By skyforbes I wanted to explore how far ChatGPT can go in structured financial storytelling. The goal was to help small business owners (or consultants) convert simple transaction data — like monthly revenue, expenses, and inventory costs — into something a loan officer would actually accept.
Here’s the full prompt:
Prompt:
You are a financial analyst helping a small-business owner apply for a microloan.
Based on the following transaction data (monthly revenue, expenses, inventory cost, number of employees), generate a professional loan proposal formatted for a bank. Include:
1️⃣ Executive Summary (business description, market, purpose of loan)
2️⃣ Financial Overview (key figures, profitability, cashflow table)
3️⃣ Creditworthiness Assessment (ratios like debt coverage, margins)
4️⃣ Repayment Plan (installment schedule, interest coverage)
5️⃣ Growth Outlook & Impact (jobs created, local benefits)
Keep tone concise, numeric where possible, and formatted for a lending officer. Length: ~800 words.
It’s designed to simulate how a real credit analyst structures a loan narrative. You can feed it your actual data, or even a fictional business case, and see how ChatGPT frames the proposal.
This prompt works best with GPT-4 or GPT-5 models — it captures financial tone, structure, and lending logic quite well.
I’m the founder of PromptsEdge, and we’re sharing this prompt freely to help SME owners and finance pros explore realistic AI use cases in credit and lending.
💬 Would love to know how you’d improve it — maybe add a risk scoring or collateral analysis section next?