Plan the timing of expenditure, milestones and incoming revenue.
Plan the timing of expenditure, milestones and incoming revenue
A funding purpose connected to practical progress.
Repayment considered alongside existing commitments.
Availability and terms depend on assessment and the agreed loan.
A funding timeline shows when money is required and when it is expected to return. It can reveal pressure points such as supplier deposits, construction milestones and delays between completion and customer payment.
The timing of finance matters as much as the amount. Connect the expenditure to the period in which it will provide a benefit, and consider how regular repayments fit alongside other costs. A sensible plan allows for delays, changing expenses and a more cautious income forecast.
| Consideration | What to review | Purpose | Timing |
|---|---|---|---|
| Purpose | Define the outcome | Business or project need | Before borrowing |
| Total cost | Interest and fees | The complete commitment | Across the term |
| Repayment | Source of cash | Sustainable payments | Every due date |
| Security | Assets or guarantees | Understand obligations | Before agreement |
| Flexibility | Changes and early repayment | Practical options | During the term |
