The specialty
Bank-ready project finance, prepared end to end.
A term-loan proposal succeeds on paper. We build every part of the file — project report, CMA data, the bank’s own forms and the supporting statements — and keep the numbers consistent across all of it, so the file reads exactly the way a credit officer expects.
What’s in the file
Six parts, one consistent story.
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.
The covenants, in plain language
The ratios your appraisal will test.
Every projection we build is solved so these sit at or above the levels an MSME term-loan appraisal looks for — and we explain what each one means for your business.
Current Ratio
≥ 1.00Current assets cover current liabilities — the business can meet its short-term obligations.
DSCR · average
≥ 1.20Across the loan term, cash generated comfortably covers repayment of principal and interest.
DSCR · minimum
≥ 1.00Even in the tightest single year, the business can still service the loan.
Interest Coverage
≥ 1.50Operating profit covers interest with a clear margin of safety.
FACR
≥ 1.25Fixed assets adequately secure the term loan — the bank’s security cover.
TOL / ATNW
≤ 5.00Total outside liabilities against adjusted tangible net worth — overall leverage stays in range.
TTL / ATNW
≤ 4.50Total term liabilities measured against net worth — long-term borrowing stays proportionate.
Total Debt / EBITDA
≤ 6.00How many years of earnings it would take to clear all debt — kept within a healthy band.
Build your checklist
What will my file need?
Tick what you already have. We’ll take it from there — the button opens WhatsApp with your list ready to send. Nothing is stored on this site.
Ankit Shah and Co.+91 98250 56839How 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.
Representative engagements
How a file comes together.
Illustrative, anonymised examples of the kind of work we do — not specific client records.
A growing unit needed finance for new machinery but earlier files had been returned for inconsistent figures.
Rebuilt the project report and CMA data from one clean set of numbers, and solved the projections so every covenant sat in range.
A complete, internally consistent file the branch could appraise with minimal back-and-forth.
A trading business wanted an enhanced working-capital limit and was unsure what the bank would check.
Prepared CMA data and net-worth statements, and walked the client through each ratio the appraisal would test.
The proposal was submitted in the bank’s own format, ready for assessment.
A textile unit was expanding and needed the full documentation set under one roof, on a tight timeline.
Coordinated project report, forms and supporting papers together so the numbers tied out across every document.
A single bank-ready file delivered within the working timeline agreed at the first call.
Sectors we document
Common in Surat — but not limited to it.
If a bank can appraise it, we can document it. A few of the businesses we regularly prepare files for:
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.