For Loan Agents
MSME Loan File Checklist for Loan Agents
You already know the forms. The file usually gets stuck when the story between the forms is unclear.
A good file helps the credit team understand the business without guessing.
Story check (five minutes)
- Borrower can explain price → cost → volume in plain language
- Sales assumptions match capacity (staff, hours, equipment)
- EMI is tied to cash left after real costs - not headline profit
- Slow weeks or seasonality are acknowledged, not hidden
Document alignment
- KYC and business proof match the entity on the application
- Bank statements support the cash timing in the plan
- GST/ITR (where applicable) do not contradict the operating story
- Collateral or guarantor details match the lender policy you are targeting
Red flags worth fixing before submit
- Project report totals that ignore real operating limits
- Missing variable costs (packaging, commissions, wastage)
- Repayment shown only on annual profit, not monthly cash
- Multiple versions of the same numbers across attachments
How DshaVault helps DSAs
Borrowers can build a structured plan first; you review the same object instead of rebuilding from WhatsApp notes.
Resume links let you track progress and intervene when the story is still fixable—before it is frozen in a weak DPR.
Spend your time on lender fit and follow-up - not on rebuilding basic details the borrower should have clarified upfront.