Accounting for Bank Loan Readiness

Who Needs This

When You Need Accounting for Bank Loan Readiness

Your bank has asked for three years of audited accounts and a CMA report, and your books lag by two quarters.
Your last application was rejected because the stock and debtors in the statements did not match the ledger.
You want an overdraft limit raised and the bank wants monthly operating statements.
You plan to apply for a term loan and want to know your debt service coverage before applying.

In Detail

Accounting for Bank Loan Readiness: how it works and what to expect

What lenders test before they sanction

A bank officer reads your accounts for four things: whether sales in the books agree with GST returns and bank credits, whether stock and debtors are real and recoverable, whether the promoter's own money is in the business, and whether the cash flow can service the new instalment.

Gaps between those four sources trigger queries or rejections. We reconcile them before the application, so the answers are in the file and the officer does not have to ask.

Where project reports and CMA data fit in

For a term loan or a limit above a certain size, the bank also wants a project report or CMA data with projections. Those projections must start from reliable historical numbers, otherwise they are rejected as unrealistic.

Once the books are loan-ready, SVT & Associates can prepare the project report or CMA data from the same figures, so history and projections agree. Those are separate fixed-fee services, which you can add when you reach that stage.

What banks usually check and where it comes from
Bank check	Source in your books	What goes wrong
Sales consistency	Ledger, GSTR-1, bank credits	Sales missing from one source
Stock value	Stock statement, closing stock	Stock stated above cost or old
Debtors quality	Ageing report	Old balances never written off
Promoter capital	Capital account, loans	Undocumented introductions
Repayment capacity	Cash-flow summary	Instalments ignored in projections

What You Get

What Is Included

Books brought current and reconciled
Debtors and creditors ageing for the bank
Stock statement and drawing-power computation
Ratio analysis: current ratio, DSCR and leverage
Monthly operating statement in the bank's format
Coordination with the CMA or project report service if needed

Documents Required

Documents Checklist

Last three years' financial statements and returns
Current year's books and bank statements
Existing loan sanction letters and repayment schedule
Stock and debtors lists
GST returns for the last 12 months
KYC of promoters and entity documents

How It Works

How It Works, Step by Step

Health check
We review books against what the bank will test
Days 1 to 3
Clean up
Reconcile accounts, adjust stock and debtors
Days 4 to 12
Ratios and statements
Prepare ratios and the bank's statements
Days 13 to 14
Hand over
CA review and a loan-readiness note
Day 15

Sample Output

What Your Monthly Report Looks Like

Every client receives a short, CA-reviewed MIS. A free blank format is available to download with no sign-up: Monthly MIS report format.

Sample monthly MIS snapshot (illustrative figures, not a real client)
Line	This month (Rs.)	Last month (Rs.)	Comment
Revenue	12,40,000	11,10,000	Up 11.7%
Gross margin	31.5%	29.8%	Better purchase rates
Operating expenses	2,95,000	2,80,000	Rent revision
Net profit before tax	95,600	52,300	Margin improved
Closing cash and bank	3,42,000	2,60,000	Collections on time
Debtors over 90 days	74,000	1,12,000	Two accounts recovered

Transparent Pricing

Accounting for Bank Loan Readiness Fees: Fixed and Transparent

Fee breakdown for Accounting for Bank Loan Readiness
Line	Amount
Our professional fee (per month + GST)	Rs. 1,500
GST at 18%	Rs. 270
Government or statutory fee	Rs. 0 (none for accounting work)
Total payable	Rs. 1,770

Monthly plans, by volume of work (fees before GST)
Plan	Best for	Entries a month	Fee a month	With 18% GST
Starter	Professionals, service firms	Up to 100	Rs. 1,500	Rs. 1,770
Growth	Traders, small manufacturers	Up to 500	Rs. 3,500	Rs. 4,130
Scale	Retail, restaurants, e-commerce	500+	Rs. 7,500	Rs. 8,850

Add-ons and one-time work (fees before GST)
Service	Fee
Payroll, up to 10 employees	Rs. 1,000 a month
TDS accounting and returns	Rs. 1,000 a month
Extra bank account reconciliation	Rs. 1,000 a month
MIS pack with commentary	Rs. 2,000 a month
Backlog clean-up, up to 6 months	Rs. 4,999 one-time
Annual accounts and audit support	Rs. 9,999 a year
Virtual CFO	Rs. 15,000 a month

Fees are fixed in writing after we review one sample month. Accounting has no government fee; taxes you owe are paid directly to the government.

Client Reviews

What Our Clients Say

G

★★★★★

4.81,000+ clients · View on Google Maps

★★★★★

"Ever since my association, I am impressed with the professionalism and personal conduct of the firm. Clients are made to feel belonging."

RS

Rachana SinghBusiness Owner, Mumbai

★★★★★

"An extremely professional setup, very responsible to all our needs. Strongly recommend for taxation and accounting services."

AD

Abhishek DubeyEntrepreneur, Mumbai

★★★★★

"The best for auditing, finance, and budget analysis. Will consistently give the best possible solution, worth every penny."

MS

Mayur SinkarCFO, Startup, Mumbai

Your CA

Reviewed and Signed by a Practising Chartered Accountant

CA Rinky Vishwakarma

Signing Chartered Accountant, SVT & Associates

ICAI No.: 177507Fellow CA – ICAI20 years combined experience1,000+ clients served

Fellow Chartered Accountant (FCA) with over 12 years of experience across Big 4 audit, investment banking and independent practice. Personally reviews each client's books and MIS before sign-off, and signs certificates in her capacity as a practising CA.

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FAQ

Frequently Asked Questions

How long does it take to make books loan-ready?

If the books are current and only need reconciliation, about 15 days. If several months are pending, the backlog is cleared first, which adds time depending on volume. We give a firm date after reviewing a sample of your data and bank statements.

Can you guarantee that the bank will approve the loan?

No. Approval is a decision of the bank. We improve the quality and consistency of the numbers and documents it will review, which reduces avoidable queries and rejections, but we do not promise sanction or a particular limit and do not charge on success.

Do you also prepare the CMA data or project report?

Yes, through separate fixed-fee services on this website. We recommend preparing the books first, because projections built on unreconciled history are questioned by the bank. If both are needed, the CA ensures that historical and projected figures use one consistent basis.

Who prepares and signs the work?

SVT & Associates is an ICAI-registered Chartered Accountancy firm. Every account is supervised and reviewed by CA Rinky Vishwakarma, Fellow Chartered Accountant, ICAI Membership No. 177507. Where a certificate or attest report is issued, it is signed by a practising CA and carries a UDIN.

How quickly can you start?

After a short consultation and receipt of your documents, onboarding usually takes three to five working days, and the first monthly books are delivered within seven days of receiving complete data. If a filing deadline is close, we handle that first and then complete the wider setup.

Is my financial data confidential?

Yes. As a Chartered Accountancy firm we are bound by the ICAI Code of Ethics on professional confidentiality. Your records are accessed only by staff working on your account, are shared through controlled folders or your own software, and are never given to third parties without your written consent or a legal requirement.

Which accounting software do you work in?

We work in your existing software, whether Tally Prime, Tally ERP 9, Zoho Books, QuickBooks or Busy, so you do not need to switch. Your licence and data remain yours at all times, and a full export of your books is available whenever you ask for it.

Are your fees fixed, and are there hidden charges?

Fees are fixed and confirmed in writing after we review one sample month of your data. Our fee and GST are shown on separate lines, and accounting has no government fee. Work outside the agreed scope, such as a backlog clean-up, is priced separately and agreed with you before it begins.

Do you serve clients outside Mumbai?

Yes. Most of our work is delivered online across India, using shared folders, your accounting software, video calls and WhatsApp. Our office is in Goregaon West, Mumbai, where local clients can meet the CA in person, but no visit is needed to start or continue the service.

Can I stop the service if I am not satisfied?

Monthly plans are not locked in, and you can end the service by giving us notice. You will receive your books, reconciliations and working papers in an exportable form. The Refund Policy linked in the footer explains how any advance payment is treated.

Accounting Services by a Practising CAHub: all services, cities and guides MIS Reporting ServicesFrom Rs. 2,000 Annual Accounts and Audit SupportFrom Rs. 9,999 Bookkeeping ServicesFrom Rs. 1,500 Net Worth Certificate by a CACA-signed with UDIN Tax Advisory ServicesITR, GST advisory, notices, NRI taxation

Who signs and issues the work. SVT & Associates is a Chartered Accountancy firm registered with the Institute of Chartered Accountants of India. Accounting, MIS and tax work is prepared under the supervision of CA Rinky Vishwakarma (FCA, ICAI Membership No. 177507). Certificates and attest reports, where issued, are signed by a practising CA and carry a UDIN. Our role in online document collection and delivery is administrative; the professional opinion is the CA's. Fees are shown before 18% GST. We do not guarantee any outcome, approval or sanction by a bank, lender or authority.

Accounting for Bank Loan Readiness: From Rs. 1,500 a Month, Loan-ready books in 15 days

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Details Received!

When You Need Accounting for Bank Loan Readiness

Accounting for Bank Loan Readiness: how it works and what to expect

What lenders test before they sanction

Where project reports and CMA data fit in

What Is Included

Documents Checklist

How It Works, Step by Step

What Your Monthly Report Looks Like

Accounting for Bank Loan Readiness Fees: Fixed and Transparent

What Our Clients Say

Reviewed and Signed by a Practising Chartered Accountant

CA Rinky Vishwakarma

Frequently Asked Questions

Related Services and Pages

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