Few things slow down a finance proposal more than missing paperwork. Preparing documents in advance shortens assessment, reduces back-and-forth and signals that the business is well run. Requirements vary by transaction and financier, but most assessments draw on the following.
1. Entity and KYC documents
- Certificate of incorporation, Memorandum and Articles of Association (companies)
- Partnership deed or LLP agreement (firms and LLPs)
- PAN of the entity; promoter and director KYC — PAN and address proof
- GST registration certificate and Udyam registration, where applicable
- Board resolution authorising the borrowing (companies)
- Shareholding pattern and group-company details
2. Financial documents
- Audited financial statements for the last three years
- Income-tax returns for the same period
- Latest provisional or management accounts for the current year
- GST returns for the recent period
- Debtor and creditor ageing statements
- Inventory statements
3. Banking and existing obligations
- Bank statements for all operating accounts (typically the last 12 months)
- Schedule of existing loans and facilities with outstanding balances
- Sanction letters and repayment track record for current borrowings
- Credit rating, where applicable
4. Requirement-specific documents
- Expansion: project report, cost estimates, supplier quotations, implementation timeline, projections
- Machinery or equipment: asset quotation, technical specifications, supplier details, insurance
- Working capital: major customer and supplier lists, confirmed orders or invoices
- Structured requirements: detailed transaction note, counterparties, legal documents, repayment plan
- Property or security documents, where security is proposed
Tips that make a real difference
- Keep financial statements, GST returns and bank statements consistent with each other — differences will be questioned.
- Explain unusual items (a one-time loss, a large related-party transaction) upfront in a short note.
- Prepare a one-page company profile and a one-page funding note — they frame everything else.
- Share documents only through verified channels of the financier.
Protect your information. Garima Venture Finance Ltd. will never ask for your banking password, debit-card PIN or OTP. Confirm the identity of any representative before sharing confidential business documents. See our fraud-awareness guidance.
Ready with your documents? Submit a funding enquiry — you can attach your company profile and key financials directly.
