|Description||Your business might survive for awhile without profit but running out of cash will sink the ship. This workshop will be helpful whether you are making financial projections for your bank, investors, or for your own decisions and peace of mind. You will be provided access to an Excel spreadsheet template for making financial projections. Examples will be provided to help you walk through the process of entering your expenses, sales by category, and possible loans and capital expenses. Understanding the effect of seasonal sales and the potential need for a line of credit will be covered. If you want to compare your ratios with industry averages, this planning tool will allow for that. Three years of projected balance sheets and income statements are the result. Most importantly, it allows you to project your cash flow month by month for the next year.