Is your project ready for a bank?

Banks assess new projects differently from existing business expansions. Your stage determines the documentation format and the scheme you're likely eligible for.

Different sectors have very different cost structures, margin profiles, and scheme eligibility. This helps us flag sector-specific issues in your assessment.

Loan size determines which schemes you're eligible for (MUDRA caps at ₹10L, PMEGP goes higher) and how closely lenders scrutinise your projections.

Banks require formal supplier quotations for machinery, equipment, and fixed assets — not estimated figures. This is one of the first documents a loan officer will ask for.

Margin and break-even projections are the backbone of CMA data. Without these, there's nothing for a lender to assess repayment capacity from. Realistic numbers matter more than optimistic ones.

Collateral affects which lenders and schemes apply. Loans without collateral (like MUDRA, CGTMSE) have stricter cash-flow scrutiny. Larger collateral-free loans face the most scrutiny.

A previous rejection creates a record at the bank. Any resubmission needs to clearly address the original rejection reason — not just repackage the same application.

PMEGP, MUDRA, CGTMSE, Stand-Up India, and various state schemes each have different eligibility rules, loan limits, and documentation requirements. Many rejections happen simply because the wrong scheme was targeted.

A report prepared with incorrect assumptions or without scheme-specific formatting can sometimes hurt more than help — it gives a loan officer something to question. If you have one, a review is worth it.