Project Finance · Bank Loan Documentation
Project finance & bank loan documentation in Surat — a proposal is only as strong as its file.
We prepare the complete project-finance file — project report, CMA data, the bank’s own forms and every supporting paper — so your proposal reaches the credit officer’s desk exactly as the bank expects. Backed by a full chartered-accountancy practice serving Surat since 2000.
What’s in the file
The complete bank file, prepared under one roof.
Banks decide on paper. An incomplete or inconsistent file is among the most common reasons a proposal gets delayed, returned or rejected. We build every part of that file — and keep the numbers consistent across all of it — so appraisal moves smoothly.
Project Report / DPR
A detailed report with projected P&L, balance sheet, cash flow and ratio analysis — built to the depth a credit officer expects for term-loan appraisal.
CMA Data
Credit Monitoring Arrangement statements for working-capital and term-loan assessment, tied consistently to your financials.
Bank Application Forms
Your bank’s own application forms and annexures, filled completely and with no gaps that send a file back.
Net Worth & Supporting Papers
Net-worth statements, financial statements and the supporting documents a proposal stands on.
Query & Appraisal Support
Clear, prompt responses to the questions raised during appraisal, so the file keeps moving forward.
Submission & Follow-up
Coordination with the branch from submission through to a sanction decision.
Built to the covenants
Every file is tested against the ratios your bank tests.
Before a proposal leaves our office, the projections are checked against the covenants lenders commonly apply. The shaded band is the range a bank looks for.
How it moves
Four steps, from first call to sanction.
Talk to us
A short call or meeting to understand the business, the purpose of the loan and what your bank will ask for.
Share documents
We hand you a simple checklist. Our digital workflow keeps collection short and organised.
We build the file
Project report, CMA data, forms and supporting papers — prepared consistently, cross-checked and made bank-ready.
Submit & follow up
The complete file reaches the bank, and we stay with it through queries until a decision.
In their words
What clients say.
All 18 reviews from our Google Business Profile, quoted exactly as each client wrote them. Hover the wall to pause and read.
Read our reviews on GoogleThe full practice
Everything a growing business needs, in one office.
Beyond project finance, a complete chartered-accountancy practice — described factually, in line with ICAI guidelines.
All servicesAccounting & Bookkeeping
Books of account, ledger scrutiny and periodic financial statements for firms, companies and professionals.
AAAudit & Assurance
Statutory audit, tax audit and other attest functions as required under applicable law.
GSTGST Compliance
Registration, periodic returns, reconciliations and related compliance under GST law.
TDSTDS & Return Filing
TDS computation, deposit and quarterly return filing, with related compliance.
ITIncome-Tax Returns
Preparation and filing of returns for individuals, HUFs, firms and companies.
REGRegistrations & Advisory
Business registrations and day-to-day advisory on accounting, tax and compliance matters.
Knowledge bank
Plain-language notes on the rules that matter.
Stock statement and drawing power: why your ₹60 lakh limit may only allow ₹54 lakh
What a stock statement is, how the bank turns it into drawing power, and a worked example of why a ₹60 lakh limit allowed only ₹54 lakh.
Oct 2026 · 5 min readThe term-loan document checklist — what a Surat bank actually asks for, and why
The term-loan document checklist, grouped by the question each paper answers, with the period each one must cover.
Oct 2026 · 6 min readThe tax audit deadline moved to 21 October — but only for some, and the tax-payment date did not move with it
Tax audit report for AY 2026-27 now due 21 October 2026 and the ITR 21 November. Who is covered, who is not, and what to do about tax payment.
Oct 2026 · 5 min read
Who prepares your file
Two and a half decades of documenting bank finance.
CA Ankit Shah qualified as a Chartered Accountant in 1999 and established the firm in Surat in 2000. A Fellow member of the ICAI, he also holds the post-qualification Diploma in Information Systems Audit — the foundation of the firm’s technology-led way of working.
Questions, answered
Frequently asked.
Have a loan in mind? Let’s look at the file.
One short call is usually enough to tell you what your proposal needs and how long it will take.