Prepare your numbers before approaching banks, lenders, or investors.
What this service entails
This service is not capital raising, legal structuring, tax advice, or pitch deck design. It focuses on getting the financial information ready.
Key Activities Under This Service
Funding requirement analysis
- Calculate how much funding may be needed
- Link the requirement to cash flow, working capital, growth, or investment needs
- Identify timing and purpose of funding
- Avoid underestimating or over-requesting funding without support
Funding forecast preparation
- Prepare revenue, cost, profit, and cash projections for funding discussions
- Document key assumptions clearly
- Include scenarios where useful
- Show how funding supports the business plan
Cash flow and debt capacity review
- Assess whether the business can support debt repayments
- Model repayment timing, interest, and cash pressure
- Review short-term liquidity and cash runway
- Identify affordability risks before funding is accepted
Use-of-funds planning
- Break down how funds will be used
- Connect funding use to hiring, working capital, equipment, growth, or refinancing needs
- Create a clear schedule for external review
- Support a stronger funding narrative
Investor or lender financial pack
- Summarize historical performance, forecasts, KPIs, funding needs, and assumptions
- Prepare financial information for stakeholder review
- Identify gaps before due diligence
- Support management responses to finance-related questions
Benefits for the Client
- Approach funding conversations with clearer and more credible financial information.
- Understand how much funding is needed and why.
- Show lenders or investors how funds will be used.
- Assess whether debt repayments are affordable before taking on financing.
- Identify financial gaps before external stakeholders raise them.
- Make the funding process more organized and easier to explain.
Common Problems We Help Solve
- We need funding, but we do not know how much to ask for.CRUX calculates a funding requirement based on cash flow, working capital, and growth needs.
- The bank asked for forecasts.CRUX prepares funding-specific forecasts and assumptions.
- We need to explain how the funds will be used.CRUX creates a use-of-funds schedule linked to the business plan.
- We are not sure if debt repayments are affordable.CRUX reviews debt capacity, repayment timing, and cash flow impact.
- Our financial information is not ready for review.CRUX organizes the financial pack and identifies gaps before external conversations.
Who This Service Is For
- Businesses preparing to approach banks, lenders, or investors
- Companies seeking working capital, equipment finance, loans, or refinancing
- Owners unsure how much funding is required
- Businesses that need forecasts or cash flow projections for funding discussions
- Companies preparing for investor or lender due diligence
- Leadership teams that need to explain funding needs clearly
Deliverables
Funding Requirement Analysis
A clear calculation of how much funding is needed and why.
Funding Forecast
A forecast prepared for lender, investor, or funding discussions.
Cash Flow Projection
A cash flow view showing timing, pressure points, and runway.
Debt Capacity Review
An assessment of repayment affordability and financing impact.
Use-of-Funds Schedule
A breakdown of how funding will be used.
Investor or Lender Financial Pack
A professional pack summarizing financial performance, forecasts, assumptions, and funding needs.
Due Diligence Checklist
A list of financial information likely to be requested during review.
Prepare your numbers before approaching banks, lenders, or investors.
Book a consultation with CRUX