Preparation of Loan Proposal

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Preparation of Loan Proposal
To get Advances or loans from Banks, it is not very easy way to acquire. It demands some
preparation from the Borrower. Because, which the amount is sanctioning by the banks is not
of its own. The public deposits this amount, so it is very risky for Bank to lend this to the
Borrower. If the Bank fails to recovery that money then it should be paid from its own fund.
As a result, Banks fixed a systematic way to minimize this lending risk and try to proper use
of the money. Proposal requires:
* Loan Application.
* Required Paper as per Ownership of the Industry.
* Schedule of Mortgage Properties and Relevant Papers.
* Market reputation.
* Other Bank opinion about the previous money Lending.
* Feasibility Study.
* Lending Risk Analysis.
* Financial spread sheet analysis.
* Credit scoring.
* Forwarding.
* Valuation of Certificate.
* Trade License & CIB Report.
* Commercial Invoice.
* Certificate of Origin.
* Memorandum of Association & Articles or Association.
* No objection Certificate from Local Authority and from Ministry of Environment.
* C.S, R.S & S/A of Land.
* Mutation Certificate.
* Affidavit and Personal Guarantee.
* General Irrevocable Power of Attorney.
Loan Sanction, Disbursement and Recovery Procedure almost same as General Advances.

Working Capital Management involves the financial and Management of the Current assets
of the Firm/industry. A Firms/industries ability to properly manage Current assets and the
associated liability obligations may be determine how well it is able to survive in the short
run, When a Firm/industry is unable to meet its current assets (payment of labor, raw
materials etc.) then the Firm/Industry to the Bank for Working Capital. After proper
investigation, Bank sanctions Working Capital for that Firm.
Since 1973-74 Sonali Bank started to disburse in Agricultural Credit Program. The lion share
of the disbursed credit goes for crop; the credit is being disbursed in a limited scale for the
income group under various programs. But Rajuk Bhaban Branch does not sanction any
credit on Agriculture but they sanctioned money in Agro-based industry such as Poultry Firm,
Poultry Food etc.

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