Thorough preparation of financial and statutory documentation is the most effective step in ensuring a smooth and timely credit evaluation process with banks and NBFCs.
1. Business & Promoter KYC Documents
- PAN Card of Promoters / Partners / Directors and the Entity.
- Aadhaar / Passport / Voter ID for address verification.
- Entity Registration: Certificate of Incorporation, MOA & AOA / Partnership Deed / Udyam Registration.
2. Financial Statements
- Audited Balance Sheets, Profit & Loss Statements, and Tax Audit Reports for the preceding 3 financial years with all schedules.
- Provisional financial statements for the current running financial year.
- Income Tax Returns (ITR) of the enterprise and key promoters for 3 years.
3. Banking & Tax Compliance Records
- Operating bank account statements for the past 12 months in original PDF format.
- GSTR-3B and GSTR-1 returns for the past 12 months with sales summary.
- Existing loan sanction letters and repayment track records (SOA).
4. Security & Collateral Records (Where Applicable)
- Title deed chain, latest tax receipts, approved building plan, and layout map.
- Debtors and creditors aging summary and latest stock statement.
SME CFO Services assists enterprises in organizing financial dossiers to present a transparent and complete credit profile to prospective lenders.