# Lender discussion and business-plan worksheet

Prepare evidence for a financing discussion without implying lender eligibility or approval.

Original Louisiana Deep Sea Fishing planning worksheet. Prepared October 22, 2026. Editable example, not an official agency form, contract, legal opinion, inspection or certification. No signup is required.

Prepared by: __________  Planning date: __________  Version: __________

## Use of funds

- Vessel or business asset schedule and proposed price: __________

- Owner cash contribution and source: __________

- Financed fees versus cash-paid costs: __________

- Survey, repairs, permit diligence and working-capital uses: __________

## Repayment assumptions

- Monthly debt scenario and actual lender quote status: __________

- Completed-trip contribution and realistic monthly volume: __________

- Owner compensation, taxes and reserve assumptions: __________

- Downside repair, cancellation and demand scenarios: __________

## Evidence appendix

- Ownership/title, survey and insurance evidence location: __________

- Permission and commercial dock feasibility: __________

- Historical records or original demand evidence: __________

## How to use this record

Keep personal financial and identity records in a secure lender channel, not a public worksheet. A calculated payment does not establish underwriting, collateral value or an offered interest rate. Ask the lender which additional records its actual process requires.

Keep confirmed facts, estimates and unknowns distinct. For a requirement record the responsible source, checked date, supporting evidence and next action. Retain private financial, identity and personnel documents securely; do not put them into public URLs or analytics.

## Continue the lesson

https://louisianadeepseafishing.com/charter-business/business-plan

Before acting, verify changing requirements with the responsible agency and obtain qualified advice for the actual operation. This document does not submit an application or establish that any requirement is satisfied.


## Funding and timing bridge

- Total defined uses of cash before launch: __________
- Confirmed owner unrestricted contribution: __________
- Requested financing and financed fees: __________
- Other funding, conditions and evidence: __________
- Remaining known gap plus separately listed unknowns: __________
- First payment date and launch-delay exposure: __________

Do not count refundable customer advances as owner capital. Do not list the full financed boat price and down payment as two cash uses.

## Questions for the actual lender

- Eligible asset/use and documentation requirements: __________
- Rate, term, amortization and any balloon: __________
- Down payment, fees, collateral and guarantees: __________
- Insurance, survey, repair and permission conditions: __________
- Prepayment, default and payment-timing terms: __________
- Funding availability and conditions before closing: __________

Keep the written proposal separate from calculator assumptions. Ask the lender and qualified advisers to explain terms and risk. This worksheet supplies no underwriting rule or assurance of approval.