Setup and asset costs
List equipment quotations, furniture or fit-out estimates, refundable deposits, opening inventory and separate start-up expenses. Keep each cost in one category so it is not counted twice.
Free business planning tool
Business loan project report generator
Fill your project report directly. Review linked financial projections and download a PDF or Excel workbook—no signup required.
New business · Term loan · 3–5 year projections
Review your projected report
Your business · FY 2026-27 onwards · All figures in INR
Add the business name, proprietor, address, activity and loan purpose to enable downloads.
Projected Profit & Loss
| Particulars (INR) | FY 2026-27 | FY 2027-28 | FY 2028-29 |
|---|---|---|---|
| Sales | 36,00,000 | 39,60,000 | 43,56,000 |
| Cost of goods sold | 27,00,000 | 29,70,000 | 32,67,000 |
| Gross profit | 9,00,000 | 9,90,000 | 10,89,000 |
| Operating expenses | 4,20,000 | 4,41,000 | 4,63,050 |
| Depreciation | 45,000 | 38,250 | 32,512.5 |
| Loan interest | 51,077.16 | 41,891.7 | 31,643.32 |
| Profit before tax | 3,83,922.84 | 4,68,858.3 | 5,61,794.18 |
| Planning tax provision | 0 | 0 | 0 |
| Profit after provision | 3,83,922.84 | 4,68,858.3 | 5,61,794.18 |
Projected Balance Sheet
| Particulars (INR) | FY 2026-27 | FY 2027-28 | FY 2028-29 |
|---|---|---|---|
| Fixed assets (net) | 2,55,000 | 2,16,750 | 1,84,237.5 |
| Refundable deposit | 50,000 | 50,000 | 50,000 |
| Closing inventory | 2,21,917.81 | 2,44,109.59 | 2,68,520.55 |
| Trade debtors | 1,47,945.21 | 1,62,739.73 | 1,79,013.7 |
| Cash / (unfunded shortfall) | 3,44,487.29 | 6,19,208.39 | 9,66,315.6 |
| Total assets | 10,19,350.3 | 12,92,807.71 | 16,48,087.35 |
| Owner capital | 4,88,922.84 | 8,37,781.13 | 12,79,575.32 |
| Term loan: due within 12 months | 88,562.83 | 98,811.22 | 1,10,245.54 |
| Term loan: non-current | 3,32,059.79 | 2,33,248.57 | 1,23,003.03 |
| Trade creditors | 1,09,804.84 | 1,22,966.79 | 1,35,263.46 |
| Total capital & liabilities | 10,19,350.3 | 12,92,807.71 | 16,48,087.35 |
| Balance check (must be zero) | 0 | 0 | 0 |
Cash flow & repayment
| Particulars (INR) | FY 2026-27 | FY 2027-28 | FY 2028-29 |
|---|---|---|---|
| Profit after provision | 3,83,922.84 | 4,68,858.3 | 5,61,794.18 |
| Depreciation added back | 45,000 | 38,250 | 32,512.5 |
| Working capital cash movement | -10,058.17 | -23,824.36 | -28,388.25 |
| Principal repaid | 79,377.38 | 88,562.83 | 98,811.22 |
| Owner drawings | 1,20,000 | 1,20,000 | 1,20,000 |
| Net cash movement | 2,19,487.29 | 2,74,721.1 | 3,47,107.21 |
| Closing cash / (shortfall) | 3,44,487.29 | 6,19,208.39 | 9,66,315.6 |
| Closing loan balance | 4,20,622.62 | 3,32,059.79 | 2,33,248.57 |
Projected planning report, not audited or certified accounts. Negative cash is an unfunded gap, not an assumed extra loan. Excel contains a calculated snapshot; change inputs here and export again to recalculate.
Create a bank loan project report in PDF and Excel
Need a project report for a bank loan? Enter your new business details, project costs and funding plan to create a report with projected balance sheet, profit and loss account and cash flow. Download the bank loan project report as a PDF for sharing and an Excel workbook for reviewing the figures.
Prepare a retail shop, trading or service business plan with projected financial statements. All calculations run in your browser. Start with “Load example” to explore a fictional retail business, then replace the example with your own figures.
Bank loan project report format and sample: read the guide →How to create and download your bank loan project report
- Enter your business name, proprietor, address, business activity and loan purpose.
- Add equipment, fit-out, refundable deposits, opening stock and start-up expenses in rupees.
- Enter owner contribution, term loan amount, annual interest rate and repayment tenure.
- Estimate monthly sales, gross margin, operating costs, growth and working capital days.
- Review the projected statements and funding gaps, then download PDF and Excel.
Bank loan project report format: what your download includes
- Business and proprietor profile with project purpose.
- Cost of project and means of finance: owner contribution, term loan and opening cash or funding gap.
- Projected profit and loss account for 3–5 years.
- Projected balance sheet with assets, owner capital, creditors and current/non-current loan balances.
- Annual cash flow, EMI, interest and principal repayment.
- Assumptions, methodology and funding-shortfall warnings.
Excel contains calculated values, not live formulas. Change inputs here and export again. Use English or Roman Hindi business details for PDF; Excel supports Hindi text.
Bank loan project report sample: retail shop funding plan
Use “Load example” in the form to try this project report sample, then download its PDF or Excel workbook after reviewing the inputs. This fictional shop example matches the tool’s default financial inputs. The owner and loan provide ₹7,50,000, of which ₹6,25,000 is allocated to setup and stock; ₹1,25,000 remains as opening cash.
| Project cost / funding item | Amount (₹) |
|---|---|
| Equipment | 2,00,000 |
| Furniture / fit-out | 1,00,000 |
| Refundable deposit | 50,000 |
| Initial inventory | 2,50,000 |
| Start-up expenses | 25,000 |
| Total project cost | 6,25,000 |
| Owner contribution | 2,50,000 |
| Term loan | 5,00,000 |
| Opening cash | 1,25,000 |
Bank loan project report PDF or Excel: which should you download?
PDF report for sharing
Download a fixed-layout report containing your business profile, cost and funding breakup, projected statements and assumptions. Review the figures and your lender’s requirements before sharing it.
Excel workbook for checking figures
Download a real .xlsx workbook with separate report sheets. The Excel format contains calculated values, not live formulas. Update assumptions in the online tool and export again to recalculate.
The sample and your own report use the same format. This tool creates a planning draft for a new proprietorship with a term loan; it does not certify the report or guarantee loan approval.
Projected balance sheet and P&L in your bank loan report
Sales and gross margin determine cost of sales and gross profit. Operating costs, depreciation and loan interest produce projected profit. Profit less drawings changes owner capital. Inventory, customer collections, supplier credit and principal repayments determine cash.
The balance sheet check compares total assets with owner capital and liabilities. A matching total does not prove the business is viable: review negative cash, stock assumptions and repayment pressure too. A cash shortfall is shown openly; the generator does not invent another loan to hide it.
Check the lender’s requirements before submission
This is a new-business term-loan planning model. It assumes full-year operations, an immediate monthly EMI, no moratorium and no later capital additions. It does not include existing-business historical accounts, CC limits, certified CMA data or scheme-specific subsidy calculations.
Confirm the required projection period, format and supporting documents with your lender. Review the completed draft with your accountant before submission.
What to keep ready before you create your project report
The generator can organise your plan, but the inputs should come from your own project. Keep the supporting estimates beside you while completing the report. A documented assumption is easier to review than a figure entered only to make a projection look better.
Sources of funds
Identify the owner contribution and the proposed term loan separately. The difference between total funding and setup cost becomes opening cash or a funding gap in this model.
Sales and direct costs
Prepare a monthly sales estimate and the gross margin that reflects the direct cost of supplying those sales. Use your expected volumes and prices as the basis for the estimate.
Operating and working capital assumptions
List recurring monthly costs and think through inventory, customer collection and supplier payment timing. Add your planning assumptions for growth, drawings, depreciation and tax provision.
Understand the retail shop sample before changing the numbers
The example starts with monthly sales of ₹3,00,000 and a 25% gross margin. The first full year therefore has ₹36,00,000 in sales and ₹9,00,000 in gross profit. At monthly operating expenses of ₹35,000, annual operating expenses are ₹4,20,000. Interest, depreciation and any planning tax provision are calculated separately.
| Sample assumption | How the model uses it | First-year amount |
|---|---|---|
| Monthly sales: ₹3,00,000 | Monthly sales × 12 | ₹36,00,000 sales |
| Gross margin: 25% | Annual sales × 25% | ₹9,00,000 gross profit |
| Direct costs: 75% of sales | Sales less gross profit | ₹27,00,000 cost of sales |
| Monthly expenses: ₹35,000 | Monthly expenses × 12 | ₹4,20,000 operating costs |
| Before depreciation, interest and tax | Gross profit less operating costs | ₹4,80,000 |
These are fictional planning figures. They are not a forecast for your shop or a recommended margin. Replace the example with your own business estimates and review the resulting statements.
Profit and cash are different parts of the report
The profit and loss account tracks projected income and expenses. Cash flow also reflects when money is tied up in inventory, owed by customers or paid to suppliers. Loan principal repayments and owner drawings reduce cash even though they are not operating expenses in the P&L.
In this model, customer collection days increase projected debtors, stock holding days affect closing inventory and supplier payment days affect creditors. A business can show projected profit while still having a cash shortfall. Read the cash flow and balance sheet alongside the P&L instead of treating one profit figure as the full picture.
How to read a funding gap
Opening cash equals owner contribution plus the term loan, less the total project cost. In the sample, ₹2,50,000 of owner funds plus a ₹5,00,000 loan provides ₹7,50,000. Subtracting ₹6,25,000 of setup costs leaves ₹1,25,000 of opening cash.
If you reduce the owner contribution to ₹1,00,000 while leaving the other figures unchanged, opening cash becomes negative ₹25,000. The report flags that difference as an unfunded gap. It does not automatically add borrowing or change another assumption to make the cash positive.
A practical checklist for reviewing the report
Check the business profile
Confirm the business name, proprietor, address, activity and loan purpose. Make the purpose specific enough to explain what the project will buy and how the business will operate.
Reconcile project costs and funding
Compare the equipment, fit-out, deposits, stock and start-up expenses with your supporting estimates. Check owner contribution, loan amount and the resulting opening cash or gap.
Check monthly and annual units
Sales and operating expenses are entered as monthly figures; drawings are entered annually. Interest and growth rates are percentages. Tenure is entered in months, not years.
Read every projected year
Review profit, cash, loan balances and owner capital across the full period. A later-year cash gap is still a gap even when the first year looks comfortable.
Review the model assumptions
The model uses full financial years, a loan drawn at the start and monthly repayments without a moratorium. Check whether those assumptions describe the plan you are trying to model.
Review both downloads
Open the PDF for the report layout and the Excel workbook for the tabulated figures. If you find an error, update the online inputs and export both versions again.
Use the generator for the business model it supports
This tool is designed for a new proprietorship with a term loan and a straightforward trading, retail or service activity. The report links setup funding to projected income, cash movements and the balance sheet. For a service business with no physical inventory, the stock fields can be set to zero; direct costs still need to be reflected in the gross margin assumption.
An existing business, a manufacturing project with detailed production schedules or a proposal with several loan facilities may need a more specialised model. This version does not include historical statements, cash-credit calculations, later capital additions, a moratorium or scheme-specific subsidies. Use the generated draft within that scope and confirm the final submission requirements separately.
Bank loan project report PDF and Excel: FAQs
Is the bank loan project report PDF and Excel download free?
Yes. You can enter your business details, create 3–5 years of projections and download the PDF and Excel workbook without signing up.
How do I create a project report for a bank loan online?
Enter your business profile, project costs, owner contribution, term loan and sales/expense assumptions. Review the projected P&L, balance sheet, cash flow and funding warnings, then download your report.
How do I download a bank loan project report sample in PDF or Excel?
Choose “Load example” to fill the fictional retail shop sample, review its inputs and use the download buttons. PDF contains six report sections. The .xlsx workbook contains those sections plus a Read me sheet. Excel is a calculated snapshot; update inputs in the generator and export again to recalculate.
Does it generate a projected balance sheet and profit and loss account?
Yes. It links sales, costs, depreciation, interest, working capital, drawings and loan repayments to create projected P&L, balance sheet and cash flow for 3, 4 or 5 years.
Can I use this for a new retail shop or service business?
Yes, for planning a new proprietorship financed by a term loan. Trading businesses can enter stock and supplier credit days. Service businesses without inventory can set opening stock and stock days to zero and choose a gross margin reflecting their direct costs.
Is this a CMA data generator or a CC loan report?
No. This version models a new business with a term loan. It does not calculate a cash-credit limit, drawing power or a complete bank-specific CMA statement.
Is the report accepted by every bank or guaranteed to get a loan?
No. The report is a planning draft based on your inputs, not audited or certified accounts. Ask your lender for its required format and projection period, and have your accountant review it before submission.
Can I use this as a Mudra or PMEGP project report?
It can help draft financial projections, but it does not calculate scheme-specific eligibility, subsidy, margin money or prescribed application forms. Check the current scheme and lender requirements separately.
What does a negative opening cash figure mean?
Owner contribution plus the term loan is below the total project cost entered in the form. The difference is shown as a funding gap. The generator does not assume another loan to fill it.
Can I edit the financial projections in the Excel workbook?
The workbook contains the calculated report values, not live formulas. Update the assumptions in the online generator and download a new workbook when you want the linked statements to recalculate.
Are sales and expenses entered monthly or annually?
Enter first-year sales and operating expenses as monthly amounts. The model multiplies them by 12 for the first full financial year. Owner drawings are entered annually, and the loan tenure is entered in months.
Does the report include a loan moratorium?
No. This model assumes the term loan is fully drawn at the start and repayments begin through monthly EMI without a moratorium. It does not model staged disbursements or repayment holidays.
Will my project details be saved after refreshing?
Inputs are held in the current browser session and clear when the page is refreshed. Download your report before leaving and keep a record of your assumptions if you need to enter them again.
Can I enter Hindi business details?
Use English or Roman Hindi for the PDF business details. The Excel workbook supports Hindi text. Check the downloaded file to confirm that the business information displays as intended.
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