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To take home \$--, you should ask for:
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Calculate how much you’ll pay in Square fees for online, in-person, and manually-entered payments.

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In-person payments
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For in-person payments with a card, Square charges a fee of 2.6% + \$0.10 per transaction.
\$ --
\$ --
Manually-entered payments
i
For manually-entered payments or card-on-file payments, Square charges a fee of 3.5% + \$0.15 per transaction.
\$ --
\$ --
Online payments
i
For online payments or payments via invoice, Square charges a fee of 2.9% + \$0.30 per transaction. (If you're signed up for the Premium plan, the percentage fee is lower at 2.6%.)
\$ --
\$ --
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Total interest paid:
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To take home --, ask for:
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D

## What is a Cash Flow Statement?

In a nutshell, a cash flow statement is a financial statement that looks at the amount of money you’ve got coming in and paid out. Business owners can look at these inflows and outflows over a predetermined period of time, whether that’s over a month, quarter or year.   This financial statement helps businesses look at how well they’re managing their cash. As in, it looks at whether there is enough cash that’s generated to fund operating expenses and ongoing debt obligations.

## What Do I Need to Include in a flow statementCash Flow Statement?

Even though small businesses will earn revenue in various ways, a cash flow statement is generally divided into three components: cash from operating activities, cash from investment activities, and cash from financing activities.

### Cash From Operating Activities

This section will include how you earn and use cash from your business activities. Income includes cash from goods and services sold and interest earned. Cash outgoings can include salary payments, income taxes, vendor invoices, rent, debt repayments, and other kinds of regular operating expenses.

### Cash From Investing Activities

Investing activities are any inflows and outflows of cash from your business investments. You can include loans made to suppliers or customers, a sale or purchase of an asset, and any payments for a business acquisition.   For example, if you purchase new equipment to expand your screen printing business, you’ll include it in this section.

### Cash From Financing Activities

Here, you’ll include sources of cash from banks or investors. You’ll also need to include any cash you pay back to investors, such as repayment of the loan principal or buy back of shares in your business.   If you raise money for your business, it’ll count as cash coming in, but it counts as cash going out when you pay back investors or banks.

## Example of a Cash Flow Statement

Here’s a quick look at what a cash flow statement looks like:

Cash Flow from Operating Activities    Net Earnings \$200,000

Increases in Cash    -Payroll \$20,000   -Suppliers \$15,000   -Taxes \$2,000

Decreases in Cash    -New inventory (\$10,000)

Net Cash from Operations \$247,000

Cash Flow From Investing    Equipment (\$2,000)

Cash Flow From Financing    Loan repayment \$20,000

Cash Flow for EOY 2020        \$265,000

## What if I Have a Negative Cash Flow Statement?

Having a negative cash flow statement doesn't necessarily mean your business is in trouble. It does mean, however, that you need to look further into why that may be. In some cases, having a negative cash flow is because you’ve made a number of investment decisions which temporarily affected how much cash you have left over by the end of the month. Since an investment’s goal is to encourage growth and expansion, you probably don’t need to be concerned.   Looking at changes in cash flow from successive statements is helpful since it gives you a bigger picture of how your business is doing. If your business is consistently experiencing a negative cash flow, then you’ll need to address this red flag.

## Create Your Cash Flow Statement Today

Creating a cash flow statement is a valuable use of your time since it helps you measure your business’ long-term outlook, strength, and profitability. It will show you whether your business has enough cash to pay its expenses and other financial obligations and predict future cash flow. Analyzing these statements closely over a period of time will give you a more solid understanding of your business health, and whether you can afford to invest in its growth.

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