5. Prepare sole trader statement

5.2. Sources of capital for sole trader are established

Sources of Capital for a Sole Trader

Capital is the money or resources that a sole trader invests in their business to start operations and support growth. For a sole trader, the owner and the business are legally considered the same entity, so all capital comes from the owner or external financing.


1. Main Sources of Capital

1.1 Owner’s Personal Savings

  • The most common source of capital for a sole trader.

  • Money saved personally by the owner and invested into the business.

  • Accounting Treatment:

    • Dr Cash/Bank

    • Cr Capital Account


1.2 Retained Profits

  • Profits from previous periods that are reinvested into the business.

  • This is internal financing.

  • Accounting Treatment:

    • Dr Cash/Bank

    • Cr Capital/Retained Earnings


1.3 Loans and Borrowings

  • Funds obtained from external sources such as banks or friends.

  • Usually short-term or long-term debt.

  • Accounting Treatment:

    • Dr Cash/Bank

    • Cr Loan/Bank Loan Payable


1.4 Sale of Personal Assets

  • The owner may sell personal property (e.g., car, equipment) and use the proceeds as capital.

  • Accounting Treatment:

    • Dr Cash/Bank

    • Cr Capital Account


1.5 Contributions from Family or Friends

  • Financial support from family or friends in exchange for a share of profits or as a loan.

  • Accounting Treatment: Similar to loans or capital injection.


2. Key Points

  • Sole trader capital is primarily from the owner.

  • Capital can be in the form of cash, assets, or other resources.

  • The amount of capital determines the size and operations of the business.

  • All capital contributions are recorded in the Capital Account in the ledger.


3. Short Exam-Ready Summary

Sources of capital for a sole trader include:

  1. Owner’s personal savings

  2. Retained profits from the business

  3. Loans or borrowings from banks or friends

  4. Sale of personal assets

  5. Contributions from family or friends

Accounting treatment: Increase cash or assets debit, increase capital or loan credit.