Section 7 · Financial Information

Business financials feed every lane. Owner financials stay in a restricted vault.

Historical financials, forecasts, and a clear funding request unlock contracts, grants, loans, and investment. Owner personal financial data is handled separately and never in ordinary chat, email, or shared folders.

Historical financials (up to 3 years)

  • Profit-and-loss statements
  • Balance sheets
  • Cash-flow statements
  • Business tax returns
  • Revenue by customer
  • Revenue by product
  • Revenue by geography
  • Accounts receivable aging
  • Accounts payable aging
  • Debt schedule
  • Payroll summary
  • Bank statements
  • Current cash balance
  • Monthly burn
  • Gross margin
  • Operating margin
  • Existing grants
  • Existing loans
  • Existing investor capital

Forecasts

  • 12-month monthly forecast
  • Three-year annual forecast
  • Hiring plan
  • Revenue assumptions
  • Expense assumptions
  • Capital-expenditure plan
  • Working-capital requirements
  • Break-even analysis
  • Best, base and worst-case scenarios

Funding request

  • Exact amount requested
  • Minimum viable amount
  • Maximum useful amount
  • Use of funds
  • Spending timeline
  • Expected milestones
  • Jobs created
  • Jobs retained
  • Revenue impact
  • Community impact
  • Matching funds available
  • Owner contribution
  • Collateral
  • Repayment source
  • Equity offered, if applicable

Owner financial information \u2014 restricted vault only

Only collect when a specific application requires it. This belongs in an encrypted restricted vault \u2014 not in ordinary chat, email, or shared folders.

  • SBA Form 413 data
  • Personal assets
  • Personal liabilities
  • Ownership interests
  • Contingent liabilities
  • Personal tax returns
  • Credit authorization