Documents to gather before a loan application

Before even looking at your project, a relationship manager checks that the application is complete. A single missing document can stall the review for weeks.

Administrative documents come first: RCCM, national identification, tax number, articles of association for a company, and the manager's ID.

Next come financial items: recent bank statements, financial statements or at least a clear record of income and expenses, and a forecast explaining how the loan will be repaid.

Finally, collateral: property titles, equipment invoices, guarantor commitments. Gathering them in advance shows the banker you are in control of your application.