Sources of Funding
Here you record where the money comes from to cover Necessary Investments and the first months of operation — own capital, investors, financing, among others.
What it's for
Having a list of necessary investments is useless if it's not clear where the money to cover them comes from. This exercise helps you assess whether the sources you have (or intend to seek) add up to enough to cover startup costs and sustain the business until revenue stabilizes.
Registering a source
Use the green + button to add a source manually. Choose the Source of Funds from six options — Own Capital, Crowdfunding or Donations, Loans or Financing, Investor, Grant, or Other Sources — along with Name, Value, and Entry Date.
Val's Suggestions
Val can suggest plausible sources of funds based on what the business needs (e.g., own capital or investor contribution). It follows the same pattern as other exercises in this stage — see the article Val's Suggestions.
Composition of Funding Sources
A donut chart shows the proportion between the registered funding sources, along with the Total Funds summed up. Immediately below, the Funds Flow table shows, month by month, how much comes in from each source — this exercise's projection table.
Loan Repayment Simulation
When you register a source of the type Loans or Financing, extra fields specific to this type of source appear:
Number of Installments and Grace Period (in months) — how many installments the financing has, and for how many initial months only interest is paid, without amortizing the principal.
Annual Interest Rate (%).
Amortization Plan — SAC, SACRE, or Price, the three available amortization systems.
With this data, the page automatically generates a complete simulation in the Loan Repayment Simulation section: a summary (financed amount, total term, grace period, annual and monthly interest rate, amortization system, total effective cost, total interest, and total amount to pay) followed by a month-by-month Loan Payment Table, with installment, interest, amortization, and outstanding balance — also marking the grace period months separately.
This simulation is not isolated: the interest and amortization of each financing automatically enter the Income Statement (as Financial Result) and the Cash Flow (as Debt Service).
Tips
Register financing here, not in Expenses — only then will Vibz calculate the complete payment simulation (interest, amortization, outstanding balance) and automatically integrate it into the Income Statement and Cash Flow.
Compare the three amortization systems before deciding: SAC has decreasing installments with constant amortization; Price has fixed installments; SACRE is a variation of SAC common in housing financing. The total interest paid changes significantly between them.
If the Total Funds are below the total Necessary Investments, it's a sign that there's a lack of funding sources or that the investment plan needs to be reviewed — don't wait for the Cash Flow to find this out.