The bank didn’t reject the idea. It rejected the report.

Good ventures stall because the project report cannot answer one simple question from the lender: how will this loan be repaid, even in a bad year?

Why it happens

• The report is written to impress, not to be appraised. Long on vision, short on the debt-service coverage, break-even and sensitivity tables a credit officer turns to first.
• Numbers cannot be traced. Capacity, prices and costs appear without quotations, market evidence or a working that someone else can check.
• Assumptions are stretched to clear the bank’s norms. Appraisal teams see this every day, and one inflated figure puts the whole report in doubt.
• The format does not match the lender or the scheme, so the file goes back with questions instead of moving forward.

What to do instead

• Start from the lender’s questions: repayment, security, promoter contribution, and what happens if sales are 20% lower or a month later.
• Make every number traceable to a quotation, a market source or a stated assumption.
• Run sensitivity tests honestly and show them, even when they are uncomfortable.
• Use the structure the bank or scheme expects, with a financial model the appraiser can open and follow.

How BizTek helps

Our DPRs are built to be approved on first reading: every figure traced to a source, lender-ready ratios and sensitivity tests, and an Excel model the appraisal team can check. If the idea itself needs a hard look first, an Idea Check gives you an honest go / no-go before you spend on a full report.

DPR Services