Professional funding proposal builder for acquisitions and commercial finance.
Structure the funding requirement, analyse sources and uses and debt-service capacity, then generate a professional, lender-oriented proposal — entirely in your browser, at no cost.
No login. No credits. Your proposal data stays in your browser session.
A structured proposal
A seven-step workflow takes you from proposal basics through to a polished, lender-oriented report.
Deterministic analysis
Sources & uses, debt schedules, CFADS, DSCR and downside sensitivity — one calculation engine, one set of numbers.
Built for lender discussions
Clear financial tables, security, covenants, rationale and risks — presented the way lenders expect.
How it works
A seven-step workflow produces a professional funding proposal. The builder adapts to whether you are funding an acquisition or a general commercial requirement.
Proposal Type & Basics
Acquisition or commercial funding, amount, currency and summary.
Business & Management
The borrowing business, sector, management and, for acquisitions, the buyer.
Financial Summary
Three years of historic performance and a three-year forecast.
Funding Structure
Uses of funds, borrower, security, debt terms and CFADS assumptions.
Sources & Uses
Itemised sources and uses with automatic reconciliation and equity balancing.
Rationale
The strategic or commercial rationale behind the funding requirement.
Preview & Generate
DSCR and sensitivity preview, narrative outputs, then generate the report.
Methodology
ValuFund uses a single deterministic calculation engine for every figure — the wizard, preview and report all reconcile exactly.
Sources & Uses
Total Uses and Total Sources are always the sum of their line items. Buyer Equity can auto-balance as Total Uses minus other sources. A funding gap or surplus is always shown.
Debt schedules
Term loans and asset finance use straight-line (equal annual principal) amortisation. Invoice finance is modelled as an interest-only revolving facility.
CFADS
Cash Flow Available for Debt Service = EBITDA less corporation tax (rate × EBITDA), maintenance capex, working capital movement and other adjustments.
DSCR
DSCR = CFADS ÷ total debt service (interest plus principal) for each forecast year.
Sensitivity
A downside case applies a configurable EBITDA shock and interest-rate shock to recompute CFADS, debt service and DSCR.
One engine, one set of numbers
The historical-sample report contained arithmetic inconsistencies in its Sources & Uses totals. The rebuild makes that class of error impossible: a single shared calculation module drives the wizard, the on-screen preview, the charts and the generated report.
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Structured steps
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Accounts or logins
Funding proposal guide
What lenders typically want to understand — and how ValuFund helps you present it.
Sources & Uses
A clear reconciliation of how funding is applied (uses) and where it comes from (sources). Lenders expect this to balance.
Acquisition vs commercial funding
Acquisitions involve purchase price and vendor consideration; commercial funding covers working capital, capex and refinance.
Buyer equity
The equity contribution from the buyer or sponsor, often the balancing figure once debt and other sources are set.
Term debt & asset finance
Amortising debt with defined interest, term and principal schedule central to debt-service analysis.
Invoice finance
A revolving facility against receivables, typically interest-only within a debt-service model.
CFADS & DSCR
Cash flow available for debt service and the coverage ratio are the core of lender credit assessment.
Sensitivity analysis
A downside case showing how DSCR holds up under weaker EBITDA and higher rates.
Security & covenants
The security package, proposed covenants and conditions precedent shape lender comfort.
Risks & mitigants
An honest assessment of key risks and how they are mitigated strengthens credibility.
Frequently asked questions
Is ValuFund really free?
Yes. ValuFund is a free, browser-based utility. There is no account, login, subscription, credits or payment. You build a proposal and generate a report directly in your browser.
Do I need to create an account?
No. Proposal data exists only for the active browser session. Nothing is stored on a server and there are no saved proposals tied to a user account.
Is my financial data sent anywhere?
The calculations run entirely in your browser. If you choose to use optional AI drafting, the facts you have entered are sent to an AI service to draft narrative text only — never to perform calculations.
Does ValuFund guarantee funding?
No. ValuFund helps you prepare a professional proposal for lender discussions. It is not a commitment to lend, not an offer of credit, and not financial advice. Lenders conduct their own credit assessment.
Can I use it for both acquisitions and general commercial funding?
Yes. The workflow adapts: acquisition funding includes purchase price, vendor consideration and buyer profile; commercial funding uses appropriate borrower wording without acquisition-only concepts.
Ready to build your proposal?
Start a structured funding proposal now. Free, no account, and ready to print to PDF.