Adnoddau ar gyfer pobl sydd yn derbyn mentora
Adnoddau ar gyfer mentoriaid
Adnoddau eraill
Gwybodaeth Defnyddiol
Regional events

Sut i gwblhau cais benthyciad am arian

Mae’r rhestr yma yn giplun defnyddiol o’r pethau fydd angen i chi ddangos ac o bosib wrth wneud cais i fenthyg arian. Mae’r rhain yn ofynion safonol - efallai bydd banciau unigol yn rhoi cyfeiriadaeth fwy manwl i’ch helpu chi i baratoi cais i fenthyg arian, felly dylech wirio pa wybodaeth ychwanegol sydd angen arnoch. Ond mae’r rhestr wirio yn gychwyn da.

Please note that banks may not ask for all of the information listed below in every case. For example, if you are an existing customer a bank might not ask you for a business plan. If you are interested in applying for finance you should go through the checklist and tick the boxes to double check that you have gathered all of the standard information you might need, before starting your lending application.

New and Existing Customers Start Ups
First, outline what you need
State how much you would like to borrow – because the bank needs to quantify your request   State how much you would like to borrow – because the bank needs to quantify your request  
State why you would like the finance – so the bank can check it is for a suitable business purpose and decide which type of finance best suits your needs   State why you would like the finance – so the bank can check it is for a suitable business purpose and decide which type of finance is best suited to your needs  
State how long you would like the finance for – the bank needs to know the term of the loan to help assess affordability and ensure the right finance is suggested for your business needs   State how long you would like the finance for – the bank needs to know the term of the loan to help assess affordability and ensure the right finance is suggested for your business needs  
Next, demonstrate your financial viability. This enables the bank to assess your ability to repay the loan. You need to provide:
Your management accounts   Your cash flow forecast  
Your cash flow forecast   Any assets  
Any assets   Your business plan

  
Your business plan    
Any historic accounts  
Finally, disclose any information that might help your application
Profile the owner and/or management team – this helps the bank assess your capabilities   Profile the owner and/or management team – this helps the bank assess your business capabilities and experience  
The owner’s investment in the business – this shows the owner’s investment relative to the bank’s proposed investment   The owner’s investment in the business – this shows the owner’s investment relative to the bank’s proposed investment  
Whether or not security is available – this shows whether you have security to support your proposal   Whether or not security is available – this shows whether you have security to support your proposal  
Other business interests – this allows the bank to assess any other commitments you have