STARTUPCOACH — BUSINESS FUNDING CHECKLIST
Give the money a job. Give repayment a plan.
Guide: https://startupcoach.cc/guides/business-funding-checklist.html
Prepared: November 8, 2026

1. THE BUSINESS NEED
Business / owner:
Date reviewed:
Specific purchase or cash gap:
Amount needed:
Date funds must be usable:
Customer order or demand evidence supporting the expense:
Smaller version of the purchase or experiment:

2. CASH AND REPAYMENT
Choose the provider's required payment frequency: daily / weekly / monthly.
For each period, record:
Opening business cash:
Cash actually expected to be collected (include expected dates):
Operating costs:
Taxes:
Owner withdrawals:
Other cash outflows (excluding debt payments listed below):
Existing debt payments:
Proposed new payment:
Closing cash = opening cash + cash collected - all cash outflows (including
operating costs, taxes, owner withdrawals, and debt payments).
Include each outflow once; do not double-count debt in another category.
Minimum operating reserve:
Lowest forecast cash balance:

Repeat with the largest collection delayed and sales below forecast.
What assumption changed?
Lowest cash balance in that version:
How would essential costs and repayments be covered?

3. WRITTEN OFFER COMPARISON — COMPLETE FOR EACH PROVIDER
Provider and actual funding entity:
Product type:
Offer date and expiry:
Approved limit / amount:
Net funds after deductions:
Interest rate or other pricing method:
Every mandatory fee:
Total repayment in dollars under the proposed schedule:
Payment amount and frequency:
First payment date:
Can the payment or rate change? How?
Personal guarantee, collateral or lien:
Automatic withdrawal requirements:
Allowed uses and other restrictions:
Early repayment terms:
Late payment terms:
Renewal, unused-line or minimum-borrowing charges:
Credit checks at initial review and later application stages:
Eligibility evidence requested:
Approval steps and expected timing:
Steps before funds are usable and expected timing:
Questions still unanswered:
Source / copy of written terms:

4. COMPARE AN ALTERNATIVE
Option: phase purchase / smaller pilot / supplier timing / customer deposit / other
Amount needed under this option:
Delivery and refund commitments:
Costs, risks, and effects on customers or suppliers:
What must be confirmed before using this option?

5. DECISION
This funding would let us deliver:
Repayments would be covered by:
We would keep this reserve for essential costs:
Unverified assumptions:
Next step, owner, and date:
Decision: investigate / reduce amount / defer / compare written offers

TOMO RESEARCH NOTE — REVIEWED NOVEMBER 8, 2026
Current availability needs confirmation.
The official small-business page advertises up to $100,000, with disclosures
that not everyone receives the maximum. This is not an approval or a confirmed
amount for your business. Tomo's FAQ describes it as not being a lender; its
FAQ footer says it is not accepting new applications. These statements do
not establish whether a particular business-credit pilot is open. Confirm
current availability, provider, costs, repayment, eligibility, credit checks,
and timing directly before applying.

Official information:
https://www.tomocredit.com/boost/small-business
https://www.tomocredit.com/faq
https://www.tomocredit.com/partner

The partnership page does not publish commission rates or establish that the
business-credit offer is included. Publisher approval, eligible products,
tracked links, and payment terms require separate confirmation. StartupCoach
has no approved Tomo affiliate link in this resource and earns no referral
commission from these ordinary information links.

This is a planning worksheet. Record the provider's current written terms;
do not treat an advertised maximum or marketing email as a funding commitment.