What belongs on the source side?
Show the cash actually expected from equity, debt or another identified source, with its receipt date and status. Separate committed financing from a requested amount. If proceeds are net of fees, either use the net receipt or show the fee separately and reconcile the gross amount consistently.
The SBA planning guidance asks the funding request to explain intended uses and connect to projections. That supports a clear presentation; it does not create a universal lender template or establish that any stated loan amount will be approved.
How do uses connect to retained cash?
In a hypothetical USD opening schedule, assume $40,000 equity and $25,000 loan proceeds, received before the payments below. Sources total $65,000. Equipment uses $30,000, a recoverable deposit uses $5,000, opening stock uses $4,000, pre-opening expenses use $6,000 and financing fees use $2,000.
Total paid uses are $47,000, leaving $18,000 cash. The reconciliation is $65,000 = $47,000 + $18,000. This simplified example starts from zero cash and excludes trading receipts, taxes and other obligations. The deposit and stock remain distinct assets; their initial payments are still cash uses.
Why is the payment calendar a separate test?
A loan received in June cannot fund a deposit due in April without another available source. Add receipt and payment dates, carry opening cash forward and inspect the lowest monthly balance. A project can have sufficient total financing yet fail at an earlier payment milestone.
Do not count the same advance twice when the final invoice arrives. Apply the advance against the outstanding purchase price. Likewise, use operating cash losses from the monthly forecast once; a second generic working-capital expense can duplicate the same launch funding need.
What changes after the business opens?
Roll the retained cash into the operating forecast. Collections, supplier payments, payroll, tax, later asset purchases, debt service and distributions then determine the future balance. A startup table does not replace that monthly forecast or demonstrate debt repayment capacity.
Keep financing terms, fees and security assumptions open until documented. Use the quote-to-budget guide for purchase scope and the monthly cash bridge for trading movements. Those checks explain different parts of the same cash story.
