Small Business Financial Plan Workbook – Second Edition

A Guided, Interactive Tool for Building 3-Year Small Business Financial Projections with Confidence

© 2025 AMA Consulting Group LLC | 2nd Edition

 

Build a financial plan that helps you understand where your business is going—not just where it is today. The revised Small Business Financial Plan Workbook from AMA Consulting Group is a practical, Excel-based planning resource designed to help new and established small businesses develop clear, organized three-year financial projections—and better understand the numbers behind them.

 

This revised edition goes beyond entering numbers into a spreadsheet. Each primary worksheet includes an overview, instructions, planning insights, and questions to consider, helping you think through your assumptions and make more informed financial decisions.

 

Whether you’re launching a business, developing or updating a business plan, preparing for financing, planning for growth, or strengthening the financial planning process of an existing business, this workbook gives you the structure and tools to plan with greater clarity and confidence.

 

What’s Inside:

 

• Revenue Forecast – Project monthly unit sales by product or service using expected pricing and Cost Per Unit, with annual and three-year revenue projections.

 

• Expense Forecast – Estimate operating expenses over the three-year planning period and monitor how projected costs change as your business grows.

 

• COGS/Cost of Sales Tracker – Identify the direct costs associated with producing your products or delivering your services, calculate Cost Per Unit, and better understand the costs behind each sale.

 

• Funding & Capital Tracker – Organize owner contributions, loans, grants, investor capital, lines of credit, and other funding sources, including how funds will be used and whether repayment is required.

 

• Cash Flow Forecast – Project cash coming into and going out of your business each month to identify potential cash shortages and understand your expected cash position.

 

• Profit & Loss Forecast – Automatically summarize Gross Sales, COGS/Cost of Sales, Operating Expenses, and Net Profit for each year of the planning period.

 

• Balance Sheet Forecast – Project your business’s assets, liabilities, and Owner’s Equity over three years and use the built-in Balance Check to confirm that your projections are aligned.

 

• Financial Snapshot – Review key financial performance, cost management, cash, and financial position indicators in one place, including profit margins, revenue growth, cost ratios, debt ratios, and equity ratios.

 

• Supporting Trackers – Organize assets, liabilities, recurring bills, payroll costs, and other information that supports your financial projections.

 

• Sample Data – See how worksheets function and connect before replacing the sample information with your own.

 

More Guidance in the Revised Edition

 

Financial planning is about more than completing calculations. The revised workbook includes built-in guidance to help you understand what you’re planning, how the worksheets connect, and why the numbers matter.

 

Throughout the workbook, you’ll find:

 

• Worksheet overviews
• Step-by-step instructions
• Planning assumptions
• Planning insights
• Questions to consider
• Automated calculations and worksheet connections
• Monthly, annual, and three-year summaries
• Financial ratios and performance indicators
• Built-in protections to preserve critical formulas and formatting

 

What Problem Does This Solve?

 

Knowing how much money your business made last month is important. But that alone doesn’t tell you where your business may be headed financially.

 

How much do you expect to sell over the next three years? What does it cost to produce your products or deliver your services? Will your projected sales generate enough gross profit to cover operating expenses? Will you have enough cash available when bills are due? How much funding might you need? And what could your overall financial position look like as your business grows?

 

The Small Business Financial Plan Workbook helps you work through those questions in one organized planning resource. Instead of waiting until you need financial projections for a business plan, loan application, funding opportunity, strategic decision, or growth initiative, you can begin planning ahead—and use your numbers to make more informed business decisions.

Complete Your Small Business Planning Toolkit

 

Pair the Small Business Financial Plan Workbook with the Launch Your Small Business with Confidence Workbook for a complete planning toolkit for additional guidance as you build and structure your business.

 

Plan with clarity. Understand your numbers. Make informed financial decisions.