Financing Readiness Index — Is your business truly ready to secure financing?

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Tick only the statements that are actually true of your business. Leave anything unmet or uncertain unticked — accuracy here means a more accurate report.

Financial Position and Liquidity

The company prepares regular periodic financial statements that accurately reflect its actual performance Operating cash flow has been positive and stable over the past twelve months The ratio of current assets to current liabilities is above 1.2 We monitor the working capital cycle regularly and with discipline We hold a cash reserve covering at least three months of operating expenses

Financing Structure and Existing Obligations

The total liabilities to equity ratio is below 2 with a comfortable margin We repay all our current financing obligations on time without any delay We calculate the Debt Service Coverage Ratio (DSCR) regularly, and it is above 1.25 Our financing is diversified with no concentration in a single lender, or we have no outstanding financing We have a clear written plan with defined outcomes for the use of the new financing

Collateral and Assets

We own sufficient and diverse assets that can be offered as collateral Our assets are legally registered in the company's name and free of any prior liens Our assets were appraised by an accredited valuer within the past two years Personal guarantees or bank guarantees are available and ready to submit when needed Available collateral covers 100% or more of the requested financing amount

Credit Quality and Track Record

The company's credit record with SIMAH is completely free of any defaults There are no ongoing enforcement or insolvency cases against the company or its owners We pay our obligations to suppliers fully and regularly, without any material delays The company has been established and actively operating for more than three years The company has achieved notable, sustained revenue growth over the past two years

Application File and Document Readiness

We have financial statements for the latest fiscal year audited by a licensed firm The company's commercial registration and all statutory licenses are valid and up to date We have an up-to-date, professional feasibility study or business plan for the project to be financed We can prepare the complete financing application documents within two weeks or less We have successfully obtained financing before, or we know the reasons for any past rejection and have addressed them

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