Why a deal summary helps
A reviewer looking at bank statements sees your past. A deal summary shows why you need funds now and how they come back. Without it, a sudden request for a large amount can look like a cash problem. With it, the same request reads as a planned purchase with a clear payback, which makes it easier to evaluate.
Writing it also tests the deal. If you cannot explain in a page how the purchase turns into revenue before payments end, that is worth knowing before you borrow.
What to include: the one-page format
Keep it short and factual. Reviewers need the essentials, not a sales pitch. Use plain numbers from your records and the seller documents, and flag assumptions clearly. Seven items cover nearly every opportunity, whether it is a closeout, a large order, an auction or a lease.
- What you are buying: items, quantity, condition or equipment details.
- From whom: the supplier, auction house, customer or landlord.
- Price vs. normal: the deal price and your usual cost.
- Deadline: when payment is due and why.
- Amount requested: how much you are funding and how much you are covering from cash.
- Path to revenue: where and how fast it sells or earns.
- Risks and plan B: what you will do if it sells slower.
Show the path to revenue
This is the section reviewers care about most. Use your own sales history: how many similar units you sold last season, at what price, through which channels. For equipment, explain the work it will do or the cost it will save. For a large order, show customer payment terms and when payment should arrive.
- Past sales of the same or similar products
- Channels you will sell through
- Expected weeks to sell through
- Customer payment terms for orders
- Revenue or savings from new equipment
Be honest about risks
A summary that admits risk reads as more credible, not less. Note what could slow the deal: seasonality, product condition, customer concentration, freight timing. Then add your plan: selling to wholesale buyers, marking down in stages, or covering payments from normal revenue. Reviewers see many requests; a realistic owner stands out.
Before you write this section, run the numbers in closeout financing or bulk purchase funding to see a slower-sales case.
Attach the right documents
The summary points to proof. Attach the seller offer or quote, the purchase order, auction listing, lease offer or equipment details, along with your bank statements and standard documents. Label everything clearly so the reviewer can match each claim in the summary to a document.
- Supplier quote, offer or proforma invoice
- Signed purchase order and customer terms
- Auction listing and terms
- Lease offer or letter of intent
- Sales reports for similar products
See the full documents checklist.
Common mistakes to avoid
The most common mistakes are overstating the upside, requesting more than the deal needs, leaving out existing funding, and changing the story midway through review. Keep numbers consistent with your statements, request only what the opportunity requires, and if terms change, send an updated summary right away rather than letting details drift.
- Projecting best-case sales as the plan
- Requesting a round number larger than the deal
- Omitting existing funding payments
- Pages of detail with no clear answer to the basic questions
- Not updating the summary when terms change
Frequently asked questions
What should a use-of-funds summary include?
What you are buying, from whom, the price compared with normal cost, the deadline, the amount requested and what you cover from cash, the path to revenue, and your plan if things sell slower. One page is usually enough.
Should I include my sales plan for the goods?
Yes, briefly. Show where and how fast the goods will sell, backed by your own past sales where possible. This is the part that explains how the funding will be repaid, so it matters more than any other section.
Do funders contact my supplier?
Some may verify details, especially for equipment purchases or larger requests, while others rely on your documents. Let your supplier, auction house or landlord know a funding review is in progress so a verification call does not surprise anyone, and make sure the contact details you provide are current.
What if the deal terms change after I apply?
Send an updated summary and documents right away. Changed quantities, prices or deadlines can affect the review and any offer, and mismatched paperwork can delay signing. Keeping your funding partner informed, even about small changes, keeps the file accurate and avoids surprises when the agreement is prepared.
How much detail is too much?
If the key facts are not visible within a minute of reading, there is too much. Keep the summary to one page, covering what you are buying, from whom, the price, the deadline, the amount and the path to revenue, and attach supporting documents separately. A reviewer can always ask for more.
Deal summary ready?
Apply online and include your summary so our funding partners can review the opportunity.
Updated September 14, 2026 · Prime Funding Now Funding Team