How Our Process Works

A step-by-step guide to our application and approval process

Application Process Flow

Follow these steps to complete your application

Gather all required documentation

Ensure all legal requirements are met

Evaluation of financial viability

Final review and decision

Comprehensive documentation is essential for application success

Business Plan: Must include detailed project scope, 3-5 year financial projections, and clear funding breakdown showing capital requirements and sources.
Audited Financial Statements: Minimum 2 years (preferably 3) of complete financial records including balance sheets, income statements, and cash flow reports prepared by a certified auditor.
Equity and Debt Structure: Detailed breakdown showing all stakeholder contributions (minimum 30% equity typically required) and existing liabilities with repayment terms.

Legal Registration: Certified copies of Certificate of Incorporation, Tax Identification Number, Articles of Incorporation, and business licenses.
Ownership Documents: Clear title deeds or long-term lease agreements (minimum 10 years), plus soil suitability reports for agricultural projects.
Environmental Compliance: For applicable projects, include approved Environmental Impact Assessment reports, sustainability plans, and all relevant government permits.

Project Timelines: Detailed Gantt chart showing key milestones with realistic timeframes for execution and completion phases.
Fund Management: Comprehensive strategy for financial management including quarterly projections and contingency plans.
Risk Assessment: Identification and mitigation strategies for operational, financial, and environmental risks with assigned responsibilities.

Funding Allocation: Detailed breakdown showing percentage allocation of funds to different project phases with justification.
Cash Flow Projections: Monthly forecasts for first year, quarterly for years 2-3, showing revenue streams and expenditure patterns.
Collateral Documentation: Asset-backed securities valuation reports or personal guarantees from directors with net worth statements.