Business funding · Bootstrapping and Internal
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The most important process in this entire artifact. Most businesses fail to get funded not because they don't deserve capital, but because they walk into a bank or investor meeting unprepared. This is the master checklist: every document, every metric, every question you will be asked, and how to have the right answers.
RBI MSME Guidelines; Companies Act 2013; DPIIT Startup; SEBI AIF Regulations
Bank loan readiness, 10 documents: (1) Last 3 years ITR with computation. (2) Last 3 years audited P&L and Balance Sheet. (3) Last 12 months bank statements, all accounts. (4) GST returns last 12 months. (5) Udyam/MSME registration certificate. (6) Business incorporation certificate (CoI, partnership deed, or Udyam). (7) Property documents (if secured loan). (8) Promoter KYC, PAN, Aadhar, passport size photo. (9) Fund utilisation plan, how exactly the loan will be used. (10) Repayment projection, how the EMI will be serviced from business cash flow. Government scheme readiness: PMEGP: Udyam + DPR + EDP training certificate + bank account proof. CGTMSE: Udyam + financials + fund utilisation plan. Stand Up India: SC/ST/women certificate + project report + Udyam. Mudra: Aadhar + PAN + business plan for Tarun (> ₹5L). Startup India SISFS: DPIIT recognition + pitch deck + financial model.
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