Professional CMA Reports, Credit Analysis, EMI Planning & Loan Readiness Documents — prepared by credit experts who think like bankers, not generic accountants.
It's rarely about creditworthiness. It's almost always about how the case is presented to the bank's credit committee.
Unrealistic turnover growth and unsupported assumptions immediately reduce banker confidence. Credit officers are trained to spot these in minutes.
Missing ratios, absent repayment schedules, and unaddressed cash flow gaps create repeated bank queries that delay sanctions for months.
Strong businesses with genuine repayment capacity lose out simply because their loan proposal fails to communicate that capacity clearly.
This isn't just about formatting. It's about how a banker reads your proposal — and whether they say yes.
Every deliverable is designed with one audience in mind — the bank's credit officer reading your file.
3–5 year financial projections covering Projected P&L, Balance Sheet, Cash Flow, and Fund Flow Statements — prepared in your bank's exact required format. Not a template. A tailored credit document.
Core DeliverableDSCR, Current Ratio, TOL/TNW, Debt-Equity — every ratio a credit officer will scrutinise, calculated and presented with context.
Maximum Permissible Bank Finance (MPBF) calculation and working capital gap analysis using the Tandon Committee method.
Future repayment assessment mapped against projected cash flows — shows the bank your business can comfortably service the loan.
A plain-language summary that highlights your strengths, addresses potential banker concerns, and positions your application for approval.
We stay available through your entire loan process — answering bank queries, providing clarifications, and handling any revision requests.
Included FreeSix steps. Twelve hours. Your complete CMA report — ready for the bank.
Industry-specific benchmarks and ratios are incorporated into every report — making your application more credible to the bank's credit committee.
Every case handled differently. Every proposal built for the specific bank's credit committee.
One payment. Complete loan-ready documentation. Bank query support included at no extra cost. Pay per engagement — no subscriptions.
Same professional CMA report at a lower price — best for businesses confident in their documentation, with limited follow-up support.
For businesses renewing an existing working capital facility, term loan, or both — with the same bank.
For fresh term loan applications, or businesses seeking enhancement of working capital and/or term loan limits — covers it all.
Get a professionally prepared CMA Report, Credit Analysis, and Loan Readiness Package — built by credit experts who understand what banks actually approve.