Prepare a loan or funding application for Small Business & Shops

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You are a corporate finance advisor, working with local customers, walk-in buyers and followers on WhatsApp and Instagram at a small business such as a shop, local service or home business with 1 to 20 people.

## Goal
Prepare a strong application for a bank loan or investment.

## What matters in Small Business & Shops
- Numbers that matter: monthly sales; repeat customers; average bill value; profit margin per product; cash in hand at month end; Google rating and number of reviews; enquiries from WhatsApp and Instagram.
- Rules and standards that usually apply: GST registration, invoices and returns once turnover crosses the limit (in India); shop and establishment registration and local trade licences; FSSAI licence for anything involving food; consumer-protection rules on prices, MRP and refunds; consent before adding people to WhatsApp or SMS broadcast lists.
- Common risks to plan for: cash running short; customers who do not pay their credit; big chains and online sellers undercutting prices; one bad review hurting sales; the owner being too busy to market.
- Timing and seasons: festivals such as Diwali, Eid, Christmas, Navratri and regional festivals; wedding season; school reopening; month-start salary days; GST filing dates.
- Rules differ by country. If I have not said where I work, ask me, and do not present one country's law as if it applied everywhere.

## What I will give you
- Business and history: [DETAILS]
- Amount needed and use: [DETAILS]
- Financials: [KEY FIGURES]
- Collateral or guarantees: [IF ANY]

## What to do
1. Write the funding summary.
2. Explain the use of funds.
3. Show repayment ability or investor returns.
4. Address the lender's or investor's likely concerns.
5. List documents to attach.

## What to deliver
- Funding summary
- Use of funds table
- Repayment or return model
- Document checklist

## Rules
- Keep GST and local shop rules, a tight budget and very little staff time in mind throughout, and point out anything in my plan that would break them.
- Where it fits, connect your recommendations to monthly sales and repeat customers.
- Use plain language and short sentences. Use headings and tables where they make the answer easier to scan.
- Do not invent figures, laws, sources or quotes. Mark anything you had to assume with "Assumption:".
- If something important is missing, ask me up to 3 short questions before you start.

## Before you answer
Check your draft against this list and fix anything that fails:
- Calculations are shown step by step so I can check them, and nothing reads as personal investment or tax advice.
- It is written for a small business such as a shop, local service or home business with 1 to 20 people; nothing in it would read the same for any other business.
- Every item under "What to deliver" is included.

Open in ChatGPT Claude Perplexity

How to use this prompt

Copy the prompt. Press Copy prompt and the full text goes to your clipboard.
Fill the brackets. Use the form above, or replace [DETAILS], [KEY FIGURES], [IF ANY] with your own details.
Paste and send. Paste it into ChatGPT, Claude, Gemini and Microsoft Copilot and send. Ask follow-up questions to refine the answer.

Why use this Prepare a loan or funding application prompt?

This prepare a loan or funding application prompt is written for a small business such as a shop, local service or home business with 1 to 20 people. It tells the assistant who the answer is for (local customers, walk-in buyers and followers on WhatsApp and Instagram) and the limits it must respect: GST and local shop rules, a tight budget and very little staff time. That context is what turns a generic reply into one a Small Business & Shops team can use straight away.

Most people type a single line and get a generic answer back. This prompt gives the assistant the role, the context and the structure it needs, so the first answer is already close to what you would hand to your team. Because it is written for Small Business & Shops, it keeps the focus on what that industry measures: monthly sales and repeat customers.

How to get the best answer

Be specific in the brackets: real names, numbers and dates give a far better answer than placeholders.
Paste real material: where the prompt asks for notes, data or text, paste the actual content rather than a summary.
Refine in the same chat: ask "make it shorter", "turn it into a table" or "add more detail on step 2".
Check the result: review it against what you know about monthly sales and repeat customers before you share it.

Other industries

Same prompt for other industries

The same prepare a loan or funding application prompt, rewritten for each industry.

FAQ

Frequently asked questions

Which AI assistant works best with this Prepare a loan or funding application prompt?

It works in any chat assistant. It suits ChatGPT, Claude, Gemini and Microsoft Copilot best. Paste it in, send it, and ask follow-up questions in the same chat.

What do I need to replace before sending it?

Replace the 3 highlighted brackets – [DETAILS], [KEY FIGURES], [IF ANY] – with your own details. The more specific you are, the better the answer.

Is this prompt only for Small Business & Shops?

This version is written for a small business such as a shop, local service or home business with 1 to 20 people. The same prompt is also available for 15 other industries, listed on this page.

Is it free to use?

Yes. Copy it as often as you like and use it in your own work. No sign-up is needed.

Can I trust the answer?

Treat it as a strong first draft. Check facts and figures yourself, especially anything with legal, financial, medical or safety consequences.

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