•  Allowance for doubtful accounts
•  Inventory holdings (if applicable)
•  Supplier payables
•  Asset depreciation
Perfect for SaaS companies that need a full operational financial snapshot—not just inflows and outflows.


Built for Forecasting, Budgeting & SaaS Financial Strategy

This template is ideal for:
•  SaaS budgeting cycles
•  Monthly/quarterly forecasts
•  Scenario planning ("What if churn spikes?", "What if we hire 20 engineers?")
•  Investor reporting
•  Cash runway analysis
•  Annual operating planning (AOP)
•  CFO dashboards and board prep
With automated summations, built-in formulas, and clean financial structure, this workbook becomes the central tool for cash-based decision-making all year long.


Take Control of Your SaaS Cash Flow Today
If you want a simple, accurate, and powerful way to manage your liquidity and optimize financial performance, the 12-Month Cash Flow Model for B2B SaaS is the ultimate Excel template for you.

**Forecast with confidence.
Manage cash with clarity.
Make decisions with precision.**



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Source: Best Practices in SaaS Excel: B2B SaaS Business 12-Month Cash Flow Model Excel (XLSX) Spreadsheet, SB Consulting