Know Your Numbers Before You Talk to a Bank or Investor
Coming soon
Publishes Thursday, August 6. The write-up is ready now.
Part of the free 14-week financial series for small store owners. See all lessons →
This lesson publishes soon. Here's the framework it will cover.
What a lender actually wants to see
A bank or investor isn't evaluating how hard the business works, they're evaluating whether the numbers support repayment or return. Vague answers, even accurate ones, read as unpreparedness. Specific numbers, even modest ones, read as a business that knows itself.
What to have ready
Consistent monthly profit figures, not just annual totals. A pattern over time tells a clearer story than a single number.
A cash flow projection, not just a current balance. Lenders want to see the business can handle timing gaps, not just that it's solvent today.
A clear answer for what the money is actually for. Specific, not general. "Working capital" is weaker than "covering a six-week gap before a seasonal peak."
The CPA read
If asked for last month's profit margin right now, having an immediate, confident answer is worth more in that conversation than almost anything else.
Walk in with the numbers ready
Clarity by Margini keeps your monthly profit, margin, and cash flow projection ready to reference at any time.
For educational purposes only. This lesson provides general guidance, not financial, tax, or investment advice. Always consult a qualified professional for your specific situation.