Lenders approve loans they can see being repaid. This template puts the request, the purpose, the business story, the numbers, the repayment test and the security in the order a credit officer reads them, so the answer to "can they repay this?" is on page 1 and proved by page 5.

The sample follows Dovecote Group, a wholesale bakery asking for $450,000 over 7 years to add an oven and packaging line. It shows a use-of-funds breakdown, three years of figures, a cash flow with debt service cover and a downside test. Replace the amounts, accounts, cash flow and security with your own.