A lender deciding on equipment finance wants to know three things quickly: what the machine is, how it will earn its keep and whether the business can repay the loan from cash flow. This template answers those questions across seven pages, covering the asset, its usage, the supplier, the finance terms and the business financials. Tables and charts sit where a credit officer looks for them, so the case can be checked in one reading.

The sample is for Yarrowfield Advisory, buying a $240,000 machine with a 20 percent deposit, a five-year fixed loan at 8.5 percent and a monthly payment of $3,950. It shows how each figure ties back to the same source. Replace the amounts, term, supplier and accounts with your own, and test the cover ratio with sales down 15 percent before you submit the application.