Funding Readiness Checklist
A senior-team checklist of what institutional lenders, private credit funds and equity investors expect before a serious conversation. Walk through each block and address gaps before going to market.
Get the PDF PDF · 5 sections · 25+ items
What the funding readiness checklist covers
The full contents of the PDF are reproduced below so you can review them before downloading. Prepared for promoters, cfos and finance heads preparing a debt or equity raise.
Corporate & Promoter Hygiene
- Updated MOA, AOA, shareholding pattern and board composition
- Promoter KYC, PAN, Aadhaar, passport and net-worth statement
- List of group entities, related-party transactions and cross-holdings
- Board resolution authorising the capital raise and signatory matrix
- Existing investor / lender consents required for the transaction
Financials
- Audited financial statements for the last 3 financial years
- Provisional / management financials for the current year
- Monthly MIS for the last 12 months (revenue, gross margin, EBITDA, cash)
- GST returns and account statements for the last 12 months
- Tax assessments, pending litigations and contingent liabilities
Business & Operations
- 1-page company snapshot and 10–15 slide investor deck
- 5-year business plan and financial model with clear assumptions
- Customer concentration, contract tenor and renewal pipeline
- Vendor / supplier dependence and substitutability analysis
- Capacity utilisation, unit economics and operating KPIs
Capital Structure & Use of Funds
- Existing debt schedule with rates, tenor, security and covenants
- Cap table — current and post-money
- Specific use of funds and disbursement schedule
- DSCR / ICR sensitivity and covenant headroom analysis
- Exit / refinancing plan for incoming capital provider
Legal, Compliance & Data Room
- Statutory and regulatory licences current and renewed
- Material contracts (customer, vendor, lease, IP, employment)
- Litigation tracker — civil, tax, regulatory and labour
- ESG / environmental clearances where applicable
- Indexed virtual data room with access logging
Frequently asked questions
- What is a funding readiness checklist?
- It is a structured list of the corporate, financial, operational and legal documentation an institutional investor or lender expects to see before committing time to a transaction. Working through it before going to market shortens diligence and improves pricing.
- How long does it take to become funding ready?
- For most mid-market companies with audited financials in place, four to eight weeks is realistic — the long poles are usually the financial model, the data room and resolving legacy legal or tax items.
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