📂 NBFC Underwriting Entry Options

Choose to enter details manually or use an Excel spreadsheet template to auto-populate Sheets 2 & 3.

⚠ Enter applicant demographics, verified business parameters, asset details, and third-party references below.
👤 Customer / Applicant Profile Primary
👥 Co-Applicant Details Joint
🤝 3rd Party Guarantor Guarantor
🏪 Enterprise & Business Profile Underwriting
💰 Proposed Loan Terms Facility
🏠 Asset Portfolio & Net Worth

Property 1

Bank Accounts & Liquid Funds

📋 Existing Financial Obligations (Customer)
Institution Loan Amt ($) Monthly EMI ($) Outstanding ($) Tenor Paid Balance Tenor To Close? Ever Overdue?
⚠ Enter cash book observations, operating expenses, and product-level unit costs. Real-time normalization applies automatically.
📈 Sales Memo / Cash Book Register
PeriodDayAmount ($)
Last Month5th
15th
25th
2 Months Back5th
15th
25th
3 Months Back5th
15th
25th
Average Daily Sales 0
📉 Purchase Memo / Cash Book Register
PeriodDayAmount ($)
Last Month5th
15th
25th
2 Months Back5th
15th
25th
3 Months Back5th
15th
25th
Average Daily Purchase 0
🏦 Bank Balance Observations (6 Months)
Month5th ($)15th ($)25th ($)
Month 1 (Last Month)
Month 2 (2M Back)
Month 3 (3M Back)
Month 4 (4M Back)
Month 5 (5M Back)
Month 6 (6M Back)
Average Bank Balance 0
💸 Monthly Operating Expenses & Guarantor Other Income

Customer Operating Expenses ($)

Shop/Factory Rent
Electricity
Staff Salary
Telephone/Internet
Transport/Conveyance
Gas and Water
Repair and Maintenance
Diesel for Generator
Marketing
Labour Expense
Society Bill & Security
Tax
Entertainment
Other Business Expenses
Total Operating Expenses $0

Policy & Guarantor Parameters

🛒 Trading Products Unit Margin
# Product (Sale)Units SoldSale Price/Unit Product (Purchase)Units Purch.Purch Price/Unit RevenueCostMargin %
1---
2---
Weighted Average Trading Margin - - -
🔒 All credit outputs, debt service ratios, cash flow projections, and loan recommendations are computed dynamically.
Avg Monthly Sales i
Normalized monthly sales using active working days. Equal to register sales unless capped by seasonality or lower of stated sales.
—
$ / month
Avg Monthly Purchases i
Normalized monthly purchases using active working days. Equal to the maximum of register purchases average and stated purchases.
—
$ / month
Net Business Profit i
CFA 1.0 policy-adjusted profit: Math.min(rawNetProfit, lowestGPM * avgMonthlySales) to apply GPM risk-adjustment limits.
—
$ / month
Actual GP Margin i
Actual gross profit margin computed under verified cash flow: (Avg Sales - Avg Purchases) / Avg Sales.
—
% of sales
Net Profit Margin i
Risk-adjusted Net Profit Margin: Net Business Profit / Avg Monthly Sales.
—
%
Eligible Monthly EMI i
Triangulated underwriting capacity. Minimum of: 1) Debt Burden Surplus, 2) Affordable EMI, and 3) Monthly Cash in Hand.
—
$
Max Loan Amount WST i
Max Loan Amount WST from Excel Output Sheet Row 52 (C52): MIN(Eligible Loan Amount (P), Loan Applied (S)).
—
WST
Debt Burden Ratio (DBR) i
Final Monthly EMI / Total Monthly Surplus. Capped by policy limits (40% for business, 50% for salaried co-applicants).
—
Cap: 40%
Bank Balance : EMI Ratio i
6-Month average bank balance divided by Final Monthly EMI. Measures buffer capacity against repayment obligation.
—
Ratio
Additional Working Capital Required i
Additional Working Capital Required (WST) from Excel Output Sheet Row 38 (H38 / I38): IF(WC Required > Current WC Funded, WC Required - Current WC Funded, 0).
—
WST
📊 Cash Flow Statement (Customer vs. 3rd Party Guarantor)
A
Total Business Cash Inflow i
Normalized monthly business revenue: Math.max(registerSales, lowerOfStatedSales), capped by seasonality limit.
 — —
Agriculture Income (Guarantor)—0
Rental Income (Guarantor)—0
Salary Income (Guarantor)—0
A
Total Cash Inflow i
Combined cash inflow: Business Cash Inflow + Guarantor Non-Business Incomes.
 — —
Purchases (Risk-Adjusted)——
Shop / Factory Rent——
Electricity——
Staff Salary——
Telephone & Internet——
Transport & Fuel——
Gas and Water——
Repair and Maintenance——
Diesel for Generator——
Marketing——
Labour Expense——
Society Bill & Security——
Tax——
Entertainment——
Other Operating Expenses——
B
Total Outflows i
Sum of risk-adjusted purchases (Raw purchases or Stated max) and business expenses.
 — —
C
Net Profit from Business i
Business surplus: Total Cash Inflow (A) - Total Outflows (B).
 — —
D
Net Profit Considered (GPM-Capped) i
Net profit considered under conservativeGrossProfitMargin rule: Math.min(netProfitC, lowestGPM * Sales).
 — —
E
Total Monthly Surplus i
Customer risk-adjusted net profit (capped by lowest GPM) + Guarantor total surplus.
 — —
F
Total Monthly Surplus (F) i
Customer and Guarantor monthly surplus values in local currency ($).
 — —
G
Policy Debt Burden % i
Policy maximum debt burden ratio (40% for business, 50% for salaried co-applicants).
 — —
H
Eligible EMI (under Debt Burden) i
Debt capacity limit: Total Monthly Surplus (E) * Policy Debt Burden % (G).
 — —
I
Existing Loan EMI Obligation i
Sum of current active loan monthly repayments (obligations must be subtracted).
 — —
J
Balance Surplus for New Facility i
Net available EMI capacity: Eligible EMI (H) - Existing EMI Obligation (I).
 — —
K
Customer Affordable EMI i
Self-declared affordable monthly payment capacity entered by the officer.
 — —
L
Monthly Cash in Hand i
Verified cash balance observed at the end of the month. Capped by policy.
 — —
M
Final Triangulated Eligible EMI (Min J, K, L) i
Triangulated capacity: Math.min(Balance Surplus (J), Affordable EMI (K), Cash in Hand (L)).
 — —
P
Eligible Loan Principal Capacity i
Lending capacity based on Eligible EMI: PV(Proposed ROI / 12, Tenure, Eligible EMI (M)).
 — —
S
Loan Amount Applied i
Total facility amount applied for by the customer (Excel Row 51 C51: Loan Applied WST).
 — —
T
Max Loan Amount WST i
Output Sheet Row 52 (C52): MIN(Eligible Loan Amount (P), Loan Applied (S)).
 — —
U
FINAL RECOMMENDED LOAN AMOUNT i
Policy Recommendation: Math.min(Eligible Loan Principal Capacity (P), Applied Loan Amount (S)).
 — —
V
FINAL MONTHLY EMI i
Computed actual monthly obligation: PMT(ROI / 12, Tenure, Final Recommended Loan Amount).
 — —
🏗️ Capital Expenditure (CapEx) Assessment
Total Cost of Asset (CapEx) i
Total purchase cost of capital expenditure items requested.
 —
Loan Amount for CapEx i
Facility amount proposed/allocated for capital items.
 —
Customer Equity Contribution i
Customer's share: Cost of Asset - Loan Amount for CapEx.
 —
Customer Equity % i
Equity contribution ratio: Customer Equity / Cost of Asset.
 —
Minimum Policy Margin %15.00%
Eligibility Status —
🔄 Working Capital Cycle Analysis
Debtor Days i
Average collection period: (Debtors / (Avg Sales * 12)) * 365.
 —
Stock Days i
Average inventory holding period: (Stock / (Avg Purchases * 12)) * 365.
 —
Creditor Days i
Supplier credit payment period: (Creditors / (Avg Purchases * 12)) * 365.
 —
Net Working Capital Cycle i
Cycle length: Debtor Days + Stock Days - Creditor Days. Output Sheet Row 29 / 35.
 — Days
Annual Sales (WST) i
Normalized annual sales volume: (Avg Monthly Sales * 12) * (1 + Sales Growth). Output Sheet Row 34.
 —
Working Capital Required (WST) i
Projected working capital needed: Annual Sales * (NWC Cycle Days / 365). Output Sheet Row 36 (H36 / I36).
 —
Current Working Capital Funded (WST) i
Existing net working capital funded: Debtors + Stock - Creditors. Output Sheet Row 37 (H37 / I37).
 —
Additional Working Capital Required (WST) i
Incremental working capital needed: IF(WC Required > Current WC Funded, WC Required - Current WC Funded, 0). Output Sheet Row 38 (H38 / I38).
 —
Customer Equity / Margin (WST) i
Borrower equity contribution towards working capital: Additional WC Required - Final Loan Amount. Output Sheet Row 39 (H39 / I39).
 —
Customer Equity / Margin % i
Customer equity percentage: Customer Equity / Additional Working Capital Required. Output Sheet Row 40 (H40 / I40).
 —
📂 Appraisal Records & Session History
📋
No appraisal records saved in this session yet. Complete the form and click "Save Entry to Database".
ID Timestamp Submitted By Customer Name Enterprise Loan Applied ($) Final Eligible Loan Final EMI DBR % Decision Actions
📋 Appraisal Records & Detailed Data Browser

🛡️ Credit Risk & System Administration Dashboard

Manage user accounts, roles, access permissions, and underwriting audit logs

Total System Users
—
Active Accounts
Total Appraisals Saved
—
System Records
Approved Applications
—
Qualified Loans
Total Loan Volume
—
WST Total
👥 User Management & Role Assignments
User ID Full Name Email Address Role & Permissions Assigned Branch Registration Date User Actions
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📊 Loan Officer Activity Breakdown
Officer Name Email Role Branch Appraisals Submitted Total Approved Volume
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📑 User-Wise Appraisal Data Entries & Section Inspector
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Total Entries: 0 Total Volume: $0
ID Date Submitted By Customer Name Enterprise / Segment Loan Applied ($) Final Eligible Loan Final EMI DBR % Decision Actions
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🗄️ Removed / Archived Appraisal Records (Trash / Safe Storage) 0 records

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ID Date Removed Removed By Customer Name Enterprise / Segment Loan Applied ($) Eligible Loan ($) Decision Actions
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