Name:

Company Name:

Guidance on using these templates for your Start Up Loan application

- First, please save your name and company name to this document, using the space above
- In this document, you will find four tabs, that need to be completed as part of your loan application
- Don't worry if you need some help. At the top of each tab you will find both a description of each of the templates, as well as some tips on how to complete
them
- We suggest you complete each template in number order so that you can carry forward any of your workings
- If you need some help completing these documents, you can submit them as a first draft, within the customer portal and one of our Business Support Partners
will be in touch to provide further assistance
- If you have already completed a Business Plan, Personal Survival Budget or Cash Flow Forecast, you do not have to transfer the information into our
templates
- Our templates have been designed to support our application process, so we would encourage you to provide the information we have requested across these
templates, to help us assess your application quicker, so please review the information you provide before submitting
- Finally, don't forget to save your document as you go through

TIPS ON COMPLETING THE TEMPLATES

* The templates are designed to be as easy to use as possible - for the BP tab, please follow the guidelines closely and relate these guidelines to your business. For the CFF, SA and PSB, simply enter
your figures into the white coloured cells on the templates and all of the light blue coloured cells will auto-calculate based on your responses.

* For an explanation of any terms included on these templates, hover over the cells that have a red triangle in the top right corner and you will see some further instructions and guidance related to that
item. If you're still unsure don't worry: your first draft won't necessarily be your final submission. Your Business Adviser will be able to work with you once you have submitted an initial draft;

* For the PSB and CFF, If you want to see what formula is being used to calculate any of the blue cells, or find out which cells are being used in the calculation, simply click on the cell and the formula will
display in the Formula Bar at the top of the page;

* If any of the numbers you enter result in a negative balance, then this negative balance will be displayed in red to draw this to your attention. Ideally, you want to avoid negative totals or balances, so
think about what you can feasibly change in order to achieve this. Alternatively please provide details of how this negative balance will be covered (i.e. Business overdraft etc.) within the commentary
box provided;

* The templates list a range of common options but they might not all be applicable for you. Add or remove items as relevant to you and your business;

* All values that you enter should be in GBP (£) and should include VAT;

* Use the commentary box at the bottom of the templates to explain any assumptions you've made or notes you'd like to discuss with your Business Adviser;

* For free and impartial advice on your personal budgeting, contact the government-backed Money Advice Service via their website or telephone.
Go to http://www.moneyadviceservice.org.uk or call: 0800 138 7777 (calls are free).
Business Plan
Name:
Company Name:

Your Business Plan (BP) should detail your blueprint for how your business will operate. Your Business Plan is designed to help us determine
whether or not your Business is viable and can sustainably produce sufficient profits to maintain your monthly Start Up Loan repayments.
- The content in the Business Plan below is the minimum requirement for completing the business viability part of your application;
- Please complete each field using the questions, prompts and examples as a guideline for the detail that we require;
- The closer you can follow the guidelines to complete the BP, the more likely you are to provide your assigned Business Support Partner with the information they need to make a decision;
- In some instances, more information may be required. If this is the case, your Business Adviser will inform you of what further information is needed;
- Please note, your BP can be a first draft, it doesn't have to be perfect. If you need more help, submit what you can and your Business Support Partner will be in touch;

1. Your business and objectives Guidance

Describe your business, outlining the different product(s) and/or service(s) you offer NB PLEASE
REFER TO THE GUIDANCE ON THE RIGHT:
Things to consider:
- What products do you sell or what services do you provide?
- What percentage of the company do you own?
- Is the business already trading?
- Trading Entity (Limited company, sole trader or partnership etc.)
- Operational structure of business including any planned changes - for example do you have staff? if
so, how many?
- Will/do you have Commercial Premises or is this a home based business?
- If commercial premises, please provide a head of terms, lease or storage agreement
- Business performance (financially) to date if you have started trading
- Key Milestones achieved (for example you have created a website)
- If you have purchase orders, please provide evidence and the value of these purchase orders.

Objectives:

Short term (current year):

Objectives should be SMART: Specific, Measurable, Attainable, Realistic and Time bound
Examples:
Develop a website that is transaction based so customers can place orders by 01/011/2021
Create a customer relationship management framework by 01/12/2021
Reduce direct costs by 20% negotiating a better deal with suppliers based on higher purchase
volumes by 01/12/2021
 Objectives should be SMART: Specific, Measurable, Attainable, Realistic and Time bound
Examples:
Develop a website that is transaction based so customers can place orders by 01/011/2021
Create a customer relationship management framework by 01/12/2021
Reduce direct costs by 20% negotiating a better deal with suppliers based on higher purchase
volumes by 01/12/2021

Medium term (next 1 – 2 years):

Objectives should be SMART: Specific, Measurable, Attainable, Realistic and Time bound
Examples:
Increase revenue by 5% each of the next 4 quarters
Use suggestive selling to increase the total value of each sale by 10 percent by the end of the current
fiscal year.
Send a service quality survey to every customer within 30 days of their first contact.

Your Start Up Loan:

Describe how you will use your Start Up Loan and how it will help you achieve these objectives.
Please make sure this agrees to the figures in your Cashflow Forecast AND PLEASE READ THE
GUIDANCE:

Cost Description Cost (£) Rationale Things to consider:

- Is all your expenditure needed at the outset? Please consider your total funding requirement over
the first 12 month trading period
- Please provide a full and detailed loan breakdown. This needs to be very specific. Like a
shopping list, please provide details of each item with a £ value alongside each item. The
more specific and detailed you are, the more likely you will be successful. Please provide a
brief description of why each item would be useful for the business. Please see some
examples below.
- Equipment purchase £3000 total. £2000 for a large pressure washer and £1000 for a small pressure
washer.
- Working capital - surplus of stock. For example, paying creditors
- The loan will be used as a Lease deposit
- Staff changes
- Change of premises
- The loan will be used to fulfil purchase orders

Total 0

2. Your skills and experience

Outline any previous experience, employment or other work that you have done that is relevant to
your business and detail your job history in the box below:
You may have:
Previously set up another business / a similar business.
Previously worked in the same sector for another business.
Had formal training / qualifications
Is there any training required that you do not have?
Personal traits that make you well suited to run the company (natural salesman, well organised,
language, creative, analytical etc.).
 You may have:
Previously set up another business / a similar business.
Previously worked in the same sector for another business.
Had formal training / qualifications
Is there any training required that you do not have?
Personal traits that make you well suited to run the company (natural salesman, well organised,
language, creative, analytical etc.).

Job Summary

Dates Employer Job Title Responsibilities

Outline any education or training you have had that is relevant to your business:

Depending on the business, you may be required to have certain qualifications/training and if so,
please make the details of when/how these were achieved clear.
For example "I have a Level 3 NVQ Diploma in Domestic Plumbing and heating which I achieved in
August 2010."
Or "I have a degree in Business Management with Open University"

3. Your target customers Guidance

Demographic details:

Briefly describe your target customers:

Look at your current customer base.

Analyse your product/service.
Choose specific demographics to target.
Consider the psychographics of your target.
Evaluate your decision.

What customer need or problem does your product(s) and/or service(s) address?
Explain your approach to pricing your product(s) and/or service(s):

4. Your market and competition Guidance

What research have you conducted to understand your market, including your industry, regions, customers,
competitors?

Delete any answers not applicable to you and provide some description as relevant.

· Surveys & questionnaires Describe why there is a demand for the products/ services the business will be providing in
· Focus groups the chosen locality.
· Interviews
· Desk or online research Things to consider may include, but not limited to:
· Market testing
- Clearly identify where you intend to trade and the potential market size/opportunity.
· Trade fairs or exhibitions
- Provide a list of your key competitors, highlight their strengths and weaknesses and
· Met with suppliers
identify the unique selling points of their own offering.
· Personal experience - Clearly describe the target audience, their motivations for 'buying' and any other key
· Social media research features that may assist you in reaching and converting these customers.
· Mystery shopping competitors
· Family and friends Show how you have undertaken market research to help you develop an understanding of
· Other the market, competitors and customers (e.g. surveys, opinion polls, focus groups, data
gathering, mystery shopping etc). It is not about the activities themselves but rather the
PLEASE DELETE FROM ABOVE WHAT DOES NOT APPLY TO YOUR BUSINESS AND FOR THE
insights you have drawn from this market research and it should be clear how you are
METHODS REMAINING EXPLAIN EXACTLY WHAT YOU DID AND WHAT YOU LEARNED
harnessing these within your plans.

Identify at least three sales/marketing tactics you are using or intend to use in order to
reach their customers. Clearly describe how these activities will be carried out and
measured.

Demonstrate that there is a market for your offering (e.g. expressions of interest, letters of
intent, contracts in place, waiting list/requests for orders, creation of a community
following, test trading or sampling etc.).

Competitor 1: Show you have an understanding of your main competitors, what are they doing well (their
strengths) and what can you do better (their weaknesses)
Name, location, website: Average prices:

Strengths: Weaknesses:

Competitor 2: Show you have an understanding of your main competitors, what are they doing well (their
strengths) and what can you do better (their weaknesses)

Name, location, website: Average prices:

Strengths: Weaknesses:

Your business:

What sets your business apart from your competitors?

Your strengths: Your weaknesses:

1. 1.
2. 2.
3. 3.

Current or future opportunities: Current or future threats:

1. 1.
2. 2.
3. 3.
1. 1.
2. 2.
3. 3.

5. Your sales and marketing plans Guidance

How do you/ will you promote your business?

Please explain in detail what you will be doing for each type of marketing you will use. Please read the · Website (information only)
guidance. · Website (for e-commerce)
· Advertising (online)
· Advertising (print, radio, TV)
· Search engine marketing
· Social media
· Retail outlets
· Telesales
· Referrals
· Leaflets
· Events and exhibitions
· PR
· Other

Determine the KPIs for this mission. Describes how you will track the performance of your
marketing activities. To do so, you'll need to determine your key performance indicators, or
"KPIs" for short.
Describe your content initiatives and strategies. Which types of content you'll create.
These can include blog posts, YouTube videos, infographics, ebooks, and more. Define
the goals (and KPIs) you'll use to track each type. Consider the channels on which you'll
distribute this content. Some popular channels at your disposal include Facebook, Twitter,
LinkedIn, YouTube, and Instagram. Define your marketing budget. Your content strategy
might leverage many free channels and platforms, but there are a number of hidden
expenses to a marketing plan that need to be accounted for (for example, contractor fees).

6. Your operational plans Guidance

Please provide details of two key suppliers or key relationships that are or will be important to running your
business: Detail as relevant in the boxes provided below.

Supplier / Relationship 1:
Relationship status:
Organisation:
Delete any answers not applicable to you.
· No contract/commitment Things to consider may include but not limited to:
· Contact under negotiation
- If you need to operate out of a premises, this should be either identified, under negotiation or
· Project-based arrangement
should already be in place. Ideally, the terms of the lease on the premises should match the terms
· Contract or retainer in place of the loan (i.e. 5 year loan term = 5 year lease on premises). If not, please explain why this is not a
· Other concern and will not impact the viability of the business.
- If you need staff to run your business and achieve your business objectives, recruitment plans
should be in place or appropriate individuals already in place. Describe any details related to their
employment (e.g. salary, terms, roles and responsibilities etc.)
- If you need equipment or other stock/resources/suppliers to run your business, then it should be
clear what is needed, where they are/will be sourced from and any associated terms. Evidence
should be provided where necessary. i.e quotes, supplier terms/ agreements
 - If you need to operate out of a premises, this should be either identified, under negotiation or
should already be in place. Ideally, the terms of the lease on the premises should match the terms
of the loan (i.e. 5 year loan term = 5 year lease on premises). If not, please explain why this is not a
concern and will not impact the viability of the business.
- If you need staff to run your business and achieve your business objectives, recruitment plans
Service provided: Key terms of the relationship: should be in place or appropriate individuals already in place. Describe any details related to their
employment (e.g. salary, terms, roles and responsibilities etc.)
- If you need equipment or other stock/resources/suppliers to run your business, then it should be
clear what is needed, where they are/will be sourced from and any associated terms. Evidence
should be provided where necessary. i.e quotes, supplier terms/ agreements
- Demonstrate that you are aware of what tax, legal and insurance regulations affect your business,
and where relevant, should that you have made (or be making) the appropriate arrangements to
comply with these areas. Again, evidence should be provided as and where required (for example,
application for a personal license for opening a bar)
Supplier / Relationship 2: Any operational resources that require financial investment should be clearly and consistently
Relationship status: reflected in the Cash Flow Forecast. Supplementary evidence should be provided as and where
Organisation: applicable.
Delete any answers not applicable to you.
· No contract/commitment
· Contact under negotiation
· Project-based arrangement
· Contract or retainer in place
· Other

Service provided: Key terms of the relationship:

Other operational considerations:

Staffing
Proposed Staffing Matrix (including current staffing)
Start Date Owner / Director Role Hours Salary
Y/N
Y/N
Y/N
Y/N
Y/N
Y/N
Y/N
Y/N
Where does or will your business operate from?

Delete any answers not applicable to you and provide some description as relevant.
· Home business
· Office - Detail the lease / rent terms
· Retail unit - Detail the lease / rent terms
· Manufacturing unit - Detail the lease / rent terms
· Mobile business (vehicle)
· Work-hub - Detail the lease / rent terms
· Other

What laws or regulations have you considered for your business and/or industry?
Please list and explain
Please list and explain

What insurance do you currently have in place or do you intend to put in place for your business?

7. Back-up plan

How will you manage your loan repayments if your business doesn’t go according to plan?

Your back-up plan should highlight:

· What your loan repayments are
· How you would manage these repayments in the case of an unexpected event
· Why you feel this is a realistic plan

Please read the guidance Describe how you would be able to meet your loan repayments, personal expenditure (PSB) as well
as any long term liabilities in relation to the business, in the event the business were to fail.

Things to consider:
- Long term liabilities such as lease agreements (break clause?), asset finance, other credit
agreements, etc.
- Your Personal Survival Budget demonstrates sufficient disposable income capable of absorbing the
monthly loan repayments.
- You have other skills or experience that would reasonably allow you to return to employment. It may
be useful to note potential job type and salary expectations
- If bank statements were provided, it may be clear that you previously earned sufficient income to
cover your personal expenses.
- There may be business assets sufficient in value to repay the loan.
- If returning to employment consider how realistic this is, if long term unemployed.
- If in receipt of any benefits related to ill health consider the potential impact on the backup plan. If
yes, please verify nature of disability and related to client?

It may be possible to rely on one of the above, or a combination. Reliance on a third party to repay
the loan is not acceptable.
Personal Survival Budget
Name:
Company Name:

Your Personal Survival Budget (PSB) should detail your average monthly income minus all the costs and expenses you personally incur in a
typical month. This is a personal budget – not a business budget – that is designed to help us determine whether or not you will be able to meet
your monthly Start Up Loan repayments.
- Your PSB should show PERSONAL income and expenses only, not business related items;
- Your PSB should include all credit repayments (loans, credit cards etc) as part of your expenditure;
- Before completing this template, you should reference your last three-months of personal bank statements to see how much you normally earn and spend, please ensure
your income & expenses align where possible (accounting for monthly averages);
- Your PSB should reflect your expected expenses for the first month after you secure your Start Up Loan;
- If you share costs with a partner, e.g. rent / mortgage only show the portion you pay i.e 50% of the actual cost if shared equally
- We have linked the PSB and 12-month CFF tabs so that the monthly balance of your PSB automatically appears in your CFF.
- This is designed to help you see how much money you need to draw from your business as salary in the future in order to cover your personal expenses;
- If your personal expenses are more than your personal income, your monthly balance will be negative. In this instance, your business will need to generate enough money to cover the
shortfall.
- There is a commentary box at the bottom of this PSB, which you can use to provide any further context to the information you have provided;
- Do not include your SUL repayments as credit commitment, as this is to be recorded on your CFF;
- Only include income that will be ongoing. For example, if you currently earn a salary but you are planning to leave your job straight away to focus on the business, do not
include this income. If you are planning to keep your job ongoing, please do include your salary.

Key:
These cells auto-calculate - you don't
need to edit these.
Insert your own text/numbers into these
cells as relevant.

Personal income Description (as required) Monthly net income (£) Annual net income (£)
Employment (net income) £0 £0
Benefits payments (Will these continue at the same level) £0 £0
Enter other (Please explain) £0 £0
Enter other £0 £0
Enter other £0 £0
Enter other £0 £0
Enter other £0 £0
Enter other £0 £0
Total income across all sources: £0 £0

Personal expenses Description (as required) Monthly net expenses (£) Annual net expenses (£)
Rent or mortgage payments £0 £0
Council tax £0 £0
Utilities £0 £0
Phone and internet £0 £0
TV Licence £0 £0
Personal and property insurance £0 £0
Grocery shopping £0 £0
Transport costs £0 £0
Car tax and insurance £0 £0
Subscriptions £0 £0
Clothing £0 £0
Leisure and entertainment £0 £0
Money put into savings £0 £0
Credit commitments (loans, credit cards etc) Please breakdown the total payment in this box £0 £0
Enter other £0 £0
Enter other £0 £0
Enter other £0 £0
Enter other £0 £0
Enter other £0 £0
Enter other £0 £0
Enter other £0 £0
Total expenses across all areas: £0 £0

YOUR MONTHLY BALANCE YOUR ANNUAL BALANCE

£0 £0

Your notes or commentary

Use this space to explain any of the information you have provided in the fields above.
Sales assumptions
Name:
Company Name:

The Sales Assumptions template will help you work out your anticipated sales and cost of sales for your business for the next
12-months. This will help your Business Adviser better understand any assumptions you have made in your forecasting.
- You will be asked to choose a start month for your Sales Assumptions; this should be the next month after you expect to receive the loan;
- The template will ask you to list the various product(s) and/or service(s) that your business offers and there is space for up to four items to be listed. If your business has more than this, consider Key:
grouping them together;
- Work through this template in the order it sets out, as each section corresponds to the one that follows;
- First you will be asked to write down the sale price of each item, and how much it costs you to produce for each individual unit;
- Then you will asked to estimate the number of sales you will make for each item over the 12-months following from your preferred start date. Once you have entered this information, this will be
used to calculate your total anticipated sales and cost of sales for the remainder of the year;
- The Sales Assumptions is linked to the CFF tab so that your total anticipated sales and cost of sales are automatically populated. If you need to make any changes, make them in the Sales
Assumptions tab and the updates will appear in your CFF;
- There is a commentary box at the bottom, for which you can use to explain any of your calculations, which you think will be of use to your Business Adviser

Select your starting month:

1. Product breakdown
Product / Service 1 Product / Service 2 Product / Service 3 Product / Service 4
Product / Service name
Sale price (per unit)
Cost price (per unit)
Gross Margin (per unit)

2. Number of sales per month

*Average sales volumes per day based on 30-days per month.

Total sales volumes Average sales volumes

Month Product / Service 1 Product / Service 2 Product / Service 3 Product / Service 4
per month per day*
1 0 0
2 0 0
3 0 0
4 0 0
5 0 0
6 0 0
7 0 0
8 0 0
9 0 0
10 0 0
11 0 0
12 0 0

Sales (£)
You do not need to edit this section; this will auto-calculate based on your responses above. *Average sales value per day is based on 30 days per month.
Total sales value (£) Average sales value
Month Product / Service 1 Product / Service 2 Product / Service 3 Product / Service 4
per month per day*
1 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00
2 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00
3 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00
4 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00
5 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00
6 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00
7 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00
8 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00
9 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00
10 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00
11 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00
12 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00

Cost of sales
You do not need to edit this section; this will auto-calculate based on your responses above. *Average cost of sales per day is based on 30 days per month.
Total cost of sales (£) Average cost of sales
Month Product / Service 1 Product / Service 2 Product / Service 3 Product / Service 4
per month per day*
1 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00
2 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00
3 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00
4 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00
5 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00
6 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00
7 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00
8 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00
9 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00
10 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00
11 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00
12 £0.00 £0.00 £0.00 £0.00 £0.00 £0.00
These cells auto-calculate - you don't need to
edit these.
Insert your own text/numbers into these cells
as relevant.

Worked Example
T-Shirts
£25.00
£12.00
108%

Worked Example
30
28
30
45
44
46
50
48
51
55
55
60

Worked Example
£750.00
£700.00

£1,125.00
£1,100.00
£1,150.00
£1,250.00
£1,200.00
£1,275.00
£1,375.00
£1,375.00
£1,500.00

Worked Example
£360.00
£336.00
£360.00
£540.00
£528.00
£552.00
£600.00
£576.00
£612.00
£660.00
£660.00
£720.00
12-Month Cash Flow Forecast

Name:

Company Name:

Your Cash Flow Forecast (CFF) is an estimate of the money you expect to bring in to and pay out of your business over the next 12-months. Importantly, it should reflect all of the activity you have described in your
Business Plan.
- Your CFF should show BUSINESS revenue and expenses only, not personal items;
- Your CFF is FORWARD looking, reflecting future anticipated transactions into and out of your business;
- You can input your loan amount and the term length (12-60months), which will autocalculate onto the CFF below;
- You will be asked to choose a start month for your CFF; this should be the next month after you expect to receive the loan and should match up with the month you selected in your Sales Assumptions;
- Remember, some of the information that you have created in your Sales Assumptions will auto-populate in your CFF tab. These cells are blue and you do not need to edit them;
- Any assumptions you make regarding your cash in-flows and cash out-flows should be both realistic and supportable. If you're starting a new business, we suggest being conservative with the cash flows you enter for the early
months of trading;
- It's important that your CFF corresponds with all of the objectives and activities you have outlined in your Business Plan. For example, if you have detailed plans for a three-month marketing campaign in your Business Plan then the Key:
costs for running this campaign should be clearly visible in your CFF; These cells auto-calculate - you don't
- Your CFF is based on a future estimate and while these figures will no doubt change over that trading period, it is a good amount of time for you - and us - to see how sustainable your plans are; need to edit these.
- There is a commentary box at the bottom, for which you can use to explain any of costings, which you think will be of use to your Business Adviser Insert your own text/numbers into
these cells as relevant.

Loan amount
Interest rate 6%
Loan term (months)
Monthly repayment

Select your starting month:

MONTHS

Cash in-flows Description (as required) Starting point 1 2 3 4 5 6 7 8 9 10 11 12 TOTAL

Total anticipated sales £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0

Value of your Start Up Loan £0 n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a £0
Other sources of cash or equity £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0
Existing assets for business purposes £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0
Enter other £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0
Enter other £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0
Enter other £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0
Enter other £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0
Enter other £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0
Enter other £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0
Enter other £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0
Total cash in-flows (A) £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0

MONTHS
Cash out-flows Description (as required) Starting point 1 2 3 4 5 6 7 8 9 10 11 12 TOTAL
Total anticipated cost of sales Explain what is in this line in notes box below cashflow £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0
Existing assets for business purposes £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0
Rent or premises costs £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0
Business rates for your business premises £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0
Utilities (gas, electricity, water) £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0
Insurance £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0
Telephone and internet £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0
Marketing and advertising expenses £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0
Vehicle running costs £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0
Equipment purchase or leasing finance Explain ongoing costs in notes box below cashflow £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0
Postage, printing, stationery £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0
Transport and delivery £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0
Professional fees (legal, accounting etc.) £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0
Your salary (if PSB is in deficit)* n/a £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0
Other owners salary n/a £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0
Your salary (over and above your PSB needs)* n/a £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0
Should relate to staffing matrix in business plan but not
Staff costs £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0
include owners costs
Start Up Loan monthly repayment - First Loan n/a £0
Enter other n/a £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0
Enter other £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0
Enter other £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0
Enter other £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0
Enter other £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0
Enter other £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0
Total cash out-flows (B) £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0

Your net cash flow (A-B) £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0

Your monthly opening business bank account

£0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0
balance

Your closing cash position £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0

Stress test at 20% reduction in revenue

Your notes or commentary
Use this space to explain any of the information you have provided in the fields above.
ACTUAL CASH FLOWS: SIX-MONTHS

Enter your full name Key:

These cells auto-calculate and are
Enter your company name locked so you can't edit them.
Insert your own text/numbers into these
Enter date cells as relevant.

Select your starting month:

MONTHS

Cash in-flows Description (as required) Starting point 1 2 3 4 5 6

Total sales revenue £0 £0 £0 £0 £0 £0 £0

Sources of investment £0 £0 £0 £0 £0 £0 £0
Debt-based finance £0 £0 £0 £0 £0 £0 £0
Enter other £0 £0 £0 £0 £0 £0 £0
Enter other £0 £0 £0 £0 £0 £0 £0
Enter other £0 £0 £0 £0 £0 £0 £0
Total cash in-flows (A) £0 £0 £0 £0 £0 £0 £0

MONTHS
Cash out-flows Description (as required) Starting point 1 2 3 4 5 6
Cost of sales £0 £0 £0 £0 £0 £0 £0
Rent or premises costs £0 £0 £0 £0 £0 £0 £0
Business rates for your business premises £0 £0 £0 £0 £0 £0 £0
Utilities (gas, electricity, water) £0 £0 £0 £0 £0 £0 £0
Insurance £0 £0 £0 £0 £0 £0 £0
Telephone and internet £0 £0 £0 £0 £0 £0 £0
Marketing and advertising expenses £0 £0 £0 £0 £0 £0 £0
Vehicle running costs £0 £0 £0 £0 £0 £0 £0
Equipment purchase or leasing £0 £0 £0 £0 £0 £0 £0
Postage, printing, stationery £0 £0 £0 £0 £0 £0 £0
Transport and delivery £0 £0 £0 £0 £0 £0 £0
Professional fees (legal, accounting etc.) £0 £0 £0 £0 £0 £0 £0
Your salary n/a £0 £0 £0 £0 £0 £0
Staff costs £0 £0 £0 £0 £0 £0 £0
Start Up Loan monthly repayment* n/a £0 £0 £0 £0 £0 £0
Enter other £0 £0 £0 £0 £0 £0 £0
Enter other £0 £0 £0 £0 £0 £0 £0
Enter other £0 £0 £0 £0 £0 £0 £0
Enter other £0 £0 £0 £0 £0 £0 £0
Enter other £0 £0 £0 £0 £0 £0 £0
Total cash out-flows (B) £0 £0 £0 £0 £0 £0 £0

Your net cash flow (A-B) £0 £0 £0 £0 £0 £0 £0

Your monthly opening business bank account

£0 £0 £0 £0 £0 £0 £0
balance

Your closing cash position £0 £0 £0 £0 £0 £0 £0

YOUR NOTES OR COMMENTARY

Use this space to explain any of the information you have provided in the fields above.
 These cells auto-calculate and are
locked so you can't edit them.
Insert your own text/numbers into these
cells as relevant.

TOTAL

£0
£0
£0
£0
£0
£0
£0

TOTAL
£0
£0
£0
£0
£0
£0
£0
£0
£0
£0
£0
£0
£0
£0
£0
£0
£0
£0
£0
£0
£0

£0

£0

£0

s above.
 Name:
Company Name:
Application Number: #NAME?