The documents capital providers expect
The ten-document checklist behind every Dossier request, why each one is asked for and what makes one acceptable.
Core financials
Financial statements for the last two to three years, audited or reviewed where your size requires it. Management accounts for the period since your last year end. Together they show both the track record and the current trading picture.
Bank statements
Six to twelve months for every operating account. Providers use them to confirm that the revenue in your accounts actually arrives, to see the true low point of your balance, and to spot returned items or undisclosed loan repayments.
Ageing reports
Receivables ageing shows who owes you and how late they are; payables ageing shows the same for your suppliers. Concentration and long-overdue balances are read as risk, so annotate anything unusual rather than leaving it to be guessed at.
Contracts and invoices
Signed customer and supply agreements support the durability of your revenue. A handful of representative recent invoices lets a provider tie your pricing and volumes back to the accounts.
Compliance and security
Business registration, VAT or BIR records and tax clearance evidence establish that you can legally borrow and are in good standing. Collateral documents — valuations, titles, asset schedules — support any security you intend to pledge.
What makes a document acceptable
Complete pages, readable scans, matching entity name, and a date inside the window requested. A statement missing its final page or a valuation three years old will be sent back, and each round trip typically costs a fortnight.