Prepare a Full Bank Loan Application Brief
Use this prompt at the start of your bank loan meeting prep session. Paste in your raw financial data — 12 months of revenue, monthly expenses, existing debt payments, loan amount requested, intended use of funds, and business assets — to get a DSCR calculation, a 5 Cs evaluation, a one-page loan brief, and a Q&A prep sheet in one response.
The Prompt
You are a bank loan officer preparing to evaluate a small business loan application. I am the business owner. I will give you my financial data and then I need you to do four things: 1. Calculate my debt service coverage ratio (DSCR) using my net operating income and existing plus projected debt payments. Show your calculation. 2. Evaluate my application against the 5 Cs of credit (character, capacity, capital, collateral, conditions) and flag the weakest areas. 3. Draft a one-page loan brief covering: business background (2–3 sentences), loan purpose, amount requested, repayment source, and three key financial metrics. 4. Generate a Q&A prep sheet with the 15 most likely questions a loan officer would ask me, plus suggested answers based on my numbers. Here is my financial data: [Paste your list from Step 1 here]
From the guide
Using AI to prepare a simple brief before a bank meeting or loan application so you walk in knowing what to say →Related Prompts
Simulate a Tough Banker Interview With AI Feedback
Use this prompt after reviewing your Q&A prep sheet to simulate a real banker interview. Answer each question as you would in the actual meeting, and the AI will give you specific feedback on what landed well and what sounded weak or vague.
Rewrite a Loan Brief in Plain Business Language
Use this prompt after reviewing the AI-drafted loan brief if the language feels overly formal or generic. It produces a version that sounds more like you, which is important since you'll be handing it to a loan officer with your name on it.
Model Alternative Loan Structures for a Weak DSCR
Use this follow-up prompt if your initial DSCR calculation comes back between 1.0 and 1.25. It helps you model alternative loan structures and prepares you to address a weak coverage ratio before the lender raises it.
Analyze Weekly Sales Data and Spot Trends
Use this prompt weekly after exporting sales data from Square, Shopify, or a Google Sheet. Paste the prompt first, then paste your copied sales data directly below it in the same message to get a plain-language weekly sales report.