Start with the business and the purpose
Write down the legal borrower, trading name, ABN and what the business does. Describe the intended use of the funds in one or two sentences. “Working capital” is broad; “stock for confirmed orders due to ship in six weeks” provides useful detail. Keep personal spending separate in the description.
Put dates beside the amount
State the amount requested, the date it is needed and the reason for that deadline. Distinguish a supplier due date from a preferred date. For an asset purchase, have the supplier quote, asset description and expected delivery timing ready. An indicative estimate does not reserve funds or establish an approval date.
Explain the cash coming in and going out
Bring a current view of sales, expected customer receipts, wages, suppliers, tax commitments and existing repayments. Bank statements and accounting reports should cover consistent periods. Label estimates as estimates and explain seasonal or unusual trading periods. Include obligations that fall outside the normal weekly cycle.
A short brief to copy
Business and legal borrower: Purpose of funds: Amount requested: Required date and reason: Expected cash receipts: Existing repayments and commitments: Asset details, if relevant: Anything unusual in the recent figures:
Share only what is needed
Use the agreed private document route when provided. Keep identity documents, bank statements and account credentials out of social-media comments. LendFI’s online application collection is currently paused; the calculator remains available for an indicative estimate.