Capital Readiness Field Sheet

01

The ask

Push until you get a number and a line item.
"Funding" is never actionable.

Amount needed What it buys When they need it

In their words: what happens if they don't get it?

02

Time in business and revenue decide
almost everything downstream.

Months in operation Monthly revenue Monthly business expenses

Entity Where does the money land?

Carries liability insurance Licensed / permitted for the work Keeps books or uses accounting software Has signed clients or contracts

Monthly margin

—

Revenue minus expenses

Comfortable payment

—

Half the margin, to stay safe

Months to self-fund

—

Ask ÷ margin

TMCC 2.5× ceiling

—

2.5× monthly gross. Verify.

03

Ask plainly. Guessing here is what
sends people into a rejection.

Credit situation Identification

1 month bank statement 3 months statements Recent tax returns Profit & loss or YTD financials Valid government ID Proof of business

04

What they do before the next session,
and who you're handing them to.

Client's action items Referrals sent

Advisor notes