Documents for a Cashflow Lending Application现金流融资申请所需文件

Documents for a Cashflow Lending Application现金流融资申请所需文件

Preparing a complete application package can reduce delays and improve the likelihood of approval. While each lender's requirements vary, the core documents expected for a cashflow lending application in New Zealand are broadly consistent.

Financial statements:

- At least two years of annual financial statements (profit and loss, balance sheet, notes). If your business is less than two years old, expect to provide all available statements plus a detailed forecast.

|- Interim management accounts dated within 90 days of the application.

|- A projected cashflow statement covering at least 12 months, with clear assumptions about revenue growth, cost increases, and capital expenditure.

Bank statements:

- 6-12 months of business bank statements for the primary operating account.

|- Lenders will review the consistency of deposits, the pattern of withdrawals, and any overdraft usage.

|- If you use multiple accounts (e.g., separate GST, savings, or payroll accounts), statements for all of them may be required.

Revenue documentation:

- A schedule of your top 5-10 customers and the percentage of revenue each represents. Lenders want to see diversification: a single customer accounting for 40%+ of revenue is a concentration risk.

|- Copies of key contracts or recurring invoices, especially if the lending is tied to an invoice-financing facility.

|- For subscription or retainer models, a churn report showing customer retention over the past 12 months.

Business and personal information:

- Company registration documents (NZBN, Certificate of Incorporation).

|- Personal financial statements for directors or guarantors who own 20% or more of the business.

|- A brief business plan or one-page summary explaining the purpose of the loan, the repayment strategy, and how the funding will improve the business's position.

Additional documents if applicable:

- GST returns for the last 6-8 periods (lenders often cross-check these against bank deposits).

|- IRD tax certificates to confirm the business is up to date with tax obligations.

|- If the facility involves an existing debt refinance, a current loan statement and payout figure.

A Plus Finance can help you compile and review your documentation before submission. Having a complete, well-organised package can make the assessment process significantly smoother.

准备完整的申请材料可以减少延误并提高获批可能性。虽然各贷款机构要求有所不同，但新西兰现金流融资申请的核心文件大致相同。

财务报表：

- 至少两年的年度财务报表（损益表、资产负债表、附注）。如果企业成立不足两年，需提供所有可用报表及详细预测。

|- 申请日期90天内的中期管理账目。

|- 至少覆盖12个月的预计现金流量表，需明确收入增长、成本增加和资本支出的假设条件。

银行流水：

- 主要经营账户6-12个月的企业银行流水。

|- 贷款机构会审查存款的稳定性、取款模式以及透支使用情况。

|- 如果使用多个账户（如单独的GST、储蓄或工资账户），可能需要提供全部账户的流水。

收入证明文件：

- 前5-10大客户清单及各客户收入占比。贷款机构希望看到收入多元化: 单一客户占比超过40%属于集中风险。

|- 关键合同或经常性发票的副本，特别是当贷款与发票融资挂钩时。

|- 对于订阅制或预付款制模式，提供显示过去12个月客户留存率的流失报告。

企业及个人信息：

- 公司注册文件（新西兰商业编号、公司注册证书）。

|- 持股20%及以上的董事或担保人的个人财务报表。

|- 简要商业计划或一页摘要，说明贷款用途、还款策略以及资金将如何改善企业状况。

其他适用文件：

- 最近6-8期的GST申报表（贷款机构常将其与银行入账进行交叉核对）。

|- IRD税务证明，确认企业税务义务已及时履行。

|- 如果融资涉及现有债务再融资，需提供当前贷款对账单和清偿金额。

A Plus Finance 可以帮助您在提交前整理和审核文件。完整、组织良好的申请材料能让评估过程更加顺畅。

Points to keep in mind需要留意的事项

• Read the details alongside your own figures, timing, and documents.请结合自己的数字、时间安排和材料阅读这些内容。
• Use this article to prepare questions. Current lender criteria and personal circumstances still need to be checked.把文章当作准备问题的起点，具体贷款机构政策和个人情况仍需进一步确认。

Questions people often ask常见问题