Loan Readiness & Bankability Assessment
Raunak Heda
Before you approach a bank or NBFC for a loan, know exactly where you stand. This is a document-based assessment where we review your financial and credit profile and give you a clear, written verdict along with specific corrective actions if needed so you apply with confidence, not guesswork.
What we review:
- CIBIL / credit report
- ITR (Income Tax Returns)
- Balance sheet
- GST returns
- Banking conduct
- Existing loan obligations
- Proposed project details
- Collateral available
- Promoter contribution
- DSCR (Debt Service Coverage Ratio)
- Loan requirement & purpose
What you get:
A Loan Readiness Report with a clear verdict - Eligible / Needs Improvement / High Risk along with specific, actionable steps to strengthen your profile before applying.
Continued Support
This is not just a one-time consultation call.
You will have one detailed consultation call through Topmate to discuss your requirement and finalize the financing structure. After the initial consultation, we will connect with you on WhatsApp for further discussions and small follow-up calls related to the same financing requirement.
No additional consultation fee will be charged for these follow-ups. You can reach out whenever required while working on the proposed financing.
Before the consultation:
You'll be asked to share the relevant CIBIL report, financial, banking, loan, property and project documents in advance so that the assessment, loan structure, CMA and Project Report are based on your actual numbers and existing position, rather than assumptions or estimates.
Please note:
This service includes loan structuring, Project Report, CMA Report, government scheme assessment and continued support for the same financing requirement. We shall not approach/ engage with the lenders as your consultants for the loan process.
It is not a guarantee of loan eligibility or loan sanction. Final approval, loan amount, pricing, collateral requirements and other terms remain at the discretion of the lending institution.