Bank and Business Financing Preparation

Present a financing request that explains both the need and the ability to repay.

Prepare evidence, cash logic, repayment capacity, guarantees and negotiation conditions before approaching lenders.

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Editable XLSX file compatible with Excel, Numbers and Google Sheets.

On iPhone: tap “Download”, not “View”, then open the file in Apple Numbers to edit it without Microsoft 365. Safari Quick Look may not represent the workbook correctly.

When to use itBefore applying for a loan, credit facility, working-capital finance or refinancing.

What to prepareAccounts, recent management figures, existing debt, cash forecasts, use of funds and repayment schedule.

What you will obtainDetect gaps likely to weaken credibility or delay credit approval.

What problem it helps solve

Prepare evidence, cash logic, repayment capacity, guarantees and negotiation conditions before approaching lenders.

Questions to answer

What exactly will the funding finance?
How much is required and when?
Which cash flows repay principal and interest?
Are accounts current, consistent and explained?
What creates the funding gap?
Can the business withstand adverse scenarios?

How the result is interpreted

The 0–100 result is calculated from confirmed rows. Completeness is shown separately so that form completion is not confused with decision quality.

What it does not replace

The tool does not replace legal, financial, tax, technical or regulatory verification when specialist review is required.

Within the framework

Diagnose and decide

This tool forms part of the MGS Strategic Intelligence Framework™. The MGS Decision Framework™ is the decision sub-method used within the Diagnose, Prioritise and Decide phases.

Review methodology criteria, scoring and limitations.

Next step

When the tool identifies material exposure

Convert material gaps into a decision question, a verifiable scope and an expected outcome.

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