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COMMON DOCUMENT OBTAINING LOCAL AND

FOREIGN INDUSTRIAL CREDIT FACILITY
Wpfreeware 6:49 AM Common document obtaining Bank Loan

Common Documents for Local Industrial Loan

1. Application in Letterhead Pad
2. 1(one) copy passport size photograph of intending borrower(s) as well as
guarantors(s).
3. Valid Trade License
4. Permission from BOI (if applicable)
5. TIN certificate
6. Bank statement for last 6 (six) months (if any)
7. Partnership deed (in case of partnership firm)
8. Memorandum & Articles of Association with certificate of incorporation duly certified by
RJSC (in case of limited company
9. Certified copy of upto date list of directors (Form XII)
10. Financial statement for last 3 years
11. Project Feasibility Report for new project as well as BMRE of existing project.
12. Quotation/ Pro-forma invoice of Machinery
13. Machinery list with layout plan for installation.
14. Original title deed
15. Bia deed , CS, SA, RS & Hal Parcha, Mutation with DCR Upto date rent receipt
16. Site Map/Municipal tax receipt
17. Non-encumbrance certificate
18. Approved plan for construction of building from the competent authority & estimate of
cost of construction( in case of land owned by the project)
19. Survey Report of the fixed assets of the project or other collateral security.
20. Lease agreement (in case of rented premises)
21. Form XVIII/IXX for creation of charges with RJSC.
22. Copy of membership of appropriate association.
 23. CIB report of the borrower

Check List For Foreign Borrowing

1. 1. Copy of Registration (Full set) consistent with your proposal.
2. 2. Loan /Supply Agreement between the parties
3. 3. Board’s Resolution.
4. 4. Application form
5. 5. Repayment Period along with Repayment schedule in details.
6. 6. Grace period of the proposal.
7. 7. Calculation of effective rate of interest.
8. 8. Feasibility report of the project.
9. 9. Financial Analysis in Details:

a) Internal Rate of Return (IRR);

b) Break-Even Analysis;
c) payback Period;
d) Sensitivity Analysis;
e) Debt Service Coverage Ratio (DSCR) analysis;
f ) Debt- equity ratio of the project. 1

10. 10. Memorandum & Articles of Association (Certified copy).

11. 11. Certificate of Incorporation with Joint Stock Company.
12. 12. Relevant inquiry forms (CIB-1A, CIB-2A, CIB-3A) and under taking from sponsors
Director duly filled in for collection of up-to-date CIB report form Bangladesh Bank.
13. 13. Proforma Invoice/Price Quotation through international tender for importing of capital
machinery.
14. 14. Bank certificate as to indebtedness and creditworthiness of the borrowing company
and its sponsors based on latest CIB report.
15. 15. Certificate from BRTC, BUET in respect of Quality, Price and Economic life capital
machinery to be imported (in case of supplier’s credit only).
16. 16. Encashment certificate, C-form, & Bangladesh Bank report documents regarding
these proposal (to be collect from Authorised Deller bank).
17. 17. Utilization of the said loan with proper banking documents.
18. 18. Equity encashment certificate of the project with proper banking documents.
19. 19. Credential of the Sponsors.
20. 20. Track record of FDI including foreign borrowing.
 Check list for bank loan


Check list for bank loan List of Required Papers in case of making loans : Lack of preparation of the

required documents and sufficient idea regarding the necessary precautions in getting bank loans are

observed among many SME entrepreneurs. For providing loans the required documents which are

collected from applicants by bank and non-bank financial institutions have been presented in a

checklist by SME Foundation in order to facilitate the entrepreneurs. Note that in this case, lending

decision is entirely taken by the concerned authorities of the banks and non-bank financial institutions

on its own policy. Checklist prepared by SME Foundation will be helpful for the entrepreneurs

interested in taking bank loans. Any advice in that regard can be taken from the nearest branch of a

bank. Besides of this, SME Foundation’s Business Support Services Center (5th Floor, Royal Tower,

panthapatha, Karwan Bazar, Dhaka) may be contacted.

Essential Papers:

1. Update license.

2. Current bank account in the name of the business organization.

3. National identity card / passport photocopy.

4. Minimum of 6 months to 3 years, the bank reports (different needs of different banks).

5. Shop / house rental agreement/ location document.

Other papers (depending on type and size of business):

1. Taxpayer identification certificate (TIN)

2. List of active stock and its current value.

3. List and value of fixed assets.

4. The total amount of debt and over-statement

5. Details of official statements of debt (if any)

6. Value Added Tax (VAT) certificate (if applicable).

7. Paid business electricity bills.

8. Paid business telephone bills.

9. Employee name, last name and a list of monthly wages (payroll).

10. Bangladesh Bank IOI report. Here, to note that the form of this report is provided by

corresponding financial institutions to entrepreneurs and when entrepreneurs fill up the forms, these

financial institutions complete the formalities to collect reports from the Bangladesh Bank.
Mentioned papers are broadly required to all banks and non-bank financial institutions to receive

credit. Also, banks and non-bank financial institutions collect other required documents and

information from the applicant, if necessary.