Worksheet
Capital float sheet
With the Capital float sheet, you can identify any shortfall in operating funds ahead of entering a franchise contract. Apply it to gauge how cash will actually move in and out once you begin running, beyond your initial spend.
Check real cash flow before you sign
The Capital float sheet is a tool for South Africans weighing franchise agreements and planning working capital. It is best used after you have a likely category, budget and some idea of day-to-day running costs. The worksheet helps you pin down the float you will need for stock, payroll, payments to vendors, and operating expenses before revenue catches up.
Use the float sheet when you have basic costings, a draft business plan or a disclosure document from a franchisor. It suits new franchisees, existing owners opening new locations and anyone comparing food, retail, logistics or service franchise models.
What the float sheet covers and how to fill it
The Capital float sheet lists all main cash outflows that can run ahead of income. Filling it in means gathering figures from your franchisor, vendors and your own workings. Check disclosure documents for working capital notes and ask franchisors about payment cycles or upfront deposits.
Enter cash needed for each item over the first 3 to 5 months and include the amounts required at start-up. Use current figures for your area, such as rent, municipal charges and wage costs. Factor in deposits for stock or equipment, minimum wages under the latest law, and typical payment delays from business clients.
- Opening float for tills or change
- Stock and vendor payment cycles
- Payroll, including overtime and public holidays
- Rent and municipal services
- Licences, insurance and regulatory costs
- Marketing or opening promotions
What to do if you spot a gap
If the float sheet shows a shortfall, revisit your working capital line in your Numbers & Notes or business plan. Speak to your accountant about bridging finance or seasonal cash flow solutions.
Use the findings to ask the franchisor direct questions: check if their growth and outlet numbers (as required by the CPA) match your estimates, and ask current franchisees about real cash flow risks. Always get independent advice before signing or committing funds.
Request your free worksheet
Request the most up-to-date printable Capital float sheet by reaching out. Tell us your target franchise type, region and expected launch date so we can tailor your worksheet.