Initial Questionnaire for Companies applying for a Loan

A. Legal Entity and Governance Details

1. Full Legal Name of the Entity:  
2. Business Registration Number:  

3. Industry and Subsector:  
4. Date of Incorporation:  
5. Current Ownership Structure (submit shareholding chart):  
6. Management Team Details:  

• Names, roles, qualifications of key executives.  

7. Proof of Tax Compliance:  

•  Provide tax clearance certificates for the last 3 years.  

B. Financial Details

1. Detailed Annual Financials:  

    - Last 5 years' audited financial statements.  
    - Breakdown of revenue, costs, profits, and margins.  
 2. Key Financial Ratios (calculated for the last 3 years):  
    - Debt-to-Equity Ratio:  
    - Current Ratio:  
    - Interest Coverage Ratio:  
    - EBITDA Margin:  
    - Asset Turnover Ratio:  
 3. Cash Flow Statements:  
    - Actuals (last 3 years).  
    - Projections (next 3–5 years).  

C. Loan-Specific Questions

1. Exact Loan Amount:  
2. Purpose of the Loan:  
    - ☐ Capital Expenditure (attach detailed investment plan).  
    - ☐ Working Capital (submit cash flow projections).  
    - ☐ Debt Refinancing (attach breakdown of existing debts).  
    - ☐ Other (specify and attach supporting documentation).  
 3. Desired Loan Tenor (specify duration in months/years): 

D. Risk Management and Mitigation

1. Key Operational Risks (explain and provide mitigation strategies):

2. Industry Risks (document external risks affecting the business):

3. Contingency Plans (provide evidence of crisis response planning).

4. Existing Insurance Coverage (attach copies of policies).

E. Collateral Requirements

1. Details of Assets Offered as Collateral:

• Fixed Assets (e.g., real estate, machinery).
• Movable Assets (e.g., vehicles, inventory).
• Receivables and Cash Flow Assignments.

2. Independent Valuation Reports (mandatory for all collateral):

3. Third-Party Guarantees (if any):

• Name and rating of guarantor.
• Legal agreements supporting guarantees.

F. Documentation Requirements (Strictly Mandatory)

• Certificate of Incorporation.
• Articles of Association or Memorandum of Incorporation.
• Audited financial statements (last 5 years).
• Proof of ownership for all collateral offered.
• Credit bureau reports for the company and directors.
• Tax clearance certificates (last 3 years).