Banks aren't buying a vision — they're assessing repayment capacity. A loan-focused plan needs a valuation and cash flow assessment that speaks directly to that, including the DSCR most banks require.
The metric most banks require
Not an investor-style growth pitch
Your figures never shared or reused
Banks are underwriting risk, not buying into a growth story — they need a Debt Service Coverage Ratio, clearly stated collateral, and a specific repayment source, none of which a generic "vision and opportunity" business plan provides.
We calculate and clearly present the Debt Service Coverage Ratio banks specifically look for — most generic plans omit this entirely.
What's being offered as security, its value, and any guarantor details are laid out precisely — vague collateral language slows underwriting.
The plan states primary and secondary repayment sources explicitly — the bank's central question, addressed directly.
Existing loans and credit exposure are disclosed transparently — omissions here are a common reason for delayed or declined applications.
Cover letter stating loan amount, tenure, and purpose upfront.
Valuation & loan assessment section with DSCR.
Collateral & security summary, itemized.
Financial projections isolating debt-servicing capacity.
Proposed repayment schedule (EMI structure, moratorium if any).
Existing liabilities disclosure, transparently presented.
Risk analysis with repayment-risk mitigation.
Revision window included.
Loan amount, purpose, tenure, and available collateral.
Calculated from your actual or projected cash flow.
Structured to what your bank's credit team expects.
Refined and delivered ready to submit.
Every plan is quoted individually — there's no flat rate.
This page is for term loans with a fixed repayment schedule (requiring DSCR). The Financing/Facility page covers revolving facilities like overdrafts, LCs, or working capital lines, assessed differently.
No — we provide narrative/summary valuation support based on a stated methodology, ideally prepared alongside or reviewed by a qualified accountant for banking purposes.
No one can guarantee a bank's credit decision. We focus on presenting your repayment capacity and security as clearly and credibly as possible.
Yes — share your bank's required format or template and we'll structure the plan to match.
Share your financials and loan request — we'll take it from here.
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