Issues o aplikacji "Cash Flow"

What if sales are sufficient and we're thinking about increasing production? Would it make sense to take a loan for equipment for our business? Let's see:

Right now, we only have one printing machine in our arsenal, and the number of orders is gradually increasing. We want to consider purchasing a second machine on credit.

What if finances aren't sufficient to cover upcoming expenses? Of course, it's better to prevent such situations in advance, but what should you do if it has already happened?

The app's chart shows that we're facing a cash gap by the end of the month. But being warned means being armed. We still have time to do something about it-negotiate delayed payments or an advance payment from a client. First, let's find out whether we should take a loan to cover future expenses:

Our business is growing, operating 24 hours a day, and there aren't enough hands to do everything? Maybe it's worth considering hiring additional staff. In the "Cash Flow" app, simply calculate whether we can afford to expand our team:

Let's hire an advertising manager for our company and see how this will affect our business. Sales may increase, but our expenses will also rise. Will it be profitable?

Application "Cash Flow" is integrated with the Shopy-Script app, meaning it is closely tied to online stores. Let's build an online store business plan using the "Cash Flow" app interface!

1. Download the "Cash Flow" app.
2. We have an empty store account. Predefined income and expense categories are already available, so you can start configuring right away.
3. Add initial balance. Opening a store requires 1,000,000. We create a transaction in the "Investments" category for 500,000 PLN, and the rest we will take as a bank loan. This is our initial capital.
4. Add loan repayment transactions. We will pay it back with interest, so we set aside -15,000 each month for 3 years.
5. Indicate planned investments.
   -15,000 for website development
   -15,000 for logo creation
   -10,000 for company registration
6. Specify recurring expenses for purchasing goods, warehouse rental, and advertising:
   -300,000/month for goods purchase
   -30,000/month for warehouse rental
   -50,000/month for advertising budget
7. Hire employees and enter their monthly salary costs:
   -25,000 for sales manager
   -15,000 for warehouse manager
   We've gone deeply negative! Soon there will be no money left :( Opening an online store doesn't seem like a good idea now. But we are planning to sell!
8. Add future sales. "Cash Flow" can only provide an accurate financial forecast when both expenses and revenues are specified in the system. We calculate average sales and add the forecast with appropriate items:

With an advertising cost of 100 PLN per month, we will get 500 customers with an average bill of 1,000 PLN. We enter recurring sales of 500,000/month

Done! Calculating any business plan in the "Cash Flow" app is very easy!

Let's check whether opening a coffee shop is profitable and how quickly our investment will pay off!

1. Download the "Cash Flow" app.
2. Create a new account for our coffee shop.
3. We now have an empty account for our coffee shop. Predefined income and expense categories are available, so we can start configuring right away.
4. Let's add additional categories needed for our project. For example, "Renovation".
5. Add initial balance. We create a transaction in the "Investments" category for 500,000 PLN. This is our initial capital.
6. Enter planned expenses for renovation, equipment, and utensils:
   The largest expense this month (-80,000), a bit smaller next month (-40,000), and for a coffee machine (-100,000)
   
7. Enter recurring expenses. Salaries, advertising, rental or loan repayments – all regular transactions are best added immediately, setting the date and frequency of deductions.
   
   a. Enter 30,000 monthly for rent and repeat every month.
   b. Purchase consumables. In a coffee shop, these are takeaway cups, milk, and coffee: -5,000 for cups, -16,000 for milk and cream, -34,000 for coffee beans.
   c. Now hire employees. At 2,000 per shift, it should be enough. Let's assume one per day.
   d. Start advertising on social media with a weekly limit of 3,000 PLN. Now customers will definitely come!
   
   We've gone deeply negative! Opening a coffee shop doesn't seem like such a good idea now. But we are planning to sell!
   
   
8. Add future sales. Application "Cash Flow" can only show an accurate financial forecast when both expenses and revenues are defined in the system. Calculate average sales and add the forecast to the appropriate item.
   Add sales of 300 cups of coffee daily at an average of 10 PLN. And after a few months, we will sell twice as much. Done! Now the balance doesn't look so bad. :)
   
   At this rate, we will be in the black within ten months. Creating any business plan in the "Cash Flow" app is simple!