GuideApproved
Preparing a bank financing request
What banks and funds check before approving financing, and how to prepare.
18 Aug 20266 minValid until 3 Oct 2027
What does the bank look at?
Repayment capacity, collateral, credit history and the logic of how funds will be used.
Core documents
Audited financial statements, tax returns, bank statements and a short use-of-funds plan.
Suggested actions
- Compare the repayment schedule with your forecast cash flow
- Check the company credit report before applying
- Prepare a short use-of-funds plan
Possible causes
- No reliable financial statements
- Requested amount does not match repayment capacity
Required documents
- Financial statements for the last two years
- Tax returns
- Bank statements for the last 6 months
