What’s covered
- CMA data for new and renewal OD/CC (working capital) limits — past financials, current-year estimates and two to five years of projections in the standard bank format, with assumptions documented and defensible.
- Project reports for term loans — machinery, commercial property, business expansion — including cost of project, means of finance, repayment schedule and viability ratios.
- MSME and government-scheme documentation (Udyam-linked loans, Mudra and similar), where the paperwork is simpler but the formats are strict.
- Provisional and projected financial statements, net-worth certificates, and turnover certificates that banks and contract tenders routinely demand.
- Banker queries: when the credit team comes back with questions, the responses and reworked sheets are handled — not left to you.
Who uses this
Contractors needing working-capital limits against running bills, traders renewing CC limits, small manufacturers buying machinery, and businesses formalising for their first significant bank facility.
What to send
Last 2–3 years’ financials (or returns), the bank’s requirement letter/checklist, and a description of the business and the limit sought. A realistic assessment of what the numbers support comes first — before the documentation is built.