OUR MOTTO : To be the preferred name in the field of Business Loan Advisory & Credit Rating Advisory

Documents requisites for Business Loan & Credit Rating

Credit Rating Advisory

Business Loan Assistance

• Company profile which covers Promoters profile, product/service profile, key management,

• Audited Financials for 5 Years with Schedules

• CMA - CMA report also known as Credit Monitoring Arrangement report is the report showing the projected performance and the past performance of a business in financial terms.

• CC(Cash Credit) Utilization for 1 year.

• Bank Sanction Letters for all the banks.

• Details of any previous ratings either accepted or unaccepted from any of the Credit rating agency

• Company Registration Documents – MOA, AOA, and Certificate of Incorporation.

• Government Approvals & Registrations – Required for setting up the new unit (e.g., SSI Registration, Factory License, Labour License).

• Environmental Clearance – MPCB consent to establish the unit.

• Statutory Registrations – GST, PAN, TAN, etc.

• Other Approvals & Permissions – Includes BIS License, Factory Permission, and any additional regulatory requirements.

• Land Documents – NA permission, sale deed copies, tax receipts, etc.

• Architectural Plans & Civil Work Estimates – Detailed building and infrastructure cost projections.

• Building Permission – Approval from the competent authority.

• Construction Costs – Expenses incurred and estimated future costs.

• Additional Construction Costs – Includes boundary wall, water supply, security cabin, etc.

• Utilities Applications – Power and water supply requests, along with existing arrangements.

• Manpower Planning – Workforce requirements and sourcing strategies.

Finance Madad provides comprehensive credit rating advisory services. We offer highly specialized and rare skills developed from over many years of experience in the field of Credit rating. We enable clients to tap that exclusive level of financial expertise on a customized, dedicated, deal independent and cost-effective basis.

Finance Madad is one of the most trusted partners to help you get business loans. We help you get trusted lenders with a transparent process and excellence at every step. We negotiate the best interest rates and low processing fees for you with the lender. Our experienced Debt Advisory Services professionals can help achieve the best possible outcomes in analysing, structuring and executing across the entire spectrum of debt products.

1. ) Manufacturing Companies: Required Documents for Financial Assistance for the Manufacturing Unit:

Requirements of document to assess the initial loan eligibility differs from sector to sector. Each business may also have different debt structure. Likewise the need of documents may vary.

2. ) EPC/Contract Companies

3. ) Real Estate Companies

Legal Documents

• Plant & Machinery – List of items to be purchased/installed with three quotations, supplier details, selection reasons, lead time, estimated cost (including taxes/duties, handling charges), and advance payment (if required).

• Imported Machinery – List with payment terms, delivery lead time, and import L/C assessment.

• Electrical Equipment – Includes panels, transformers, cables, switches, DG sets, etc., with three quotations, supplier details, selection reasons, lead time, estimated cost, and advance (if applicable).

• Other Equipment – Includes pollution control systems, laboratory/testing instruments, material handling (cranes, forklifts), and office equipment (furniture, computers, etc.), each with three quotations, supplier details, selection reasons, lead time, estimated cost, and advance (if required).

• Promoters/Directors Profile – Bio-data, experience, and details of existing & new directors.

• KYC Documents – For all promoters and directors.

• Income Tax Returns – Last three years' IT returns for promoters/directors.

• Income Details – Promoters/partners’ income for the last financial year.

• Existing Loans – Details of loans availed by promoters/directors with repayment history.

• Associate Concerns – KYC, constitution documents, financials, last three years' IT returns, last year's GST returns, bank sanction letters for term loans/working capital, details of other loans, last six months' bank statements, marketing arrangements, major customers, and order bookings

Plant & Machinery and other equipments:-

Promoters & Associate Company Details

1. ) Manufacturing Companies

Manufacturing, Marketing Process & Support Facilities:

• Production Capacity – Maximum capacity and expected operational levels.

• Operating Process – Overview, waste disposal methods, and environmental considerations.

• Material Requirements & Sourcing – Item-wise stock needed for breakeven, market credit availability, and key suppliers with purchase terms.

• Quality Control & Certification – Special technical arrangements for quality assurance, including ISO, TS, or other certifications.

• Marketing & Export Potential – Sales strategy, export opportunities, debtor realization period, major expected customers, and any tie-ups, LOIs, or export contracts.

• Operating Cost Breakdown – Detailed item-wise cost analysis.

• Working Capital Justification – Based on projected operational levels.

• Resource Availability – Power, water, skilled and unskilled manpower.

• Pricing & Profitability – Selling price and profit margins for each product.

2. ) EPC/Contract Companies: Required Documents for Financial Assistance for the Contractor:

Legal Documents

• Company/Firm Registration Documents – MOA, AOA, Certificate of Incorporation, Partnership Deed.

• Statutory Registrations & Licenses – GST, PAN, TAN, Shop & Establishment License, Labour License, ISO certification, departmental registrations, and other necessary approvals for contract work.

• Key Personnel Details – List of Directors, Guarantors, and Shareholders with KYC documents and ROC search.

Promoters & Group Companies

• Personal & Financial Documents – PAN card, residential proof, bio-data, net worth certificate, income tax returns, profit & loss account, and balance sheet (with schedules) for all promoters, directors, and guarantors for the last three years.

• Business Overview & Expansion Plans – Technical note on existing business activities of all group entities and future plans for new projects or expansions.

• Financial Records of Group Concerns – Income tax returns, profit & loss account, and balance sheet (with schedules) for the last three years.

• Banking & Loan Details – Banking information of all group concerns, including sanction letters for existing loans/facilities, repayment track record, and current outstanding balances.

Banking & Financial Details:

• Latest Bank Sanction Letters – Including terms, conditions, and last renewal details.

• Bank Statements – Last one year’s statements (soft copy if voluminous).

• Bank Guarantees – Details of issued guarantees, categorized by bank.

• Equipment Financing – Existing loans, repayment track record, and future obligations.

• Collateral Assets – Offered to banks, with current valuation and legal search status.

• Latest Stock Statement – Submitted to banks.

• Bank Relationship Managers – Contact details, including mobile numbers.

• Pending Bank Documentation – Charge creation, legal issues, and reasons for any delays.

• Proposed Collateral Securities – Valuation, property ownership details, and CIBIL reports.

• Fund Flow Statement – Expected receipt and utilization of project funds.

• Financial Assistance Justification – Required funding amount with expected terms & conditions.

Business Related Details:

• Company Overview – Description of operations, growth trajectory, and future action plans.

• Order Bookings – List of existing orders, work completed, balance work, and major ongoing projects.

• Completed Major Contracts – List of successfully completed contracts and large work orders.

• Upcoming Work Orders – List of potential contracts based on tenders already participated in or under consideration.

• Assets – List of plant, machinery, and other fixed assets owned by the company.

• Stock/Debtors/WIP Holding Period – Average holding periods.

• External Ratings – If applicable.

• Financial Statements – Balance sheet, profit & loss account with schedules, directors' report, notes, 3 CA/CD reports, and income tax assessments for the last three years.

• GST Returns – Latest 12 months’ GST returns.

• Statutory Payment Delays – If any delays in payments, with reasons.

• Advance Tax Payments – Income tax paid and TDS for FY 2019-20.

• Current Year Performance – Position up to 31/07/2019, and justification for achieving projected turnover.

• Financial Projections – Projections for the current and upcoming two years with justifications based on present trends.

• Competitor Analysis – Key competitors, with details if available.

• SWOT Analysis – Company’s strengths, weaknesses, opportunities, and threats, along with any significant achievements, awards, or technical know-how that give the company a competitive edge.

3. ) Real Estate Companies: Required Documents for Financial Assistance for the Real Estate Projects:

• Land Area – Total area of the proposed project in square feet.

• Land Ownership – Is the land purchased, under a joint venture, or otherwise?

• Mortgage Position – Can the entire land be mortgaged in favor of the bank, along with personal guarantees from all landowners?

• Land Value – Current value of the land to be mortgaged with the bank.

• Building Details – Type of buildings to be constructed, including area in square feet, number of flats, current status, approximate expenditure to date, tentative completion plan, additional funding needed, and loan requirements.

• Commercial Building Status – If applicable, details of commercial buildings in terms of square feet/area, current status, amount spent to date, tentative completion plan, further expenditure needed, and loan requirements.

• Technical Specifications – Approved building plans with quantities, rates, and costs for each item, validated by an architect.

• Expenditure & Loan Requirement – Total expenditure incurred to date, detailed bifurcation, remaining expenditure for project completion, projected cash flow, and loan requirements, along with promoter contributions.

• Project Completion Timeline – Period for completion of the project, including customer payments.

• Booking Details – Any booking amounts received to date, including names, flat/space type, building details, amount paid, percentage of total cost, and schedule of future payments.

• Government Clearances – NA permission, latest sanctioned map, and clearances such as fire NOC, pollution control, etc.

• Statutory Documents – MOA, certificate of incorporation, partnership deed, PAN/TAN, service tax, sales tax, and other statutory approvals.

• Personal Documents – PAN, income tax returns, and address proof for directors, partners, promoters, and guarantors for the last three years.

• Collateral Securities – List and tentative value of collateral securities available, aside from the project.

• Sales Consideration – Total sales expected from the project, based on prevailing market rates.

• Group History – Brief history of the group, including details of promoters, number of projects completed, nature of projects, area, location, total realizations, ongoing projects, properties on lease/rent, and future plans.

• Other Businesses – Any additional businesses run by the promoters, including names of the concerns.

• Previous Loans – Details of loans availed from other banks for ongoing projects, along with repayment history and financial strength of the group based on earlier projects.

We have broadly categorized the need of documents for following sector:

The required documents for credit ratings vary by industry. Additional documents beyond the basic list below may be requested during the initial screening process as part of the USP assessment.

USP - Unanimous Screening Proposition

At Finance Madad, we have introduced for selective few businesses a special scheme called "USP" wherein which we will offer the client a "No win no Fee" guarantee. this offer will only be applicable if the client complies with all the information requisites prior hand and there should not be any ambiguity in the information provided.

Please note that this offer only guarantees the waiver on the consultancy fees that the Finance Madad charges . All other fees for processing of Credit Ratings or business loan remains applicable.