Finance application checklist

When you borrow from us, it’s important that we tailor the lending to suit your business. To do this, we ask you to provide information that helps us understand your needs and assess your ability to repay.

Use the following checklist to help you prepare for our requests ahead of time. Keep in mind that the information we ask for will vary based on your circumstances, and we may ask for further information in addition to what’s listed below.

For all borrowing requests, we’ll ask you:

  • how much you would like to borrow
  • how long you would like to borrow it for
  • why you want to borrow it
  • how you plan to repay it.

If you request to borrow from us, we may ask you to provide:

  • a profile of your business, including the experience, expertise and track record of its owner and/or management team
  • the amount of money you and/or your management team have personally invested in the business
  • details of assets you have available for security, including the estimated value of your business (we require professional valuations in some instances)
  • information on any other borrowing commitments you have.

Depending on your request, we may also ask you to provide us with:

  • business plans, usually covering the term of the borrowing
  • cashflow forecast, usually covering the term of the borrowing
  • details of your business assets and liabilities, including any additional income from other sources
  • management accounts
  • historic financial accounts (for example, profit and loss, balance sheet and cashflow statements.
  • Banking

    View our range of bank accounts designed for businesses. Find the account that best suits your needs.

    Find out more
  • Cards

    Make payments and manage cashflow conveniently with credit, debit, charge and Cashpoint ® cards designed for businesses.

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Loan calculator

Calculate your monthly repayments with our easy-to-use tool.

Finance selector

A convenient way to help you decide which of our finance options could be right for your business.