Prepare a stronger, bank-ready business-loan proposal
SNV Consultancy Services assists MSMEs, manufacturers, traders, service businesses and promoters with loan assessment, financial projections, documentation and application coordination.
We structure the proposal around the genuine funding requirement, repayment capacity, promoter contribution and lender information needs—helping the business present its case clearly and responsibly.
Assistance for established businesses and viable expansion plans
Working Capital
Assessment support for cash credit, overdraft and working-capital limits based on the operating cycle and projected turnover.
Machinery and Equipment Loan
Proposal preparation for acquiring plant, machinery, vehicles or business equipment with appropriate repayment assumptions.
Business Expansion
Financial planning for additional capacity, new products, premises, branches or geographic expansion.
Term Loan
Structuring of project cost, means of finance, promoter contribution, repayment schedule and debt-service indicators.
Property-backed Business Finance
Documentation and proposal coordination where eligible property is offered as collateral for a genuine business purpose.
Balance Transfer or Enhancement
Review of existing facilities, repayment history, current limits and the commercial basis for a transfer or enhancement request.
Information lenders commonly evaluate
- Business profile and promoter background
- Historical financial statements and tax returns
- Bank statements and existing loan obligations
- Purpose and amount of the proposed facility
- Projected profit, balance sheet and cash flow
- CMA information and working-capital assessment
- Repayment capacity, DSCR and key financial ratios
- Quotations, orders, collateral and statutory registrations
From requirement assessment to lender coordination
Eligibility and Gap Review
Assess the funding purpose, present financial position, banking conduct, available contribution and documentation gaps.
Financial Projections
Prepare realistic business assumptions, profitability, cash flow, balance sheet, ratios and repayment schedules.
Proposal and Application
Organise the project note, supporting schedules and documents into a coherent lender-ready submission.
Query Coordination
Assist the business in responding to information requests and clarifying the financial proposal during appraisal.
A disciplined approach to responsible borrowing
1. Requirement
Define the facility, purpose, amount, timing and expected repayment source.
2. Assessment
Review financials, banking, obligations, contribution and loan-service capacity.
3. Preparation
Develop projections, CMA data, project note and the supporting document set.
4. Coordination
Support submission, lender queries and documentation follow-up through appraisal.
Planning working capital, machinery or expansion finance?
Share the business profile, latest financials, proposed requirement and existing loan details for an initial assessment.