Managing cash flow is one of the trickiest parts of running an ecommerce business. Sales might be steady, but if cash is tied up in inventory or bills are due before money comes in, things can get tight fast. Unfortunately, it’s a common struggle. On average, small business owners in the U.S. miss out on approximately $43,394 a year because cash flow issues force them to turn down projects or sales. That is not because their company is not working. The money is there, but it just is not always available at the right time.

With this free Cash Flow Statement Template for Google Sheets & Excel, it can be easier to track your finances without the stress. Instead of guessing where your money is going, you will have a clear breakdown of cash coming in and going out. This helps you prepare for the future, keep costs under control, and make decisions with confidence, knowing exactly where your business stands.

Why Cash Flow Matters for Ecommerce Businesses

Cash flow can make or break a business. About 82% of businesses in the United States fail because they do not have enough cash to cover their expenses. An online store might be profitable on paper, but if cash is not available when bills are due, things can go downhill fast.

For ecommerce brands, this can be even more challenging. Inventory has to be purchased before it can be sold. Marketing needs to be paid for upfront, while payroll and shipping costs do not wait for revenue to catch up. If too much cash is tied up in unsold products or delayed payments, it can put unnecessary pressure on the business. About 42% of small businesses struggle with overstocking, which only makes things harder by locking up cash that could be used for growth or daily operations.

What’s Inside the Cash Flow Statement Template?

This free template is designed to make tracking cash flow simple and stress-free. It gives you a full view of your finances, making it easier to control costs and stay prepared for whatever comes next.

• Monthly and Weekly Cash Flow Models – Choose between a high-level monthly overview or a more detailed weekly breakdown to monitor cash movement.
• Automated Calculations – Enter your numbers, and the template does the math for you. No complicated formulas to set up.
• Customizable for Any Business – Designed to work for small shops and fast-growing ecommerce brands, the template can be adjusted to fit different business needs.

Download the free template here and start improving your money management today!

How to Use the Cash Flow Statement

This template is built to be simple and practical. You can follow these small steps to get a full view of your cash activity and keep your online store’s finances organized.

1. Enter income sources – Add sales, refunds, and any other money coming into your business.
2. Track expenses – Record inventory purchases, marketing costs, payroll, and other operating expenses.
3. Monitor cash flow trends – Spot patterns and identify times when cash might run low.
4. Make informed decisions – Use the data to prepare for the future, manage spending, and expand your business confidently.

You will always know where your organization stands financially, helping you avoid surprises and keep things running smoothly.

How Clearco Helps Ecommerce Brands Grow

Keeping track of cash flow is a great start, but having access to funding when you need it is just as important. Clearco provides ecommerce businesses with non-dilutive capital, meaning you can get the funds to grow without giving up equity. Instead of taking on risky loans, brands can secure funding and repay it flexibly based on their revenue.

Clearco makes the process fast and simple. Businesses can get capital in as little as 24 hours, helping them invest in inventory, marketing, or expansion without waiting for their funds to balance out. This kind of support allows ecommerce brands to scale at the right time, without sacrificing ownership or taking on unnecessary financial stress.

Ready to Take Control of Your Cash Flow?

Running a business comes with plenty of moving parts, and cash flow is one of the most challenging to handle. Some days, everything feels stable. Other times, expenses hit before the cash is there to cover them, and it can feel like you are constantly trying to catch up. If that sounds familiar, you are not alone.

The good news is that small changes can make a big difference. Clearco’s free cash flow statement template gives you an easy way to keep up with your incoming revenue and outgoing expenses, so you can make informed choices instead of guessing. If you ever need extra support, Clearco offers flexible funding that works with your revenue without giving up equity. Consider downloading our free template and take one more step toward building a business that runs on your terms.