Only use an accurate account of qualifying commitments and the actual investing structure. Anticipated spending is not automatically invested capital.
Reconcile the budget after governance is settled
Separate amounts paid, commitments under review and discretionary funds. Show professional fees, government charges and household costs outside the business capital calculation. A larger combined projection does not establish substantiality or cure a nationality problem. The business forecast should also reflect the approval rights that can delay or prevent spending.
Funds and assets irrevocably committed to the enterprise and genuinely exposed to loss, including a purchase price paid or held in escrow for release, unrecoverable start-up spending, and equipment bought outright. A dealership with a purchase price, working capital and initial inventory requirement of several hundred thousand dollars would generally expect the buyer to have committed most of that amount, whereas a very large business can qualify with a smaller proportion. Work out the qualifying figure by identifying the borrower, the collateral described in each security instrument, any financing statement filed against the company, and the payment terms; then reconcile the buyer's own cash against the financed balance without counting a dollar twice.