Capital
Bankability & Credit File
Most rejected files are not rejected on the business. They are rejected on the file.
Lenders and development finance institutions assess a small number of things consistently: whether the financials are credible, whether obligations are visible, whether collections behave, and whether the paperwork supports any of it.
Companies that are genuinely creditworthy fail on documentation more often than on substance. That is a fixable problem, and it is fixable before you apply.
How the work runs
- 01
Score the file
Financials, governance, collections and documentation, weighted equally.
- 02
Name the gaps
Specifically, in the order a credit committee will hit them.
- 03
Rebuild what is missing
Statements, receivables analysis, cash model, contracts.
- 04
Package the application
The file in the form the institution expects to receive it.
What you receive
- Scored bankability assessment
- Gap closure plan
- Project-level cash model
- Lender-ready credit file
Who this is for
- SMEs applying for facilities
- Manufacturers approaching development finance
- Companies that have been declined once already
Where would a lender stop reading?
0 of 12
- Are your last financial statements externally audited?
- Do you have three consecutive years of statements?
- Are business and personal accounts fully separate?
- Are board or shareholder decisions minuted?
- Is the ownership structure documented and current?
- Are related-party transactions disclosed?
- Can you produce an aged receivables report today?
- Is there a written collections policy?
- Do you model cash at project level, not just company level?
- Is title to your main assets clean and registered?
- Are tax filings current with no open assessments?
- Are major customer and supplier contracts signed and filed?
By who you are
Book a free cash-flow session
Gateway is the advisory layer between a decision and the money behind it.
Free cash-flow session