The amount you must spend may differ from the cost recognised by a scheme. Prepare separate columns for total project expenditure, proposed eligible expenditure and the authority's eventual assessment. Do not present an assumed assistance percentage as a guaranteed deduction from the amount needed to start.
Build a cash plan using the lender's actual terms and the scheme's verified release conditions. Include delay scenarios and a case without assistance. Ask a qualified finance professional to review repayment ability and funding gaps. A positive annual surplus does not ensure that cash is available on each instalment date.