Bank Financing Readiness

Are we ready to approach a bank — and which gaps should we fix first?

Annual revenue

AED

Use last 12 months actual revenue

Net profit margin

Net profit after all costs and tax, as % of revenue. Use negative if loss-making.

Existing monthly debt obligations

AED

Loan repayments, lease commitments, existing facility drawdowns

Average monthly bank balance

AED

6-month average of your main operating account end-of-month balance

Facility purpose

The type of bank facility you are looking to secure

Collateral / support available

What you can offer as security or comfort to the bank

READINESS SCORE

72 / 100 — Moderate

Most suitable facility: Overdraft / Current account facility

Readiness is moderate. Your profile may support an initial discussion, but addressing the gaps below will significantly improve approval probability before you formally apply.

Priority gaps to close

1.Net margin of 7% — strengthen to 10%+ before approaching for larger facilities.

2.Existing obligations consume 30% of monthly revenue — reduce below 20% before layering additional facilities.

3.Revenue below AED 1M — growing to AED 1–3M will materially strengthen any application.

Document preparation checklist

✓Last 2–3 years audited or management accounts

✓6 months of bank statements (main operating account)

✓Valid trade license

✓VAT registration certificate and last 4 VAT returns

✓Company ownership structure / Memorandum of Association

✓Projected 12-month cash flow statement

✓Evidence of peak seasonal or operational funding need

Debt / revenue: 30%Balance / revenue: 80%

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