Cash credit · Term loan

Cash credit & term loan projection builder

Bank-ready projections for a cash credit limit, with or without a term loan — for a running business or a brand-new one. Set the assumptions, type over any figure in any year, and the statements, EMI schedule and the bank's norms re-work as you go.

Projected P&L and balance sheet MPBF, drawing power, DSCR Term loan EMI schedule PDF and Excel download

Available now Bank projections — cash credit & term loan

One builder for a cash credit limit and a term loan, together or the limit alone — for running and new businesses.

We prepare it for you Balance sheet preparation

The bank will ask for last year's balance sheet alongside these projections. Leave your number and we will call you back.

Request a call back

Coming soon Project reports for bigger projects

Detailed project report tools with an executive summary, for larger and new-unit proposals.

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Fill these in

Report detailsPrinted on every page of the report

Firm name *

Name as it appears in the bank account and GST registration, e.g. M/s ABC Traders. Address

Town and district of the business. It is printed beside the name on every page.

Signed at

The place where the report will be signed. Dated

Date of signing, as DD.MM.YYYY. Today's date is filled in for you. First year ends *

Closing date of the first projected year, usually 31.03.YYYY. Later years follow on from it.

How many years

3 years is usual for a cash credit proposal. Choose 5 if the bank asks for a longer view.

The businessAlready running: you have last year's balance sheet · Brand new: trading starts in year 1

Sales last year *

₹

Turnover for the last completed year, from the last balance sheet or GST returns. Year 1 cannot be more than 30% above it. Existing CC limit

₹

The cash credit limit you enjoy today. Leave it at 0 if you have none.

Where you stand todayFrom last year's balance sheet

Capital *

₹

Capital account balance in last year's balance sheet — your own money in the business at the start of year 1. Stock in hand *

₹

Closing stock in last year's balance sheet. It becomes the opening stock of year 1. Debtors

₹

Sundry debtors in last year's balance sheet — money customers owed you at the year end.

Balance sheet not ready? We prepare it. Request a call back

The limit and the turnover it needsSales must be at least 5× the limit · taken as fully drawn

Limit you are asking for *

₹

The total cash credit limit you are applying for, including any limit you already have. Interest rate *

Yearly interest rate the bank quotes for the limit, e.g. 10.5. Sales in year 1 *

₹

Expected turnover in year 1. It must be at least 5 times the limit — the button below sets the minimum. Growing by

% a yr

How much sales rise each year from year 2 onwards. Keep it realistic; the bank does not accept more than 30%.

Trading and running costsGross margin fixes purchases · net profit is what is left after costs, depreciation and interest

Gross profit *

Gross profit as a percentage of sales, as in your books (sales less cost of goods sold). Purchases are worked out from it. Running costs, yr 1 *

₹

Salaries, rent, electricity, freight and other running costs for year 1 — leave out bank interest and depreciation, they are added separately. Rising by

% a yr

How much running costs rise each year from year 2 onwards. Drawings

% of profit

The share of net profit the proprietor takes out each year for tax and personal use.

Where you expect to end year 1Stock, credit periods and cash

Closing stock *

₹

Stock you expect to hold at the end of year 1. It must cover the drawings after the 25% margin. Advances & deposits

₹

Advances to suppliers, security deposits, prepaid expenses, GST and TDS receivable at the end of year 1. Debtors paid in *

days

Average days your customers take to pay. Debtors are worked out as sales × days ÷ 365. Suppliers paid in *

days

Average days you take to pay your suppliers. Creditors are worked out as purchases × days ÷ 365.

Cash at year 1 end

% of limit

Cash and bank balance at the end of year 1, as a percentage of the limit. Keep it within 20%. Cash rising by

% a yr

How much the cash balance rises each year from year 2 onwards.

Bank detailsBank giving the cash credit, and loans already running

Bank name *

The bank and branch where the cash credit is held or is being applied for. CC account no.

Account number of the existing cash credit account, if you already have one.

Term loans already running

Take these figures from the loan account statement and the sanction letter. Click a box to see what goes in it.

New term loan applied for

Is a term loan also required?

Choose Yes if a term loan is being applied for along with the cash credit — usually to buy machinery, a vehicle, fittings or to set up the unit.

Fixed assetsWDV method · leave empty if none

One block for each kind of asset — furniture, vehicles, machinery, computers. Click a box to see what goes in it.

Your projection

Checked against the usual branch norms. Open any statement to review or type over a figure.

Figures you type into the statements override the assumptions for that year and everything below them re-works itself. An indicative planning aid — the branch applies its own policy and will want the figures supported by your books.

Done for you

Want the full file prepared for the bank?

Share your books and we prepare last year's balance sheet and a bank-ready projection to go with it. Tell us when to call — no obligation.

Balance sheet and profit & loss from your books
Projections checked against the branch's norms
Bigger project reports with an executive summary, on request

Request a call back for balance sheet Ask about a project report We usually call back within one working day.

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Balance Sheet

Disclaimer: This projection builder is only a planning aid to help you prepare indicative projected financial statements for a cash credit limit or term loan. The figures depend entirely on the assumptions you enter and do not guarantee that any bank will sanction a limit or loan. The norms checked here are general ones; each bank applies its own lending policy, margins and ratios, and will want the figures supported by your books of account. Please verify the projections and consult a qualified professional before submitting them to a bank or relying on them for any decision.