Cash flow

The cash flow projection must show that the enterprise will be able to sustain itself financially. To do this, the potential borrower must show:

• Estimated revenue or sales
• Costs (fixed and variable costs)
  • Operating costs
  • Salaries (including PAYE and salaries for owners)
  • Input costs (from suppliers)
  • Insurance
• Profit
• Expected taxation
• Loan repayment

The cash flow projection must be for at least 36 months.

The Bank will also need:

• financial statements of an existing business,
• the balance sheet of the owner(s) and / or the business, and
• the names of other sources of finance and amounts.

Find the full scope of financial information in the DBN SME Business Plan Guide, here…