What are the common SME loan appraisal criteria?

What are the common SME loan appraisal criteria?

#1: Viability of the business and its repayment capacity

#2: Surplus operating cash flow projection sufficient to service/repay loan within the agreed tenure

#3: Conduct of existing account is satisfactory

#4: Acceptable Gearing ratio (i.e. % of loan to networth)

#5: Good business/industry outlook

#6: Capability of the management/borrower

#7: Make a presanction visit and is satisfied with the operation of the business

#8: Joint and several guarantee of directors

#9: Any form of acceptable collateral

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