In short
A lender reads your cash flow projection to answer one question: will there be enough cash, every month, to make the repayment?
The projection that answers it runs month by month for at least three years, in Guyana dollars, and is built from real counts and real prices. It shows every repayment, the point where sales cover costs and the loan, how much cash is left after each instalment, and what happens if sales fall, costs rise or the start is delayed.
What goes in every month
- Units sold and the price of each, from your own records or counts, never a percentage guessed from the size of the market.
- Sales received in cash in the month you are actually paid, not the month you sell on credit.
- Direct costs, the materials and stock each sale uses.
- Running costs: rent, wages, NIS, electricity, transport, licences.
- What the owner takes out to live on. A plan that leaves this out is not a plan a lender believes.
- Loan money in, and each repayment out, including any loan you already have.
- Cash at the end of the month, carried into the next.
What a loan officer checks
- No month ends below zero. One negative month is a missed repayment waiting to happen.
- Break-even: how many sales a month cover every cost, the owner's drawings and the repayment.
- Repayment cover: cash available for the repayment, divided by the repayment. We work to at least 1.25, which is our own standard, not a rule the Bank has published.
- Stress tests: the same 36 months re-run with sales 20% lower, costs 15% higher, and the start delayed three months.
- Evidence: every figure traced to something you can show, from stock counts to supplier quotations.
Where projections usually go wrong
Yearly totals instead of months, so a slow season hides inside a good year. Sales that start in full on day one. Set-up costs and the owner's own living costs left out. An existing loan forgotten. And figures that cannot be traced back to anything, which is the first thing a lender tests.
The Guyana Development Bank has announced loans of up to G$3 million with no interest and no collateral, and co-financing of up to G$7 million more from commercial lenders, which may charge interest. Where the Bank has not yet published a term, such as its repayment period, the projection states the assumption it uses rather than inventing a rule.
Questions owners ask
How many years should a cash flow projection cover for a Guyana Development Bank loan?
Plan for at least three years, month by month. The Bank has not published a required period. Three years shows the repayments running and the business settling; monthly detail shows the slow months a yearly total hides.
Can I use a template from the internet?
You can, but most are built for other countries: US dollars, US tax, and annual figures. A lender here reads Guyana dollars, local costs such as NIS, and months. What matters is that every figure is yours and can be shown.
What is a good repayment cover?
We work to at least 1.25: for every G$1 of repayment, G$1.25 of cash available to pay it. That is our own standard, not a published Bank rule. Below 1.0 the business cannot make the repayment from its own cash.
Do I include the money I take out for myself?
Yes. A lender knows the owner has to live. Leaving it out makes the business look stronger than it is, and the gap shows up later as a missed repayment.
Can EICCIO Advisors prepare the projection for me?
Yes. It is part of every business plan we prepare: see how we prepare the plan. You approve every figure, and you sign and submit your own application. No one can promise a loan: the lender decides.
Last checked against these sources on 17 September 2026: Department of Public Information, 14 September 2026; Department of Public Information, 29 July 2026; Guyana Chronicle, 17 September 2026.
See also: Business plan for a Guyana Development Bank loan · What you need to apply
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