Advisory Services │ New Zealand
Cashflow Projections for Bank Loans & Financing
When you're applying for business finance, your lender may want more than a good explanation of what you plan to do with the money. They want to understand the numbers behind it.
At Finex, we prepare professional cashflow projections and supporting financial information to help New Zealand businesses clearly present their expected financial position when seeking bank loans and other business financing.
Give your lender the numbers they need, and give yourself greater clarity around the financial commitment you're considering.
The Bank Has Asked for Financial Projections. Now What?
Perhaps you've found an opportunity to grow the business. You're purchasing equipment. Funding a new project. Expanding your premises. Investing in additional capacity. Or you simply need additional working capital.
Then the lender starts asking for financial information.
Cashflow projections.
Financial statements.
Forecasts.
Assumptions.
And suddenly, getting the finance isn't simply about explaining why you need the money. You need to demonstrate what the financial picture could look like after you receive it. That's where Finex can help.
Turn Your Business Plans Into Numbers Your Lender Can Assess
We help translate your plans and available financial information into structured cashflow projections that show how money is expected to move through the business over the forecast period. That means looking at the expected:
- Cash coming into the business
- Operating expenses and other cash outflows
- Existing financial commitments
- Relevant assumptions about future activity
- Potential impact of the proposed plans
- Overall projected cash position
When You May Need This Service
Planning to Approach a Lender?
Grow Your Business
Invest in the next stage of an established business.
Purchase Equipment or Assets
Understand the financial picture around a significant business purchase.
Fund a Property or Construction Project
Prepare financial information around a proposed project or development.
Support Working Capital
Develop greater visibility around the business's expected cash requirements.
Finance an Expansion
Prepare for the financial implications of increasing your capacity, team or operations.
Pursue Another Business Opportunity
Get the financial information behind your plans organised before approaching the lender.
Why Work With Finex on Your Cashflow Projections?
Numbers Grounded in Your Business
Your projections should reflect your circumstances and the assumptions behind your plans, not generic figures plugged into a template.
Understand What You're Presenting
We don't want you walking into a financing conversation with a spreadsheet you can't explain.
Property Sector Expertise
Finex's property specialism gives us valuable context when working with property and construction businesses seeking finance.
Historical + Forward-Looking Insight
Where relevant, bring together existing financial information with a forward-looking view of what could happen next.
Professional Accounting Support
Have an experienced Chartered Certified Accountant helping prepare the financial information behind your application.
More Than an Application Exercise
Use the process to develop greater clarity around the financial commitment you're considering, not simply tick another lender requirement.
Next Step
Give Your Finance Application a Stronger Financial Foundation
You've got the plan. Now make sure you have the financial information behind it.