Loan rejections rarely say the real reason. Usually it is not the business — it is the file. Banks approve documents that answer their questions before they ask.

The standard file

  • Financial statements and ITRs for the recent years, consistent with each other
  • GST returns matching the declared turnover
  • Bank statements telling the same story as the books
  • KYC of the entity and promoters; constitution documents
  • For limits: projections and working-capital data in the bank’s preferred format

What credit teams actually test

  1. Consistency: ITR vs GST vs bank credits — mismatches end conversations
  2. Serviceability: cash generation vs proposed obligations
  3. Conduct: existing account behaviour, bounced instruments, credit scores
  4. Story: does the requested amount match a believable purpose?

The preparation that changes outcomes

Fixing consistency issues before applying, and packaging the case professionally, routinely turns borderline files into approvals — and improves the rate offered.

We prepare bank-ready files — loan documentation service · start yours.