BUSINESS LOAN DOCUMENTATION CHECKLIST
Use this list to compile a bank-ready loan file for a term loan, working-capital or MSME loan.
KYC & Identity
- ☐ PAN card of business entity
- ☐ PAN and Aadhaar of proprietor / partners / directors
- ☐ Passport-size photographs of applicants and guarantors
- ☐ Address proof (electricity bill / rent agreement / registry)
Business Existence & Registration
- ☐ Certificate of Incorporation / Partnership Deed / GST-linked proof
- ☐ Udyam (MSME) registration certificate
- ☐ GST registration certificate and last 12 months returns
- ☐ Shop & Establishment / trade licence, if applicable
- ☐ MoA & AoA / LLP agreement (companies / LLPs)
Financial Documents
- ☐ Audited financial statements for last 3 years
- ☐ Income Tax Returns with computation for last 3 years
- ☐ Provisional / projected financials for the loan tenure
- ☐ Last 12 months bank statements of all accounts
- ☐ Existing loan sanction letters and repayment track record
- ☐ Debtors and creditors ageing statement
Collateral / Security
- ☐ Property title deeds and chain of ownership documents
- ☐ Latest property tax receipts and encumbrance certificate
- ☐ Approved building plan / valuation report
- ☐ List of assets offered as security with values
Bank Application & Declarations
- ☐ Duly filled and signed loan application form
- ☐ Board resolution / authorisation to borrow
- ☐ Personal guarantee and net-worth statement of guarantors
- ☐ CIBIL / credit report consent signed
- ☐ Processing fee cheque or payment proof
Note: Keep self-attested photocopies plus originals for verification; a complete file at first submission typically cuts sanction time significantly.