Lead Magnet

Debt Funding Readiness Checklist

Use this quick checklist before you approach banks, NBFCs or private credit providers. It helps promoters and finance teams identify the gaps that usually slow down sanction decisions.

1. Business Narrative

  • Can you explain why the business needs debt, and why now?
  • Is the use of funds clearly split between working capital, capex, refinancing or project execution?
  • Can management explain repayment capacity in one or two simple sentences?

2. Financial Readiness

  • Latest financial statements, GST and bank statements are updated and internally reconciled.
  • Projected cash flows and debt servicing assumptions are available for the next 12 to 24 months.
  • MIS reporting is consistent enough for lender diligence.

3. Documentation

  • Promoter profile, business note, shareholding pattern and key customer or order visibility are documented.
  • Security, collateral and existing debt obligations are clearly summarized.
  • Pending compliance, litigation or audit issues are known before lender discussions start.

4. Process Discipline

  • One person owns data-room coordination and lender follow-ups.
  • Target ticket size, ideal tenor and acceptable pricing range are pre-aligned internally.
  • Management is ready for fast clarifications once diligence begins.

If more than a few of these points are unclear, the business usually needs packaging and readiness support before broad lender outreach.

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