Normally any lender such as a bank that you approach for funding for your new business will want to see that you have invested some money in the project yourself.
This might include:
- a lump sum that you expect to receive - for example, repayment of pension contributions on leaving employment
- the sale of a non-business asset
Perhaps you have sold your house and are investing the proceeds in a pub which includes accommodation for the landlord (many do).
Enter in the cash flow the amount of money you will put into the business, in the months when you'll need it or expect to receive it.