How much startup financing do you need, and can you repay it?
Startup Costs | Blank working worksheet | September 6, 2026
https://startup-costs.com/guides/financing-plan/

Result to produce: A sources-and-uses brief, a net funding gap and a repayment scenario to discuss with a lender.

Business and format:
Address or service area:
Prepared by:
Date:

BEFORE YOU START
Bring the opening budget, weekly cash plan, committed owner contribution and the actual terms of any financing offer. The rate below is an authored illustration, not a current market or SBA program rate.

CALCULATION INPUTS
Gross loan principal (USD):
Fixed annual nominal interest rate (%):
Number of monthly payments (count):
Fees withheld from loan proceeds (USD):
Total funding required (USD):
Other committed funding (USD):
Monthly cash available before this loan payment (USD):

Use the guide calculator for formulas and results. Enter your own values and retain the evidence for each assumption.

DECISION RECORD
1. Uses of funds
Item, evidence, net cash amount and required date
Finding or value:
Evidence, scope and date:
Status (Unverified / Assumed / Supported / Needs review):
Next action, person and date:

2. Other funding
Source, commitment status and usable date
Finding or value:
Evidence, scope and date:
Status (Unverified / Assumed / Supported / Needs review):
Next action, person and date:

3. Financing terms
Gross principal, usable proceeds, rate, fees, term and payment dates
Finding or value:
Evidence, scope and date:
Status (Unverified / Assumed / Supported / Needs review):
Next action, person and date:

4. Conditions
Security, guarantees, covenants and unresolved approval items
Finding or value:
Evidence, scope and date:
Status (Unverified / Assumed / Supported / Needs review):
Next action, person and date:

5. Repayment case
Base and downside cash remaining after payments
Finding or value:
Evidence, scope and date:
Status (Unverified / Assumed / Supported / Needs review):
Next action, person and date:

6. Remaining gap
Amount, date and action to resolve it
Finding or value:
Evidence, scope and date:
Status (Unverified / Assumed / Supported / Needs review):
Next action, person and date:

DECISION RULES
If: Net proceeds leave an opening gap
Action: Revise the funding structure or the opening scope before committing the full budget.

If: Downside cash cannot meet the payment dates
Action: Rework the operating plan and financing terms together.

If: A key term is unknown
Action: Obtain the written term before treating the comparison as complete.

YOUR DECISION
Next commitment:
Conditions still to resolve:
Decision and reason:
Next review date:

Sources and background:
SBA: planning a business: https://www.sba.gov/counseling/plan-your-business/

This is a blank personal planning worksheet. Its completion is not an approval, a market estimate or a completed state research record.
The examples and calculator defaults on the guide are authored illustrations. Keep your own evidence and limitations with any result.
Financial information supports planning and education and is not personalized financial, investment, tax or legal advice. Results do not guarantee costs, revenue, profit or financing.