Practical templates for cash flow, tax reserves, invoicing and banking decisions. Download the files directly with no email gate, then adapt them to your own business.
Downloads
These are actual files, built to be saved and used offline. They do not send financial inputs to the site.
Free download
XLSX · Enter individual weekly receipts, payments and exceptional items.
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PDF · A one-page pre-send check for clear, complete invoices.
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Markdown · Plain-text B2B reminders and escalation notes.
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DOCX · Editable B2B email templates, call note and contact/evidence log.
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XLSX · Separate sole-trader, partnership and limited-company planning assumptions.
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XLSX · Compare planned and actual sales, costs, reserves and overdue invoices.
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XLSX · Define what you need before comparing account providers or offers.
Download fileHow to use each file
Each resource supports a specific operating habit. Save a working copy, date the inputs and make the next review part of the calendar.
Resource guide
Use this when the bank balance is not enough to tell you what is safe to spend. Start with the actual opening balance, put receipts in the week they are expected to land and enter payroll, suppliers, VAT, tax and unusual costs on their real dates. Update it after each weekly bank reconciliation. The aim is to see the low point early, not to create a perfect annual prediction.
Resource guide
Use this just before the invoice leaves the business, not after a customer has missed the due date. It helps the sender check the customer details, agreed terms, invoice reference, description, payment route and due date are all clear. Save it with the billing process and make one person accountable for the final check. It is a practical prompt, not a substitute for checking the contract or tax requirements that apply to the sale.
Resource guide
Use the plain-text version if you keep communications in a shared knowledge base or want a lightweight format to adapt. Keep each message factual, use the agreed invoice details and log every contact. Stop and check the contract, the reason for any dispute and the relevant official guidance before claiming interest, costs or taking a formal recovery step. The templates are not a letter before action, court form or legal advice.
Resource guide
Use this editable Word pack when several people need to follow one documented B2B chase sequence. Replace every bracketed placeholder, save the sent version and maintain the contact log as the single record of what was said, promised and due next. It deliberately uses factual wording rather than a legal threat. For a disputed, consumer, high-risk or formal recovery matter, pause and obtain appropriate advice before escalating.
Resource guide
Use this as a reserve and date-tracking worksheet alongside current records, not as a filed tax calculation. Keep sole-trader, partnership and limited-company assumptions separate, record what has already been set aside and enter the account-specific deadline from HMRC or the adviser. Revisit the inputs after material changes in profit, VAT status, payroll or year end. The file is deliberately a planning aid; the actual liability depends on the facts and current rules.
Resource guide
Use this on the same working day each month after the bank and bookkeeping records are reconciled. Enter the plan and actual figures, investigate a material variance and write one owned next action rather than trying to solve every issue at once. It is most useful when it is compared with the rolling cash forecast and aged invoices, because accounting sales and cash received can move differently. Keep the dashboard as a management routine, not an annual reporting exercise.
Resource guide
Use this before looking at account comparisons, promotions or review tables. Capture payment volume, cash handling, team access, accounting integrations, tax pots, support needs and budget, then rank each as a must-have or preference. Check provider evidence against the current terms rather than carrying assumptions from a personal account. The worksheet helps you compare requirements consistently; it does not select an account or assess a provider’s suitability for your business.
For the editable late-payment pack, verify the contract, invoice and current official guidance before sending a chase or pursuing a recovery step. The GOV.UK guidance on late commercial payments and debt recovery is the current starting point; legal processes can differ by jurisdiction and facts.
Printable checklists
Use these short, printable prompts alongside the downloadable files above.
Free checklist
One page to complete on the first working day of each month.
Free checklist
Fifteen minutes, same slot every week.
Free checklist
The order that causes the least disruption.
Free checklist
Six controls that remove most expense chaos.
Free checklist
The four steps that prevent 80% of late payment.
Free checklist
Questions to ask before sending your next quote.
Free checklist
The routine that removes tax anxiety.
Free checklist
Questions to ask before scaling.
