How can an IT support firm show a lender that its monthly service plans are reliable?

Build a simple table. For each plan, show the client, what it covers, how it renews and how long the relationship has lasted. Mark any contracts that are month to month and any that have ended. Lenders read honesty better than polish.

Then show the money. Match the plan list to your bank deposits so the lender can see that billed amounts turn into cash. Include late payers and what you did about them. Explain any credits or discounts you have given and why. Keep the package tidy and consistent. Dates, names and totals should match across every page, because a lender who finds one mismatch will start doubting the rest of what you submit.

Address concentration directly. If one or two clients make up a large share of income, say so and describe how you would cope if one left. Also explain what the monthly plans cost to deliver, since the lender will want to see that the service is sustainable. Last, tie it to your plan. Show how the recurring income supports the repayment you are asking for, and what you would do in a weak stretch. Your accountant can help you prepare the statements so the figures reconcile, and can explain what lenders usually request.

Key takeaways

• Present each plan with client, scope, renewal terms and relationship length.
• Match billed amounts to bank deposits so cash arrival is visible.
• Say plainly how reliant you are on your largest clients.