Core documents
Business plan
Cash flow forecast
Cash flow forecast
What you’re doing, who it’s for, and how it works.
A clear explanation of what you’re offering, who it’s for, how customers will find you and how the business will operate day to day.
Cash flow forecast
Cash flow forecast
Cash flow forecast
Shows how money is expected to move in and out of the business, including, income, costs, loan funding, repayments and owner drawings.
Tip: This must align with your business plan not contradict it.
Sales assumptions
Cash flow forecast
Personal survival budget
Assessors are not looking for big numbers or ambitious forecasts.
They are looking for clear, explainable assumptions that link your plan, your forecast, and your evidence together.
Personal survival budget
Loan purpose and evidence
Personal survival budget
Your personal income and household costs. Start Up Loans assess personal affordability, not just the business.
A breakdown of personal income, household costs and existing commitments.
This helps assess whether repayments would be manageable.
Loan purpose and evidence
Loan purpose and evidence
Loan purpose and evidence
What the loan would be used for. A clear list of what you intend to spend the loan on and quotes or cost breakdowns for larger items (e.g. equipment, vehicles, setup costs).
Estimates are not always sufficient - evidence matters.
Personal bank statements
Loan purpose and evidence
Loan purpose and evidence
Usually the most recent 3 months showing income, outgoings and existing financial commitments.
Important: Statements should broadly reflect what’s shown in your personal budget.