Initial Questionnaire for Individuals applying for a Loan 

A. Identity and Legal Status Verification 

1.    Full Legal Name (as per official ID): 

2.    Date of Birth (DD/MM/YYYY): 

3.    Place of Birth: 

4.    Nationality/Citizenship (provide official documentation): 

5.    Current and Permanent Address (verified through utility bills or lease agreements): 

6.    Taxpayer Identification Number or Equivalent (TIN/SSN): 

7.    Marital Status (to assess liabilities or shared income): 

8.    Contact details (Email, Mobile, Landline):  

B. Employment and Income Verification 

1.    Employment Type: 

       ☐ Salaried (specify employer and position):  
       ☐ Self-employed (provide audited accounts for the last 3 years):  
       ☐ Retired (submit proof of pension/investment income): 

2.     Years with Current Employer/Self-Employment: 

3.     Monthly Gross Income (attach payslips or equivalent evidence): 

4.     Monthly Net Income: 

5.     Irregular Income Sources (e.g., bonuses, dividends, rental income): 

6.     Tax Compliance:  
        -Submit tax returns for the last 3 years.  
        - Provide proof of no outstanding tax liabilities. 

C. Asset and Liability Declaration 

1.      Detailed List of Assets:  
         - Real Estate (include official valuations and ownership documents).  
         - Vehicles (include make, model, and valuation).  
         - Financial Instruments (e.g., bonds, shares, mutual funds).  
         - Liquid Savings (e.g., bank deposits, cash holdings). 

2.     Detailed List of Liabilities:  
         - Existing Debts (provide loan agreements and repayment history).  
         - Credit Card Balances (attach latest credit card statements).  
         - Other Obligations (e.g., alimony, maintenance payments). 

D. Loan-Specific Questions

1. Exact Loan Amount Requested:  
2. Clear and Specific Purpose of the Loan:  
     - ☐ Property Purchase (attach purchase agreement).  
     - ☐ Medical Expenses (provide estimates/invoices).  
     - ☐ Business Investment (provide business plan and projections).  
     - ☐ Other (specify and attach evidence).  
3. Proposed Loan Term (specify duration and preferred repayment schedule):  

E. Risk and Debt Service Capacity 

1. Monthly Debt Repayment Ability:  
2. Current Debt-to-Income Ratio (calculate and provide supporting documents):  
3. History of Default (attach credit history reports from all relevant bureaus):  
4. Stability of Income Source (e.g., permanent employment, freelance):  
5. Probable Income Growth over Loan Term (based on past trends and future projections).  

F. Documentation Requirements (Strictly Mandatory) 

- Government-issued ID (passport, national ID).  
- Proof of address (utility bill, tax bill).  
- Payslips or income statements (last 12 months).  
- Tax returns (last 3 years).  
- Credit bureau report from all relevant jurisdictions.  
- Documentation for all assets and liabilities declared.  

Initial Questionnaire for Companies Applying for Financing

A. Company Identity and Legal Status Verification

1. Full Registered Company Name:
2. Trade Name(s) (if different):
3. Date of Incorporation/Registration (DD/MM/YYYY):
4. Place of Incorporation/Registration:
5. Type of Legal Entity (e.g., LLC, Ltd., PLC, Corporation):
6. Company Registration Number (provide certified incorporation documents):
7. Registered Office Address (verified via official documentation):
8. Principal Place of Business (if different from Registered Office):
9. Tax Identification Number or Equivalent:
10. VAT Registration Number (if applicable):
11. Official Company Contact Details (Telephone, Email, Website):

B. Ownership and Management Structure

1. Detailed Shareholder Information:
   • Full Names of all Shareholders (attach official IDs):
   • Percentage Ownership by Each Shareholder:
   • Ultimate Beneficial Owner(s) (attach documentation verifying UBO):
2. Board of Directors Information:
   • Full Names (attach official IDs and CVs):
   • Positions Held within the Company:
3. Management Team:
   • Full Names and Positions (attach CVs and references):

C. Financial Information and Performance Verification

1. Audited Financial Statements (Balance Sheets, Income Statements, Cash Flow Statements) for Last 3 Years:
2. Latest Interim Financial Statements (if applicable):
3. Bank Statements for the Past 12 Months:
4. Current Company Credit Reports from Relevant Credit Bureaus:
5. Tax Compliance:
   • Submit Corporate Tax Returns for the Last 3 Years:
   • Provide Documentation Proving No Outstanding Tax Liabilities:

D. Asset and Liability Declaration

1. Detailed Asset Listing:
   • Real Estate Holdings (attach valuations, title deeds):
   • Machinery and Equipment (attach valuation and ownership proof):
   • Financial Assets (e.g., shares, bonds, mutual funds, bank balances):
   • Intellectual Property (patents, trademarks, copyrights—attach registrations):
2. Detailed Liability Listing:
   • Existing Loans and Credit Facilities (attach agreements, terms, and repayment schedules):
   • Outstanding Obligations to Suppliers (attach relevant statements):
   • Tax Obligations (attach assessments and payment schedules):

E. Business Operation and Revenue Verification

1. Nature and Detailed Description of Core Business Activities:
2. Number of Employees:
3. Main Markets Served (Domestic/International):
4. Key Customers (provide top five clients and percentage revenue contribution):
5. Key Suppliers (provide top five suppliers and percentage procurement share):
6. Monthly Revenue (attach revenue reports/statements for the past 12 months):
7. Revenue Diversification (provide percentages by market segments):

F. Financing-Specific Questions

1. Exact Amount of Financing Requested:
2. Explicit Purpose of the Financing:
   • ☐ Working Capital (provide cash-flow projections):
   • ☐ Equipment or Asset Acquisition (attach proforma invoices and contracts):
   • ☐ Expansion/Project Financing (submit detailed project proposal and feasibility study):
   • ☐ Debt Refinancing (provide details of existing debts to be refinanced):
   • ☐ Other (specify clearly and attach supporting documentation):
3. Proposed Financing Term and Preferred Repayment Schedule:

G. Risk and Debt Servicing Capacity

1. Monthly Debt Servicing Capacity (attach supporting cash-flow forecasts):
2. Current Debt-to-Equity Ratio (provide calculation and documentation):
3. Historical Record of Debt Repayment (attach evidence of past repayments):
4. Stability and Predictability of Revenue Sources:
5. Projected Financial Growth and Justifications (based on market studies and business strategy):

H. Mandatory Documentation Requirements

• Certified Company Registration and Incorporation Documents.
• Valid IDs of Directors, Shareholders, and Ultimate Beneficial Owners.
• Proof of Registered Address (utility bills, lease agreements).
• Audited Financial Statements (last 3 years).
• Recent Interim Financial Statements.
• Bank Statements (last 12 months).
• Corporate Tax Returns (last 3 years).
• Comprehensive Asset and Liability Documentation.
• Business Plans and Financial Projections (for expansions or projects).
• Relevant Market Studies or Industry Reports (supporting revenue forecasts).