Statements and returns
Audited accounts, ITRs, GST returns.
All advisory & special projects services
Advisory & Special Projects
Bank Loan Documentation
FinAura assembles the financial documents your bank's checklist asks for when you apply for or renew a working capital limit or term loan: financial statements and tax returns, projections and CMA data, debtor and creditor schedules, stock statements, net worth statements and the certificates banks ask for, certified by associate practising CAs where required.
- Chartered Accountant-led
- Certification through associate practising CAs
- Fixed scope, fixed fee
What is covered
What Bank Loan Documentation Covers
The bank's checklist, completed properly.
Projections
With CMA data.
Schedules
Debtors, creditors, loans.
Stock statements
Monthly or quarterly.
Certificates
Net worth and others, certified.
Renewals
Annual review packs.
How the month runs
How It Works
Checklist, prepare, certify, submit.
Step 1
Checklist
- Bank's list
- What exists
- Gaps
Step 2
Prepare
- Schedules
- Projections
- Statements
Step 3
Certify
- Associate CA
- Signatures
- Copies
Step 4
Submit
- To the bank
- Queries
- Follow-up
Your part
What We Need From You
- 01The bank's checklist
- 02Books and statements
- 03Loan details
- 04Stock and receivables data
Our part
What You Get
- A complete document set
- Certificates where required
- Fewer back-and-forth queries
- A renewal pack you can reuse
A common question
Why do loan files get stuck?
Usually because documents arrive piecemeal, figures differ between schedules, statements and returns, or a certificate is missing.
A complete, consistent pack with numbers that tie across documents moves through credit faster.
See CMA data and project reportsSubmittedQueries answered
PackConsistent documents
ChecklistThe bank's list
Who it is for
Who It Is For
MSMEs applying for loans
First application.
Businesses renewing limits
Annual reviews.
Companies switching banks
Takeover of loans.
Businesses with monthly stock statements
Drawing power.
The rules, in plain English
What the Law Says
RBI and bank credit policies
Working capital and term loans
Banks assess limits from financial statements, projections and CMA data, against their own credit policy and the RBI's directions.
Official source: rbi.org.inThis is general information, not advice for your situation; we confirm what applies to you before any work starts.
Questions we get asked
Bank Loan Documentation: Questions, Answered
What documents does a bank need for a business loan?
Typically audited financial statements, tax returns, GST returns, projections or CMA data, schedules of debtors and creditors, KYC and details of security, as the bank's checklist specifies.
Who signs the net worth certificate?
A practising Chartered Accountant. We prepare it and an associate practising CA we coordinate with certifies and signs it.
What is a stock statement?
A statement of stock and receivables submitted to the bank, usually monthly, which sets the drawing power on a working capital limit.
Can you help with loan renewals every year?
Yes. The renewal pack is mostly the same documents updated, which we maintain.
Often Taken Together
All 12 Advisory & Special Projects services01Advisory & Special ProjectsCMA Data and Project ReportsCMA data, projections and project reports prepared the way banks expect them, with assumptions that stand up to questions.02Advisory & Special ProjectsFund Utilisation and Statutory CertificatesCertificates investors, banks and authorities ask for: workings prepared and verified by our team, then signed by an associate practising Chartered Accountant.03Accounting & FinanceVirtual CFOA Chartered Accountant reading your numbers, planning cash and guiding decisions.04Accounting & FinanceAccounting & BookkeepingClean, current books every month, reviewed by a Chartered Accountant.