Carrow Street Bakery Equipment Loan
Business loan presentation: what a lender needs to see
A business loan presentation has to prove the business can make the repayment every month, not just on average, and that the lender is covered if it cannot. Carrow Street Bakery, an invented Ballarat bakery, asks for 420,000 dollars over five years and draws the 8,395 dollar repayment across twelve months of cash flow.
Every slide, in order
The whole deck as it renders, one slide after another. Read it the way the audience would.
The structure
What each slide is doing, so you can reuse the order even with different content.
- Slide 1cover
- State the request, the amount and the asset on the cover, because a lender reads the ask first.
- Slide 2intro
- The request in one paragraph and the three facts behind it, so the lender knows what the loan is for before seeing numbers.
- Slide 3metrics
- Three years of revenue, net margin and existing debt in one table, because a lender wants the trend, not one year.
- Slide 4metrics
- Monthly operating cash flow for the last year with the new repayment drawn across it, so serviceability is visible in every month.
- Slide 5metrics
- Debt service cover now and with the second line, the single ratio most credit assessments turn on.
- Slide 6comparison
- The security offered as a table with a short note on cover, so the lender does not have to ask.
- Slide 7comparison
- Lease against buy over five years, so the lender sees why the directors chose a loan.
- Slide 8timeline
- The fit out from approval to the first wholesale bake, timed to the contract start date.
- Slide 9closing
- Close with what is attached and who to call, the practical details a lending officer needs.
Slide by slide
Slide one states the request, the amount and the asset. Slide two explains why now: the oven is full, contracts are signed and the space exists. Slide three is three years of revenue, profit, margin and existing debt. Slide four is monthly cash flow against all repayments. Slide five is debt service cover with and without the new contracts. Slide six is the security offered, with a paragraph on why it is enough. Slide seven compares leasing with buying. Slide eight is the fit out from approval to first bake. Slide nine lists what is in the application pack and who to call.
How to adapt this deck
A loan for working capital rather than equipment has no asset to secure it, so slide six needs more weight on guarantees and slide seven becomes a comparison of an overdraft against a term loan. A business with seasonal income should keep the monthly cash flow chart but add a second year, so the lender sees the low months repeat and are covered. A startup with no trading history cannot show slides three and four honestly and should lead with signed contracts and the personal position of the directors instead.
What a lender asks for
Business.gov.au lists what lenders usually ask for: identification, a business plan, financial reports including cash flow statements, forecasts, lease agreements and personal financial information. A presentation does not replace those documents, but it puts them in the order a credit officer reads them: the request, the track record, serviceability, security and the plan. The Australian Small Business and Family Enterprise Ombudsman publishes guidance for small businesses dealing with lenders, including what to do if an application is declined.
What makes this deck work
Every month clears the repayment
Slide four plots FY27 operating cash flow, from 18,000 to 34,000 dollars a month, against 10,800 dollars of total repayments, the new 8,395 plus the existing 2,400. Even January, the weakest month, clears it, which an annual figure would hide.
Cover is stated both ways
Slide five gives debt service cover of 2.2 times on FY27 cash flow alone and 3.2 times with the two signed wholesale contracts. A lender can approve on the first number and treat the second as upside.
Lease against buy is costed
Slide seven shows the lease at 9,900 dollars a month and 594,000 over five years, against 8,395 a month and 503,700 dollars repaid with this loan, plus an oven worth about 150,000 at the end. The request reads as the cheaper choice, not just a preference.
Questions people ask
Do banks look at a presentation for a business loan?
Lenders decide on the application, financial statements and security, but a short presentation helps the relationship manager make the case to credit. It also forces you to state the request, the repayment and the security on one page each. Bring it to the first meeting.
What is debt service cover and what should it be?
Annual operating cash flow divided by annual repayments on all loans. Many lenders look for well above one, often around 1.5 times or more, but each sets its own threshold. This bakery shows 2.2 times on existing cash flow alone, which gives the lender room.
How do I show cash flow against a loan repayment?
Plot twelve months of operating cash flow as one line and total monthly repayments, new and existing, as a second flat line. If every month stays above the repayment line, the slide makes the case on its own. Label the units in the slide description.
What security should a small business offer for a loan?
Usually the asset being bought, a general security agreement over company assets and director guarantees, sometimes with a term deposit. List each with its value and ranking. Mention any other lender with a claim, as this deck does with the van finance.
Should a loan presentation compare leasing with buying?
For equipment, yes. Lenders and directors both want to know the alternative was considered. Show the monthly payment, the total paid over the term and what you own at the end. This example uses the supplier lease quote, with its expiry date in the caption.
Can I send this presentation to the bank as a PDF?
Yes. PDF export is on every plan at about 1 credit per 10 slides; it saves any unsaved edits first and then renders the deck. If the lender wants to edit the tables, the editable PowerPoint export on a paid plan turns tables and charts into native objects.
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