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
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.