Free business finance templates
The three financial statements a lender asks for, as free templates you can download or copy: a 12-month cash flow forecast, a profit and loss account, and a balance sheet. Each comes with a worked example and a plain-English guide to what the numbers mean and how an underwriter reads them. No email required.
Cash flow forecast template (12-month)
Project the cash moving in and out month by month, and see the month you run short before it happens. The forecast a lender asks for.
13-week cash flow forecast template
The same forecast run weekly instead of monthly, for a genuinely tight cash position where a monthly view could hide the exact week a shortfall hits.
Unsecured loan affordability stress test
An Excel workbook that works out the repayment and tests your DSCR against a revenue fall, an overhead rise, a rate rise and all three together, with a web version.
MCA true-cost working model
An Excel model that turns a merchant cash advance offer and your card takings into the real term, the pound cost and an APR-equivalent, with takings 25% lower and higher side by side.
Asset finance balloon working model
An Excel model for hire purchase with a balloon: the monthly saving, the extra interest, the APR-equivalent, and the months where the finance owed is more than the asset is worth.
Loan application prep checklist
What to gather before applying: bank statements, filed accounts, director ID and the other documents a lender actually asks for.
Profit and loss template
Turnover down to net profit, with a this-year and last-year column. Shows gross margin, operating profit and the trend an underwriter reads first.
Balance sheet template
A snapshot of what the business owns and owes, with net current assets, net assets and gearing, the figures a lender checks.
Business budget template (12-month)
Plan income and costs month by month, then measure actuals against it. The budget-versus-actual discipline that keeps a business on track.
One-page business plan template
The whole business on one page: what you do, the numbers, and the ask and use of funds a lender reads first.
Director's loan agreement template
Record a loan between a company and a director, plus the s455 tax, the £10,000 benefit-in-kind threshold and board approval, sourced to gov.uk.
Loan decline appeal pack
A letter template asking a lender for the specific decline reason and a reconsideration, plus a 10-point checklist to work through before you send it or reapply anywhere.
Decline evidence pack
For after a decline: a letter asking the lender to put the decision and the search on record, a one-page management accounts summary and an aged creditor list, with worked examples.
Personal guarantee checklist
The 10 questions to ask before signing a personal guarantee on a business loan: caps, all-monies wording, joint and several liability, call triggers and more.
Once your figures are in, put them to work: the DSCR calculator checks whether operating profit can carry a loan, and the working capital cycle calculator shows how much cash your trading ties up. When you're ready, you can send an enquiry, which we pass to a business finance broker. FundBiz does not run a credit check.
By Adam Parker. FundBiz is owned and operated by Best Business Loans Ltd, directed by Oliver Mackman. Last updated: .