Define the purpose
State the amount, what it will be used for and what commercial problem the capital is expected to solve.
Preparation timeline
Prepare the funding file before timing becomes urgent.
This is a preparation sequence, not a promised approval timetable. The aim is to have the core information ready before a future funding request needs to be assessed.
Reconcile current numbers
Bring management accounts, bank balances, debt schedules, receivables, payables and tax liabilities into a consistent position.
Build the forward view
Prepare a cash-flow forecast with explicit assumptions, timing and downside considerations.
Gather evidence
Prepare contracts, project information, ATO records or R&D evidence relevant to the stated funding purpose.
Explain repayment
Show how the business expects to service, repay or refinance the facility without relying on an unsupported assumption.
Keep the file current
Update material information before a future application so the assessment is based on the latest business position.
Pre-launch
No approval clock is running today.
SME Capital Partners is not currently accepting or approving credit applications through this website. This timeline is intended to help businesses and advisers prepare for future product launch.
A
Start with readiness
Use the funding-readiness tool to identify gaps.
B
Use the checklists
Product-specific document lists are available in the resource library.
C
Register for updates
Join the launch list without creating a credit enquiry.