Business Financing - Financial Need, Cash Budget for Loan Needs, Growth Capacity

Business Financing and Planning

Statement of Financial Need

Please enter the information highlighted in yellow.



	Funds Provided by Owners	Total Funds Required	Use of Loan Proceeds
A. Fixed Assets Acquisition / Repair:
Automotive:
Machinery & Equipment:
Furniture & Fixtures:
Land:
Building Const/Purchase:
Building Improvements:
Other (specify):




Total Fixed Assets:


B. Debt Payment
Accounts Payable:
Short-term Debt:
Notes Payable:

Total Debt Payment:


C. Working Capital
Operating Cash:
Inventory:
Prepaid Expenses:
Advertising:
Deposits:
Training:
Accounts Rec. Financing:
Organizational Costs:
Other (specify):




Total Working Capital:


Total Funds:


Source of funds provided by owners:

Signature:_________________________________________		Date:_____________




Cash Budget for Calculating Short & Long-term Loan Needs

Please enter the information highlighted in yellow.



Period: Year ending:

	Budget		Actual
Expected Cash Receipts:
1. Cash Sales
2. Collections on A/R
3. Other Income
4. Total Cash Receipts

Expected Cash Payments:
5. Raw Materials & Inventory
6. Payroll
7. Other manufacturing expenses
(including maintenance)
8. Advertising
9. Selling Expenses
10. Administrative expenses
11. New plant & equipment
12. Other payments (taxes, loan
repayments, interest, etc.)
13. Total Cash Payments

14. Expected Cash Balance:
at beginning of the month

15. Cash increase or decrease
(item 4 less item 13)

16. Expected cash at end of month
(item 14 plus item 15)

17. Desired working cash balance

18. Short-term loans needed
(item 17 less item 16, if 17
is larger than 16)

19. Cash available for dividends,
capital cash expenditures, or
short-term investments (item 16
less item 17, if 16 is larger)

Capital Cash:
20. Cash available (item 19 after
deducting dividends, etc.)	0		0

21. Desired capital cash (item 11,
new plant & equipment)

22. Long-term loans needed
(item 21 less item 20, if
21 is larger than 20)




Financial Growth Capacity

Please enter the information highlighted in yellow.



	2003
Capitalization:
Equity:
New Equity
Total Equity

Affordable New Debt

Debt:
Curr. Liabilities
Short term Debt
ST Int. Rate
Long Term Debt
LT Int. Rate

Total Debt

Debt Equity Ratio

Total Assets

Profitability:
Profit before
Interest & Taxes
Return on Assets

Interest Expense

Profit before Tax
Tax Rate
Tax Expense

Profit after Tax

Dividend payout %
Dividends paid

Retained Earnings
Paid-in Capital

Net Return on Equity

Sustainable Growth Rate

Automatic recalculation

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