Answer Book question
Whether the business will generate enough cash to pay the EMI with room to spare, whether you have the experience to run it, whether the market exists in evidence rather than assertion, whether the costs are realistic, and whether the promoter has skin in the game. The numbers matter; the evidence behind the numbers matters more.
Whether the business will generate enough cash to pay the EMI with room to spare, whether you have the experience to run it, whether the market exists in evidence rather than assertion, whether the costs are realistic, and whether the promoter has skin in the game. The numbers matter; the evidence behind the numbers matters more.
Two project reports for similar units. One has "sales ₹60 lakh year one" with no basis. The other has three letters of intent from buyers totalling ₹35 lakh and a conservative ramp-up. The second is sanctioned.
A project report is a credit argument: here is the market, here is how we serve it, here are the costs, here is the cash flow, here is why the EMI is safe.
Market evidence: LOIs, orders, competitor data Promoter background Realistic costs with quotations Working capital cycle DSCR above the bank's threshold (often 1.5+) Sensitivity: what if sales are 30 percent lower
Templates with fantasy numbers.
Kerala Rising prepares bank-ready project reports from validated data; we will not write fantasy.
Report with LOIs and conservative ramp → sanctioned in five weeks.
None.
Gather evidence first Then write the numbers Test sensitivity
What is DSCR and why does the bank care? How do I prepare before approaching the bank? What is break-even?
Loans, grants & subsidies · Start or grow a business
RBI directions on MSE collateral-free lending · CGTMSE scheme guidelines · MSMED Act 2006 delayed-payment provisions · MSME Samadhaan portal · Udyam registration portal · Kerala Industries Department scheme documents (verify current terms) Rates, limits and whether you may qualify change. Confirm with the official source. Ask Kerala Rising: Send us the quotation before you pay the advance. Or send us the bank's letter before you sign the mortgage. We will tell you what questions to ask. WhatsApp +1 443 595 9000 · keralarising.com Kerala Rising › Business › Finance · Business 18
This page is general orientation, not personal insurance, investment, medical, legal, lending, tax, or professional advice. Rules, rates, benefits, and claim or application decisions can change. Confirm the current position with the named official source and use a licensed or qualified professional where your situation requires one. Kerala Rising does not decide whether you may qualify, approve claims, or promise an outcome.