Show how the business earns and spends

Lenders assess whether operating cash flow can support repayment. Organise bank statements, invoices, GST filings and income-tax returns so revenue patterns are easy to understand.

Define the purpose of borrowing

Write a short use-of-funds plan. Equipment, inventory and working capital each have different payback timelines. The requested tenure should make sense for the asset or business need.

Keep these records ready

  • Business registration and KYC documents
  • Current-account statements
  • GST returns where applicable
  • Income-tax returns and financial statements
  • Existing loan schedules
  • Major customer or supplier details when relevant
  • Stress-test repayment

    Estimate repayments under a slower sales month, not just the current average. Keep a buffer for delayed receivables and seasonal expenses.

    This guide does not replace professional tax, legal or credit advice. Loan availability and terms depend on the lender's assessment.