Business Loans & Credit Lines - what to submit to us

To present a loan request for our consideration, please ensure that you provide the full set of required documents (detailed below). 

Incomplete submissions cannot be processed. 

Kindly upload the documentation to OneDrive or Dropbox and share the download link with us. Thank you!

Analysing and verifying your loan request requires a comprehensive approach that encompasses various aspects of the project, its feasibility, business plan, etc. Below is a detailed questionaire that should be sent to us to conduct a thorough risk analysis.

Initial Questionnaire for Companies Applying for a Loan

A. Company Identity and Legal Status Verification

1. Full Registered Company Name:
2. Trade Name(s) (if different):
3. Date of Incorporation/Registration (DD/MM/YYYY):
4. Place of Incorporation/Registration:
5. Type of Legal Entity (e.g., LLC, Ltd., PLC, Corporation):
6. Company Registration Number (provide certified incorporation documents):
7. Registered Office Address (verified via official documentation):
8. Principal Place of Business (if different from Registered Office):
9. Tax Identification Number or Equivalent:
10. VAT Registration Number (if applicable):
11. Official Company Contact Details (Telephone, Email, Website):

B. Ownership and Management Structure

1. Detailed Shareholder Information:
   • Full Names of all Shareholders (attach official IDs):
   • Percentage Ownership by Each Shareholder:
   • Ultimate Beneficial Owner(s) (attach documentation verifying UBO):
2. Board of Directors Information:
   • Full Names (attach official IDs and CVs):
   • Positions Held within the Company:
3. Management Team:
   • Full Names and Positions (attach CVs and references):

C. Financial Information and Performance Verification

1. Audited Financial Statements (Balance Sheets, Income Statements, Cash Flow Statements) for last 3 Years (better 5 Years).
2. Latest Interim Financial Statements (if applicable).
3. Bank Statements for the Past 12 Months:
4. Current Company Credit Reports from Relevant Credit Bureaus:
5. Tax Compliance:
   • Submit Corporate Tax Returns for the Last 3 Years:
   • Provide Documentation Proving No Outstanding Tax Liabilities:
6. Detailed Annual Financials:  

    - Last 5 years' audited financial statements.  

    - Breakdown of revenue, costs, profits, and margins.  

 7.   Key Financial Ratios (calculated for the last 3 years):  

    - Debt-to-Equity Ratio:  
    - Current Ratio:  
    - Interest Coverage Ratio:  
    - EBITDA Margin:  
    - Asset Turnover Ratio:  
 8. Cash Flow Statements:  
    - Actuals (last 3 years).  
    - Projections (next 3–5 years).  

D. Asset and Liability Declaration

1. Detailed Asset Listing:
   • Real Estate Holdings (attach valuations, title deeds):
   • Machinery and Equipment (attach valuation and ownership proof):
   • Movable Assets (e.g., vehicles, inventory).
   • Receivables and Cash Flow Assignments.
   • Financial Assets (e.g., shares, bonds, mutual funds, bank balances):
   • Intellectual Property (patents, trademarks, copyrights—attach registrations):
2. Detailed Liability Listing:
   • Existing Loans and Credit Facilities (attach agreements, terms, and repayment schedules):
   • Outstanding Obligations to Suppliers (attach relevant statements):
   • Tax Obligations (attach assessments and payment schedules):
3. Independent Valuation Reports (mandatory for all collateral):
4. Third-Party Guarantees (if any):
   • Name and rating of guarantor.
   • Legal agreements supporting guarantees.

E. Business Operation and Revenue Verification

1. Nature and Detailed Description of Core Business Activities:
2. Number of Employees:
3. Main Markets Served (Domestic/International):
4. Key Customers (provide top five clients and percentage revenue contribution):
5. Key Suppliers (provide top five suppliers and percentage procurement share):
6. Monthly Revenue (attach revenue reports/statements for the past 12 months):
7. Revenue Diversification (provide percentages by market segments):

F. Financing-Specific Questions

1. Exact Amount of Financing Requested:
2. Explicit Purpose of the Financing:
   • ☐ Working Capital (provide cash-flow projections):
   • ☐ Equipment or Asset Acquisition (attach proforma invoices and contracts):
   • ☐ Expansion/Project Financing (submit detailed project proposal and feasibility study):
   • ☐ Debt Refinancing (provide details of existing debts to be refinanced):
   • ☐ Other (specify clearly and attach supporting documentation):
3. Proposed Financing Term and Preferred Repayment Schedule:
4. Desired Loan Tenor (specify duration in months/years): 

G. Risk and Debt Servicing Capacity

1. Monthly Debt Servicing Capacity (attach supporting cash-flow forecasts):
2. Current Debt-to-Equity Ratio (provide calculation and documentation):
3. Historical Record of Debt Repayment (attach evidence of past repayments):
4. Stability and Predictability of Revenue Sources:
5. Projected Financial Growth and Justifications (based on market studies and business strategy):
6. Key Operational Risks (explain and provide mitigation strategies)
7. Industry Risks (document external risks affecting the business):
8. Contingency Plans (provide evidence of crisis response planning).
9. Existing Insurance Coverage (attach copies of policies).

H. Mandatory Documentation Requirements

• Certified Company Registration and Incorporation Documents.
• Valid IDs of Directors, Shareholders, and Ultimate Beneficial Owners.
• Proof of Registered Address (utility bills, lease agreements).
• Audited Financial Statements (last 3 years).
• Recent Interim Financial Statements.
• Bank Statements (last 12 months).
• Corporate Tax Returns (last 3 years).
• Comprehensive Asset and Liability Documentation.
• Business Plans and Financial Projections (for expansions or projects).
• Relevant Market Studies or Industry Reports (supporting revenue forecasts).