Government supported scheme for your business clients

The CBILS application process requires a personal ALIE for all directors and shareholders of the business. There are two main reasons for this.

Firstly, it's needed to support any Personal Guarantee, which may be required for debt over £250k.

Secondly, it allows lenders to assess the drawings required by the Shareholders - this helps lenders ascertain the maximum retained profit (post dividends) in a business to service new debt.

Capitalise has 33 of these 90+ lenders on our platform and our matching service will identify which products a business is eligible for. Don't hesitate to get in contact with us for more information on the CBILS process. 

The information in this template allows lenders to work out the 'funding gap' of the business over the next 12 months.

For example if revenue is down to £0 and ongoing costs are £10k per month (once all government support is taken into account), then the funding gap will be £120k based on a 12 months forecast.

This will, likely, be the maximum a business can receive under CBILS.

Please note, some lenders use a 6 month forecast and others 12.

Capitalise has 33 of these 90+ lenders on our platform and our matching service will identify which products a business is eligible for. Don't hesitate to get in contact with us for more information on the CBILS process. 

Using this debt structure, lenders can easily work the serviceability of any new debt they need to take into account current debt repayments. 

Capitalise has 33 of these 90+ lenders on our platform and our matching service will identify which products a business is eligible for. Don't hesitate to get in contact with us for more information on the CBILS process.