Prepare for financing
Investment and financing budgets: what do you need and how will you pay?
List the resources needed before deciding how to pay for them. This avoids starting with a loan amount and inventing a spending plan around it. Keep purchases, annual expenses and actual payment dates visible as separate items.
Collect amounts you can verify
Use current quotations and delivery and payment agreements. Consider costs of bringing the asset into use and cash tied up in stock or the initial operating period. Show which amounts are firm and which are estimates. Do not round away an uncertain item to reach a desired loan total.
Handle VAT explicitly. Cash initially paid to a supplier can differ from the final cost after a possible refund. Record the assumptions and include payment timing in the cash schedule. Recoverability of VAT depends on your circumstances.
Example: both sides total €50,000
This fictional schedule describes a €50,000 funding need and its planned financing. The buffer is a separate item. In an actual application, support the amounts and check which payments and VAT amounts are included. Matching totals do not prove that interest and principal repayments are affordable.
| Required | Amount | Financing | Amount |
|---|---|---|---|
| Equipment | €30,000 | Own funds | €20,000 |
| Setup and software | €5,000 | Loan | €30,000 |
| Stock | €10,000 | — | — |
| Cash buffer | €5,000 | — | — |
| Total | €50,000 | Total | €50,000 |
Translate investment into profit and cash effects
Choose an expected useful life and residual value for the asset. The depreciation calculator can check a chosen straight-line schedule. Use it as a calculation aid and assess accounting and tax treatment separately. A purchase amount does not automatically belong entirely among the costs of one forecast month.
Next, calculate the chosen loan terms. Show monthly interest and principal and connect them to the cash schedule. An offer may contain additional charges or conditions not included in a simple calculator. Reflect changes in amount, term or owner contribution in the other budgets too.
Common questions
Is a loan income in my forecast?
A loan receipt finances the business and is not sales income. The receipt and principal repayment belong in cash movements. Interest can be an expense. Check how these entries are recorded in your accounts.
How large must my own contribution be?
There is no single percentage that answers this for every business. Options and terms depend on the lender, application and company. The table only illustrates arithmetic reconciliation, not a lending threshold.
Sources and product scope
The worked examples were prepared by Rekenbox for explanation. Product behaviour and source references were checked on the stated update date.
Background on required resources and VAT prefinancing. KVK · Investeringsbegroting ↗
The financing budget describes how own and external funds cover the funding need. KVK · Financieringsbegroting ↗
Continue your preparation
Support your figures
Financial plan for new businesses: four connected budgets
What belongs in a financial plan? Compare investment, financing, operating profit and cash flow. Includes an example and Rekenbox’s scope.
Read the guide
Prepare for financing
Applying for business finance: which figures should you prepare?
Prepare your financing application with the purpose, funding need, existing figures and assumptions. Includes a document checklist and practical example.
Read the guide
Support your figures
Create a cash-flow budget: when might cash run short?
Preparing a business or bank cash-flow forecast? Follow opening cash, receipts and payments in a monthly example. Understand the difference from profit.
Read the guide