LoanLogs
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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 joinery business with made-up statements. Every figure is worked out exactly as it is for a real case.
Indicative lending limit · unsecured term loan
£53,000 – £133,000
Over 24 to 36 months
Cash advance / revenue-based finance£38,000 – £61,000
True turnover£44,616/mo · £535,386/yr
- Term loan capped at 10%-25% of yearly turnover (£535,386), the usual unsecured limit.
- Cash advance reduced by about £5,818: the estimated balance of advances already running (£970 a month x 6 months).
How we got there
True monthly turnover
£44,616
Monthly cash available
£7,252/mo
Existing loan repayments
-£1,470/mo
Room for new repayments
£3,365 – £4,332/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, 2 still being paid · £1,470 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 |
£970 | £5,824 131 payments |
– | Mar 26 – Aug 26 |
 iwoca |
Term loan | Live Paid monthly |
£500 | £3,000 6 payments |
£10,000 1 × · last 14 Jul |
Mar 26 – Aug 26 |
 Shire Leasing |
Asset finance / leasing | Ended Paid monthly |
£385 | £1,155 3 payments |
– | Mar 26 – May 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
£7,252/moCash profit after loan payments
£5,589/moMonths in profit after loans
5 of 6| Total | Per month | |
|---|---|---|
| Customer receipts | £267,693 | £44,616 |
| Trading income | £267,693 | £44,616 |
| Wages and salaries | -£70,800 | -£11,800 |
| Rent and premises | -£13,500 | -£2,250 |
| VAT | -£15,800 | -£2,633 |
| PAYE and NI | -£14,880 | -£2,480 |
| Other costs | -£109,203 | -£18,201 |
| Running costs | -£224,183 | -£37,364 |
| Cash profit before loan payments | £43,510 | £7,252 |
| Loan and advance repayments | -£9,979 | -£1,663 |
| Loan payments | -£9,979 | -£1,663 |
| Cash profit after loan payments | £33,531 | £5,589 |
| New loans paid in | £10,000 | £1,667 |
| From directors and shareholders | £8,000 | £1,333 |
| To directors and shareholders | -£12,000 | -£2,000 |
| Other money in and out | £6,000 | £1,000 |
| Change in bank balance | £39,531 | £6,589 |
Month by month
| Mar 26 | Apr 26 | May 26 | Jun 26 | Jul 26 | Aug 26 | |
|---|---|---|---|---|---|---|
| Customer receipts | £43,803 | £55,213 | £38,137 | £43,269 | £50,440 | £36,831 |
| Trading income | £43,803 | £55,213 | £38,137 | £43,269 | £50,440 | £36,831 |
| Wages and salaries | -£11,800 | -£11,800 | -£11,800 | -£11,800 | -£11,800 | -£11,800 |
| Rent and premises | -£2,250 | -£2,250 | -£2,250 | -£2,250 | -£2,250 | -£2,250 |
| VAT | – | -£7,900 | – | – | -£7,900 | – |
| PAYE and NI | -£2,480 | -£2,480 | -£2,480 | -£2,480 | -£2,480 | -£2,480 |
| Other costs | -£18,633 | -£17,989 | -£19,278 | -£16,883 | -£16,343 | -£20,077 |
| Running costs | -£35,163 | -£42,419 | -£35,808 | -£33,413 | -£40,773 | -£36,607 |
| Cash profit before loan payments | £8,640 | £12,794 | £2,329 | £9,856 | £9,667 | £224 |
| Loan and advance repayments | -£1,868 | -£1,874 | -£1,828 | -£1,449 | -£1,525 | -£1,435 |
| Loan payments | -£1,868 | -£1,874 | -£1,828 | -£1,449 | -£1,525 | -£1,435 |
| Cash profit after loan payments | £6,772 | £10,920 | £501 | £8,407 | £8,142 | -£1,211 |
| New loans paid in | – | – | – | – | £10,000 | – |
| From directors and shareholders | – | – | £8,000 | – | – | – |
| To directors and shareholders | -£2,000 | -£2,000 | -£2,000 | -£2,000 | -£2,000 | -£2,000 |
| Other money in and out | -£2,000 | -£2,000 | £6,000 | -£2,000 | £8,000 | -£2,000 |
| Change in bank balance | £4,772 | £8,920 | £6,501 | £6,407 | £16,142 | -£3,211 |
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
2 returned or unpaid payments.
New borrowing in the last 90 days: iwoca (£10,000).
Director and shareholder money
Paid in by directors / shareholders£8,000 (1)
Paid out to directors / shareholders£12,000 (6)
Net-£4,000
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 · 389 transactions from 38 pages
Indicative only, based on bank statements. Not a credit decision or an offer of finance.