Budget Presentation for Lenders or Partners
Present numbers clearly to outsiders.
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Prepare a budget summary for a lender or partner. Purpose (loan, investment, partnership): [PURPOSE]. Financial history and forecast figures: [FINANCIALS]. Key assumptions: [ASSUMPTIONS]. Use of funds: [USE_OF_FUNDS]. Create a one- to two-page summary: business snapshot; historic results table; forecast table for 12 months; assumptions with evidence; key ratios computed from my numbers (gross margin, net margin, current ratio if balance sheet data is given, debt service coverage = operating profit / loan payments); use of funds; repayment capacity; risks and how they are managed; and sensitivity (a 15 percent revenue drop). Show the arithmetic for each ratio. Include a list of 10 questions the reader will probably ask with prepared answers, and a checklist of documents to bring. Rules: forecasts are estimates; label them; never overstate certainty; ensure forecast and history use the same definitions. Have an accountant review before submission [VERIFY]. Add a one-paragraph 'what could go wrong' section that a lender would respect, covering the single biggest dependency, a downside case with revenue 15 percent lower, and what the business would do in that case.
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