Get Bank Ready
See your company the way the bank will, guided by former corporate bankers who know how the files are read.
Ask for Get Bank ReadyYour company needs financing, but you walk into the bank not knowing how the bank sees you.
Banks don't explain what they analyze, which ratios they calculate, or why a file that looks solid to you looks weak to the loan officer. If you plan to apply for financing but you do not know if your business is ready, or if you have already been refused, Get Bank Ready is the service you need.
You received a refusal with no clear explanation.
The bank said no, but the official reason is vague or technical. You don’t know how to change the application and risk repeating the same mistake.
You picked the wrong financing instrument.
An overdraft for long-term investments. An investment loan for seasonal working capital. Frequent and costly errors, with higher interest rates and ill-fitting structures.
Your numbers tell the bank the wrong story.
Tax-optimized profitability, unclear structures, unpredictable cash flow. All of these reduce borrowing capacity, even for solid businesses.
Three working sessions to build a credible financing case for your company.
The first session assesses the request, the second goes through your numbers, and the third prepares you for the bank meeting.
Session 1 · Assessment
Testing The Financing Request
- We clarify which type of financing fits your situation.
- You receive a first read on how the bank sees you today.
- We answer any questions about banks and lending.
- We list the documents to prepare for analysis.
- We map the bank products that fit your needs.
Between sessions 1 and 2, we prepare your figures the way a bank would.
Session 2 · Financial Analysis
Going Through Your Numbers The Way The Bank Would
- We score how the bank sees you across five dimensions.
- We calculate the ratios the bank uses: DSCR, Debt/EBITDA, Interest Coverage.
- We map your top three current risk areas.
- We establish how much you can realistically borrow.
- We prepare clear explanations for unusual movements, so the true picture reads correctly to the bank.
Between sessions 2 and 3, you add any missing documents and draft the information package the bank typically asks for.
Session 3 · The Conversation
Prepare for The Bank Meeting
- You role-play with the consultant as the loan officer.
- You defend your file and answer the hard questions.
- You receive immediate feedback on every answer.
- You receive a clear Go / Change / No-Go strategy.
- You receive the exact list of what still needs fixing.
After three sessions, you will leave with:
- The Bank Ready report, with your score, risk map, and action plan.
- An assessment of the company against typical bank criteria.
- A realistic estimate of how much you can borrow.
- A typical checklist of documents required by the bank.
- Clear explanations for changes in performance and the assumptions behind the forecast.
- Prepared answers, supported by the figures, to the questions the bank is likely to ask.
- A prioritized plan for closing any gaps before you approach the bank.
Questions About the Get Bank Ready Program
Does the program guarantee loan approval?
No. The bank makes the final decision under its own lending policy and risk appetite. We prepare a credible case; we cannot promise approval.
Do you act as an intermediary with the bank?
No. The service prepares your company for the conversation; it does not include credit brokerage or negotiation on your behalf.
Can you tell me how much the company can borrow?
We assess repayment capacity and give you a realistic estimate based on the information available, not a promise about the bank’s final offer.
Which documents are required?
The exact list depends on the company and the type of financing. We usually review financial statements, trial balances, cash flow information, debt, receivables, the budget, and documents explaining the use of funds.
Is the program useful after a bank has declined an application?
Yes, especially if the bank has explained its concerns. We can review the weaknesses, identify what can be improved, and assess whether a new application is realistic under current conditions.
Planning to approach a bank?
Tell us what you want to finance, the timing, and the documents you have. We will say whether three sessions are enough and what still needs to be prepared.
Ask for Get Bank Ready