What the pack includes

• Cover Page – Entity details, loan ask, interest rate, tenure, repayment type.

• Executive Summary – Purpose of loan, collateral/LTV, quick profile.

• Financial Projections (5 years) – Your 7-sheet output (P&L, Balance Sheet, Cash Flow, Ratios, Depreciation, Schedules, Loan Details).

• Ratios & Covenants – DSCR, ICR, Current Ratio, Debt/Equity, LTV with color badges (Meets/Gap).

• Collateral Summary – Type, description, FMV, implied LTV.

• Document Checklist – Please tick only the files you intend to attach.

All tables are formatted for readability and printing. Save as PDF exports only the proposal area (not your whole page).

Who should use this?

• SMEs, agri/co-ops, traders, manufacturers preparing bank proposals.

• Consultants & accountants who need a repeatable, consistent pack.

• Founders applying for term loans, WCap, OD or equipment financing.

Why lenders like this format

Banks want clarity on: cash flow coverage (DSCR), interest coverage (ICR), liquidity (current ratio), leverage (debt/equity), and collateral/LTV. This pack puts those front-and-center so credit teams can assess quickly.

How to use the tool (step-by-step)

1. Entity & Contact
   Enter firm/company name, address, type, PAN/VAT, and contact info.

2. Loan Ask & Collateral
   Loan amount, purpose, interest rate, tenure, repayment type (Equal Principal/EMI), installment frequency, collateral type/description/FMVs.

3. Covenants (optional)
   If you have already calculated the DSCR/ICR, please enter them, and the badges will indicate whether they meet or fall short of the typical

4. Document Checklist
   Tick only the documents you’ll attach (registration, MoA/AoA/Deed, bank statements, audited FS, valuation report, ESRM docs, etc.).

5. Generate Projections (required)
   Open the Projected Financial Statement Builder in Nepal (link above). Please prepare your 7-sheet projections for the 2,
   Return to this page and click Build Proposal.

6. Export
   Click Save as PDF to export only the proposal area. Print or email the PDF to the bank.

Best-practice tips for approval

• Keep DSCR ≥ 1.25× (higher if cash flows are volatile).

• Aim ICR ≥ 1.5–2.0×; Current Ratio ≥ 1.2×; Debt/Equity ≤ 2.0×.

• Maintain documentation: bank statements, audited FS, loan schedules, tax filings, valuation report & insurance for collateral, ESRM/IEE/EIA where applicable.

FAQs

Does “Save as PDF” capture my entire webpage?
No. It exports only the proposal area so the pack remains neat and lender-friendly.

What if I don’t have DSCR/ICR?
Please leave them blank initially—utilize the projection tool first, and then fill in these fields (or present them in the embedded ratio sheet).

Can I use AD or BS fiscal labels?
Certainly—please configure this in the projection tool when generating the seven sheets.

Are the numbers randomized?
Some inputs (e.g., small margin wiggles) vary slightly to avoid cookie-cutter outputs, but all calculated values (ratios, coverage, totals) remain correct based on your inputs.

What to submit with your PDF

• Registration documents, MoA/AoA/Deed, KYC of promoters.

• Audited financials (3 years) + current management accounts.

• Bank statements (6–12 months).

• Existing loan schedules & security details.

• Collateral title, valuation, and insurance.

• Tax filings/clearance.

• ESRM/IEE/EIA docs if applicable (per NRB guidance).

Final notes

• This pack is designed to speed up credit appraisal by presenting exactly what underwriters expect.

• Always align assumptions (pricing, volumes, capex, working capital cycle) with your business reality and supporting documents.

• Bigger loans or sensitive sectors may trigger ESRM and additional diligence—be ready.