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Loan Readiness Report

A written assessment of how a bank may interpret your company's financial information, cash flow and existing obligations.

What Is Assessed

  • Financial information quality — Are your financial statements consistent, complete, and prepared on a basis a bank can evaluate?
  • Cash flow and DSCR — Does the business generate sufficient cash flow to service new debt, and what is the debt service coverage ratio?
  • Existing obligations — What existing loans, facilities, or commitments are already in place?
  • Trading history — Is there a sufficient track record for a bank to assess business viability?
  • Gaps and recommendations — What specific improvements would strengthen your position before approaching a bank?

What You Receive

A written report (typically 10–15 pages) that identifies how a bank may view your financial information, highlights gaps, and provides specific recommendations to improve your readiness. The report does not guarantee financing but helps you present your business more effectively.

Who It Is For

UAE business owners and CFOs who are considering applying for bank financing and want to understand their position before approaching lenders. Suitable for SMEs with existing financial statements.

How It Works

  1. You share financial information — Recent financial statements and details of existing obligations.
  2. I analyze — Apply the five-step method to assess how a bank may interpret the information.
  3. You receive a report — Written assessment with gaps identified and actionable recommendations.