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How much years of experience does the business entity's key-man have in running the business? *

No experience running the business entity with < 3 years of industry experience

No experience running the business entity but have > 3 years of industry experience

< 5 years experience running the business entity but have industry experience (regardless of # of years)

> 5 years running the business entity with < 10 years of industry experience

> 5 years running the business entity with > 10 years of industry experience

How involved are the family members in the business? *

The owner/decision-maker is in bad health (regardless of age). Potential back-up person is not capable and does not have experience running the business

The owner/decision-maker is over 60 years old but is in good health. Potential back-up person is not capable and does not have experience running the business

The owner/decision-maker is less than 60 years old but is in good health. Potential back-up person is not capable and does not have experience running the business

The owner/decision-maker is less than 60 years old and is in good health. Potential back-up person is not capable but has >3 years experience in running the business

Capable person/family member with >3 years experience with the company can take over any time

Is your business registered company or not? *

Yes

How diversified are the businesses of the owner / key-man and how similar are these businesses? *

< 30% of total revenue from the current line of business for which the loan is sought for; with > 50% of the revenue coming from non-similar line of business

> 50% of total revenue from the line of business for which the loan is sought for; with > 30% of the revenue coming from non-similar line of business

> 80% of total revenue from the current line of business for which the loan is sought for

< 30% of total revenue from the current line of business for which the loan is sought for; with > 50% of the revenue coming from similar line of business

> 50% of total revenue from the current line of business for which the loan is sought for; with > 30% of the revenue coming from similar line of business

How long (in terms of years) has the business entity been in operation? *

Start-up business (0 years)

Less than 2 years

Between 2-5 years

Between 5-10 years

More than 10 years

Does the business entity have all necessary documents/licenses to run the business? *

Business entity does not have key documents/licenses in place and does not have the necessary information in place

Business entity does not have the full documents/licenses in place but has the necessary information to apply for and get it ready within 3 months

Business entity does not have the full documents/licenses in place but is in process of applying for it

Business entity has all documents/licenses in place

Are the business entity's sales affected by seasonality? *

70% of the sales happen in 2 months period (1-2)

70% of the sales happen in 4 months period (3-4)

70% of the sales happen in 6 months period (5-6)

70% of the sales happen in 8 months period (7-8)

70% of the sales happen in 10 months period (9-12)

What is the average length of the relationship with the top 3 customers? *

1-2 years (irrespective of tenure of business)

3-5 years (if tenure of business is > 5 years) OR 2-3 years (if tenure of business is less or equal to 5 years)

More than 5 years (if tenure of business is > 5 years) OR more than 3 years (if tenure of business is less or equal to 5 years)

Who are the target customers of the business entity? *

Company's customers are mainly retail customers (B2C)

Company’s customers are mainly larger in size -state owned/government enterprises (SOEs)

Company’s customers are mainly larger in size -large private companies

Company’s customers are primarily SMEs (B2B) of similar size as compared to borrower

Company’s customers are mainly SMEs (B2B) of smaller sizes than borrower

What are the credit terms that the customer has with their suppliers? *

No credit terms offered from supplier to the borrower

Credit terms offered periodically (only when asked)

Credit terms up to 15 days

Credit terms up to 1 month (30 days) (Take average Credit term)

What is the degree of dependence on one or few suppliers? Zero-W *

Supplies solely from one supplier

Sources from one or few key suppliers and it is not easy to switch suppliers

Sources from few key suppliers by choice and can generally switch suppliers if required

Sources from multiple suppliers with no concentration on single supplier OR sources from one/two suppliers with strategic partnership arrangements (contract in place)

How well thought-out is business entity/business owner's business plan? *

No business plan

Business plan is based on overly optimistic assumptions

Business plan is based on reasonable assumptions, but does not clearly identify or is unaware of key risks involved

Business plan based on reasonable assumptions, can identify or is aware of risks involved but does not have a specific plan to mitigate risk

Business plan based on reasonable assumptions, can identify and is aware of risks involved and has well-defined plans to mitigate the risk

What is the purpose of the loan for? *

Loan is used to finance a new business unrelated to existing business

Loan is used to finance a business closely related to the current business (including backward/forward integrations) but borrower does not have a clear delineation of required items

Loan is used to finance a business closely related to the current business (including backward/forward integrations) with clear delineation of required items for financing

Loan is used to run/expand existing business but borrower does not have a clear delineation of required items

Loan is used to run/expand existing business with clear delineation of required items for financing (i.e. inventory, equipment, machinery)

What is the maximum length of delinquency days the business entity has over the last 12 months? *

More than 90 days

61 to 90 days

31 to 60 days

16 to 30 days

0 to 15 days

Does the business owner have loans with other banks or private moneylender? *

Other existing loans present; Given the existing loans, ICR and/or DCR has exceeded the allowable limit

Other existing loans present; With the new loan application, the ICR and/or DCR levels of all loans will exceed the allowable limit

No other loans present; ICR/DCR will exceed the allowable limit with the new loan

Other existing loans present; With the new loan application, the ICR and/or DCR levels of all loans will be within the allowable limit

No other loans present; ICR/DCR will remain below the allowable limit with the new loan

Does the business entity have a good relationship with our Bank? *

Borrower has exited its relationships with MI bank over last 3 years

Borrower has reduced its level of relationship with MI bank over last 3 years

Borrower maintains the same level of relationship (# of accounts, account level) with MI bank over last 3 years

Borrower has increased its relationship with MI bank (more accounts, increase account levels) over last 3 years

Is the loan a take over from other banks or private moneylender? *

Yes, the proposed facility is a take over from private money lender. Reason for change in bank is not acceptable

Yes, the proposed facility is a take over from other banks. Reason for change in bank is not acceptable

Yes, the proposed facility is a take over from private money lender. Reason for change in bank is acceptable

Yes, the proposed facility is a take over from other banks. Reason for change in bank is acceptable

No, the proposed facility is not a take over

Profit ratios? *

Net profit ratio < 0

0% =< Net profit ratio =< 5%

5% =< Net profit ratio < 10%

10% =< Net profit ratio < 15%

Net profit ratio > 15%

Does the borrower have collateral with clean title to pledge? *

No collateral available to pledge against loan

Collateral available to pledge but title to the collateral is not clear with no possibility to clear

Collateral available to pledge but title to the collateral is not clear with possibility to clear

Title clear: Collateral valuation exceed the 70% LTV threshold

Title clear; Collateral valuation is within the 70% LTV threshold

Liquitdity ratios *

Current ratio < 1

Current ratio > 1

Current ratio > 2

Current ratio > 3

Current ratio > 4

What is the trend in sales turnover and profitability (EBITDA) in the last 3 years? *

The company sales is decreasing month-on-month/year-on-year

The company sales is flat month-on-month/year-on-year

The company sales is increasing month-on-month/year-on-year but EBITDA has been decreasing

The company sales is increasing month-on-month/year-on-year but EBITDA has been flat

The company sales is increasing month-on-month/year-on-year and EBITDA has been increasing

What is your gender? *

Male

Female