Start with the purpose
State how much is needed, what the money will pay for and when it is required. A precise explanation is more useful than a broad request for extra cash flow.
Explain the business
Include the trading name, industry, time in business, ownership and a concise explanation of how the business earns revenue. Flag any recent change that affects the usual figures.
Describe the proposed security
Provide the property address, ownership, estimated value, current mortgage balances and lender details. HomeSec can begin with owner estimates; no formal valuation or cashflow records are needed.
Show the exit
Explain how the facility is expected to be repaid or refinanced. Use realistic dates and include a contingency if a sale, settlement, receivable or refinance might take longer than expected.
Raise complications early
Tax debt, arrears, credit events, consent questions or urgent deadlines are easier to assess when they are explained at the beginning. A complication does not guarantee a decline or an approval; it changes the information needed.