The prompt
Score 10 of 10, Excellent
Use it when A lender wants a written description of your business, how you will use the money and how you will repay it, and you need it built from your own facts.
- {{business}}
- {{lender}}
- {{business_facts}}
- {{financials}}
- {{loan_terms}}
- {{uses}}
- {{expected_effect}}
- {{existing_debt}}
Full prompt and why it works
Prompt
Write the business description, use of funds and repayment sections of a loan application for {{business}}, for the credit reviewer at {{lender}} to read. A reviewer looks for a specific reason for the loan, a clear list of what the money buys, and believable evidence that repayments are covered, so each section should answer those questions with my figures. About the business (what we do, how long we have traded, customers, staff, owners and their experience): """ {{business_facts}} """ Recent results (revenue, profit and cash for the periods I have, and what the owners take out as pay or drawings): """ {{financials}} """ Loan requested (amount, term, and expected repayment if known): {{loan_terms}} What the money will buy, item by item, with costs or quotes: {{uses}} How the investment will increase revenue or cut costs, and what that expectation is based on: {{expected_effect}} Existing debts and their repayments: {{existing_debt}} Write: 1. Business description: 150 to 200 words. 2. Use of funds: a table with the columns Item, Cost, Source of the figure (quote, invoice, estimate), and a total that matches the amount requested. If it does not match, say so. 3. Repayment: 120 to 200 words on how repayments will be covered, with one calculation, for example "Average monthly profit of 9,500 after owners' drawings and before loan repayments covers existing repayments of 2,100 and the new repayment of 1,800, leaving 5,600." Say which profit figure you used and whether owners' pay is already taken out of it. 4. Risks and how we would handle them: 2 or 3 short points drawn from my facts. Where I have not said how we would handle a risk, write [ADD: how we would handle this]. 5. Documents the lender is likely to ask for, written as questions to confirm with the lender. Rules: - Use only my facts and figures. Do not invent customers, contracts, growth rates or experience; where my basis for expected growth is thin, describe it plainly as an estimate. - Write in the first person (we or I, matching how I describe the business), in plain business language, without hype words such as "unique" or "revolutionary". - Do not make claims about loan eligibility or program rules; the lender decides those. If a figure the reviewer will certainly want is missing, such as current debt repayments, put [ADD: ...] in the text where it belongs instead of leaving the gap unmentioned. If my own figures do not show the new repayment covered, say so in a short note to me above the sections, with the monthly gap, and write the repayment section factually without overstating the cover.
Variables
- {{business}}
- Your business name.
- {{lender}}
- The bank, credit union or lender, and the loan program if there is one.
- {{business_facts}}
- What you do, when you started, your customers, team, and the owners' background.
- {{financials}}
- Revenue, profit and cash for recent years or months, from your accounts, and what the owners take out as pay or drawings.
- {{loan_terms}}
- Amount requested, the term, and the repayment if the lender has quoted one.
- {{uses}}
- Each thing the loan pays for, with its cost and whether that is a quote, an invoice or your estimate.
- {{expected_effect}}
- What the purchase will do for revenue or costs, and why you expect it, for example "second oven doubles wholesale capacity; two cafes have asked for supply".
- {{existing_debt}}
- Current loans, credit lines or leases and their monthly repayments, or "none".
Why it works
- Who it's for. It writes for a credit reviewer, who checks three things (a specific reason, a costed list, covered repayments), and each section answers one of them.
- What good looks like. The repayment sum must say which profit figure it uses and whether owners' drawings are already out, the detail a reviewer checks first.
- If unsure. Missing figures and unstated risk plans are marked [ADD] in place, so gaps are fixed before submission rather than spotted by the lender.