LOAN evaluation and approval is the process a business or an individual must go through to become eligible for a LOAN or to pay for goods and services over an extended period. It also refers to the process businesses or lenders undertake when evaluating a request for LOAN. Granting LOAN approval depends on the willingness of the LOAN or to lend money in the current economy and that same lender's assessment of the ability and willingness of the borrower to return the money or pay for the goods obtained— plus interest—in a timely fashion. Typically, small businesses must seek LOAN approval to obtain funds from lenders, investors, and vendors, and also grant LOAN approval to their customers.


In general, the granting of LOAN depends on the confidence the lender has in the borrower's LOAN worthiness. LOAN worthiness—which encompasses the borrower's ability and willingness to pay—is one of many factors defining a lender's LOAN policies. LOANers and lenders utilize a number of financial tools to evaluate the LOAN worthiness of a potential borrower. When both lender and borrower are businesses, much of the evaluation relies on analyzing the borrower's balance sheet, cash flow statements, inventory turnover rates, debt structure, management performance, and market conditions. LOANers favor borrowers who generate net earnings in excess of debt obligations and any contingencies that may arise.

Capital Flows one of the business services platforms in India, providing various of services like GST migration, GST registration, GST return filing, privately limited company registration, trademark filing etc, Capital Flow can help you foreign companies and NRIs with end-to-end GST COMPLIANCE services starting from GST registration to GST return filing through a proprietary GST accounting software. The minimum time required to obtain GST registration is about 10 - 15 working days, subject to government processing time and client document submission.

How we help with BANK LOAN RATING

Engagement advisory

Our business except will review your business profilefinancial information LOAN documentation to understand the background of the business.


Based on the information collected our advisory buy advisory bank LOAN rating is provide to the client.

Rating Advisory

Before releasing of rating buy the agency a discussion is completed with the client client and rating agency.

Needs For Evaluating Bank LOAN


working capital

working capital LOAN is given by banks for working capital proposal like holind of investments,recivables and bulit up of other current assets in a business capital, working capital r renwable every year


Bank warranty

It is promise that is made by a bank that liabilities of party will be met by the bank in the event that party fails to fulfill contractual obligation bank warranty are typically requested will executing a large project.


Letter of cerdit

It is type of facility that a bank granting a buyers payment to a seller. If the buyer is unable to the payment on the purpose as per term and conditions of transaction.


Mortgage LOAN

These are the LOANs that are back to buy real property by putting a lean on the property being mortgage.



Short-term financing is a method of raising funds involving financial obligations that need to be repaid within a year or less. It is a fast and flexible way for companies to obtain working capital.