LoanLogs
Know before you submit · loanlogs.com
Example lending report
Lending report · Example business
Example business · Statements 1 Mar 2026 to 31 Aug 2026 (6.0 months) · Ref LL-EXAMPLE
Example only: a small café with made-up statements. Every figure is worked out exactly as it is for a real case.
Other examples: Borderline · Worth chasing
Verdict
Worth chasing
Borderline
Unlikely to fund
- No room for a term loan or a cash advance on these statements.
- Stacked: 3 cash advances running at the same time (YouLend, Liberis, 365 Business Finance).
- 4 returned or unpaid payments.
Only you see this. It is not on the PDF or the share link.
Indicative lending limit · unsecured term loan
£0
Over 24 to 36 months
Cash advance / revenue-based finance£0
True turnover£8,890/mo · £106,682/yr
- Existing repayments already use all the cash a lender would normally allow for debt.
- Cash advance reduced by about £14,738: the estimated balance of advances already running (£2,456 a month x 6 months).
How we got there
True monthly turnover
£8,890
Monthly cash available
£816/mo
Existing loan repayments
-£2,456/mo
Room for new repayments
£0 – £0/mo
Lenders usually want 1.25x to 1.5x cover on all debt and cap unsecured lending at 10% to 25% of yearly turnover. Rates assumed: 10% to 18%.
Loan log
3 lenders found, 3 still being paid · £2,456 a month in live repayments
· checked against 500 lender names
| Lender | Type | Status | Per month | Repaid | Drawn | Seen |
|---|---|---|---|---|---|---|
 YouLend |
Cash advance / revenue-based finance | Live Paid daily |
£949 | £5,714 184 payments |
– | Mar 26 – Aug 26 |
 Liberis |
Cash advance / revenue-based finance | Live Paid daily |
£830 | £4,998 184 payments |
– | Mar 26 – Aug 26 |
 365 Business Finance |
Cash advance / revenue-based finance | Live Paid daily |
£677 | £2,725 123 payments |
£6,000 1 × · last 6 May |
May 26 – Aug 26 |
Cash P&L
What came in and went out of the bank, laid out like a profit and loss. Cash basis: amounts count in the month they were paid.
Cash profit before loan payments
£816/moCash profit after loan payments
-£1,423/moMonths in profit after loans
1 of 6| Total | Per month | |
|---|---|---|
| Customer receipts | £53,341 | £8,890 |
| Trading income | £53,341 | £8,890 |
| Wages and salaries | -£17,400 | -£2,900 |
| Rent and premises | -£9,900 | -£1,650 |
| Other costs | -£21,143 | -£3,524 |
| Running costs | -£48,443 | -£8,074 |
| Cash profit before loan payments | £4,898 | £816 |
| Loan and advance repayments | -£13,437 | -£2,240 |
| Loan payments | -£13,437 | -£2,240 |
| Cash profit after loan payments | -£8,539 | -£1,423 |
| New loans paid in | £6,000 | £1,000 |
| To directors and shareholders | -£5,400 | -£900 |
| Other money in and out | £600 | £100 |
| Change in bank balance | -£7,939 | -£1,323 |
Month by month
| Mar 26 | Apr 26 | May 26 | Jun 26 | Jul 26 | Aug 26 | |
|---|---|---|---|---|---|---|
| Customer receipts | £10,443 | £9,629 | £9,444 | £8,457 | £8,132 | £7,236 |
| Trading income | £10,443 | £9,629 | £9,444 | £8,457 | £8,132 | £7,236 |
| Wages and salaries | -£2,900 | -£2,900 | -£2,900 | -£2,900 | -£2,900 | -£2,900 |
| Rent and premises | -£1,650 | -£1,650 | -£1,650 | -£1,650 | -£1,650 | -£1,650 |
| Other costs | -£2,523 | -£4,309 | -£3,437 | -£3,387 | -£3,543 | -£3,944 |
| Running costs | -£7,073 | -£8,859 | -£7,987 | -£7,937 | -£8,093 | -£8,494 |
| Cash profit before loan payments | £3,370 | £770 | £1,457 | £520 | £39 | -£1,258 |
| Loan and advance repayments | -£1,791 | -£1,747 | -£2,530 | -£2,412 | -£2,477 | -£2,480 |
| Loan payments | -£1,791 | -£1,747 | -£2,530 | -£2,412 | -£2,477 | -£2,480 |
| Cash profit after loan payments | £1,579 | -£977 | -£1,073 | -£1,892 | -£2,438 | -£3,738 |
| New loans paid in | – | – | £6,000 | – | – | – |
| To directors and shareholders | -£900 | -£900 | -£900 | -£900 | -£900 | -£900 |
| Other money in and out | -£900 | -£900 | £5,100 | -£900 | -£900 | -£900 |
| Change in bank balance | £679 | -£1,877 | £4,027 | -£2,792 | -£3,338 | -£4,638 |
Money out is shown as negative. The first and last months may be part months. Wages, rent, HMRC and loans are picked out by name; everything else paid out counts as other costs.
Things lenders will ask about
Stacked: 3 cash advances running at the same time (YouLend, Liberis, 365 Business Finance).
4 returned or unpaid payments.
Overdrawn on 97 days (longest run 65 days, lowest balance -£8,923).
No HMRC payments seen. Lenders may ask how VAT and PAYE are paid.
Gambling: £1,638 paid to betting or gaming sites.
Director and shareholder money
Paid in by directors / shareholders£0 (0)
Paid out to directors / shareholders£5,400 (6)
Net-£5,400
Matched against directors and people with significant control on Companies House. Money paid in may be a director's loan to the business; lenders often ask for it to be postponed. Dividends are left out.
LoanLogs · Verified by ExactSum · 2 Sep 2026, 09:14 · 822 transactions from 31 pages
Indicative only, based on bank statements. Not a credit decision or an offer of finance.