Prepared the way lenders actually read it
Securing business finance takes more than a viable idea. Financial institutions evaluate every proposal on financial health, statutory compliance, repayment capacity and the quality of the supporting documentation — and the last of those is the one applicants most often underestimate.
We compile and present the financial data banks expect, in the format they expect it, for businesses, startups, MSMEs, manufacturers, traders and professionals. From CMA data and project reports through to post-sanction compliance.
This page is for you if
- You need working capital and haven't approached a lender before
- You're expanding and need term finance for machinery or premises
- A bank has asked for CMA data and you're not sure what that involves
- An existing facility is due for renewal and needs updated documentation
- You may qualify for an MSME or subsidy-linked scheme
What we handle, end to end
We compile and organise everything a lender will ask for: audited financial statements, projected statements, profit and loss accounts, balance sheets, cash flow and fund flow statements, income tax and GST records, bank statements and supporting schedules.
Presentation matters more than most applicants expect. A proposal that answers the credit officer's questions before they are asked moves faster.
Every institution has its own eligibility criteria, documentation requirements and evaluation parameters.
We prepare complete applications for working capital loans, cash credit and overdraft facilities, term loans, machinery and equipment finance, business expansion loans, MSME loans, startup finance, project finance, commercial property loans and loans against property for business purposes.
Most banks require a Credit Monitoring Arrangement report before sanctioning business finance. Preparing it requires both financial analysis and familiarity with banking norms.
Our CMA reports cover projected balance sheets and profit and loss statements, cash flow and fund flow statements, ratio analysis, maximum permissible bank finance, working capital assessment, debt service coverage, break-even analysis and the assumptions behind the projections — stated explicitly, because that is what gets tested.
For new businesses and expansion projects, we prepare detailed project reports covering objectives, market analysis, investment requirement, projected profitability, operational planning, risk assessment and financial feasibility.
Whether for a manufacturing unit, retail business, service enterprise or hospitality venture, the report is written to be read by a credit committee.
Choosing the right facility matters as much as obtaining it. We assess your requirement and advise on the products that suit your financial profile, repayment capacity and growth plans.
During processing we respond to document queries, provide additional information and clarify financial statements directly with the relationship manager — which is usually where delays are lost or saved.
Central and state schemes provide support to MSMEs, startups, women entrepreneurs, exporters and manufacturers, each with its own eligibility criteria and documentation.
We prepare documentation for government-backed assistance, subsidy-linked loans and credit guarantee schemes, and explain what each requires before you commit time to it.
Sanction is the beginning of the reporting obligation. Banks require periodic information through the tenure of the facility.
We handle stock statements, quarterly and annual financial statements, renewal documentation, CMA updates, GST and income tax compliance, bank information reports, ratio analysis and compliance with loan covenants.
The shape of the engagement
Assessment
What you need, what you can service, and what a lender will make of your current financials.
Documentation
Financial data assembled, CMA prepared, project report written where the facility requires one.
Submission
The application filed with the institution best suited to the requirement.
Processing
Queries answered and information supplied directly, so the file doesn't sit waiting on you.
Ongoing compliance
Stock statements, renewals and covenant reporting through the tenure.
Thirty-six years, one point of contact
35 years of financial consulting
Long enough to know how each institution reads a proposal.
CMA and projections prepared properly
Realistic assumptions, stated openly, because credit officers test them.
Compliance already in hand
We can produce the tax and statutory records lenders ask for, because we file them.
We deal with the bank
Queries answered by us rather than forwarded to you.
Scheme eligibility checked
Before you spend time on an application you cannot qualify for.
Support after sanction
The reporting obligation lasts as long as the facility does.
Before you get in touch
Tell us what you’re dealing with
The first consultation is free and carries no obligation. We’ll tell you what applies, what it costs and how long it takes.
- 35 C.R. Avenue, Kolkata 700012
- +91 98300 69332
- Mon–Sat, 9am–7pm
- info@rtctax.in