Know what is ready before a lender asks.

A strong funding discussion starts with accurate financial information, a defined use of funds and a credible cash-flow story. Use this preparation tool to see which parts of your information pack are ready. It is not a credit score or approval.

Preparation checklist

Eight building blocks for a clearer funding discussion.

Tick only what is genuinely current and available. Nothing you select is transmitted or saved by this page.

0 / 8Start with the documents you already have.

Current management profit & loss and balance sheet Recent business bank statements Aged receivables and payables Current ATO/tax-debt statement where relevant Schedule of existing loans, leases and security 12-month cash-flow forecast with assumptions Clear funding purpose and amount Repayment/refinance strategy explained

Preparation indicator only. This does not assess eligibility, creditworthiness or likely approval.

Why preparation matters

Good information makes the real business story easier to assess.

Current records help separate a temporary cash-flow timing problem from an underlying profitability or solvency problem. Forecasts should show assumptions and timing rather than only a headline annual result.

Reconcile

Make sure management accounts, bank balances and liabilities tell a consistent story.

Explain

Connect the requested funding amount to a specific business purpose.

Forecast

Show how the business expects to meet obligations after funding.