Industry sector: Retail and wholesale

Outdoor equipment shop: Capital introduced

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:

  • savings
  • a lump sum that you expect to receive - for example a redundancy payment or repayment of pension contributions on leaving employment
  • the sale of a non-business asset

Your lender will probably ask you for some evidence that the money actually exists or is due to you - and that you don't already owe it all to someone else.

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.