Beruflich Dokumente
Kultur Dokumente
TO BE COMPLETED
BY
Page 0 of 21
INSTRUCTIONS
Please read the following before completing this questionnaire
1) The information asked for in this questionnaire is to assist the Bank in
reaching a quick decision on your application. The time of processing
the application is therefore dependent on the quality of information
provided.
3) This form is only guidance and the space provided may not contain
your response. Please use extra sheet and indicate so (with
appropriate reference).
4) Please feel free to provide any other information that will assist in
understanding your request from the Bank.
Page 1 of 21
1. NAME OF COMPANY : Enprolos Nigeria Limited
2. ADDRESS OF COMPANY
4. STATUS: Expansion
7. TENOR: 24 Months
8. MORATORIUM: 3 Months
10. PRICING:
o Interest Rate: x%
o Appraisal Fee: 1%
o Commitment Fee: x%
o Monitoring Fee:x%
11. SECURITY ARRANGEMENT: 4 bed room bungalow City homes Estate
Logogoma Abuja. Open market value: N30, 000,000. Registered
Deed of Assignment.
(e.g. landed property, Bank Guarantee, Individual Guarantors etc.)
Specify;
Landed Property (Give Description of the property, the open
market and force sale values, title to the property must be either
a certificate of occupancy or registered Deed of Assignment).
xxx xxx xxx xxx xxx xxx xxx xxx xxx xxx xxx xxx xxx xxx xxx xxx xxx
xxx xxx xxx xxx xxx xxx xxx xxx xxx xxx xxx xxx xxx xxx xxx xxx xxx
xxx xxx xxx xxx xxx xxx xxx xxx xxx xxx xxx xxx xxx
Page 2 of 21
Bank Guarantee (State the proposed issuing bank and provide a
letter of intent from the head office of the bank):
xxx xxx xxx xxx xxx xxx xxx xxx xxx xxx xxx xxx xxx xxx xxx xxx xxx
xxx xxx xxx
o Obligor Limit
TOTAL
Page 3 of 21
13. BACKGROUND INFORMATION:
a) Date of Incorporation: 16th January 2007
b) Registration Number: RC 678444
c) Authorized Share Capital: 1,000,000
d) Paid-up Share Capital: 1,000,000
(By Bank Policy, the Company’s paid-up share capital must be at least
25% of the loan request).
e) Ownership:
Shareholding Structure (for shareholdings from 5% and above.)
Bank % Board
Verification Holding Representation
S/ Shareholder
No. (BVN)
N Existing Propose
d
1 Adegboyega Adeyemi 22192318750 50 xxx xxx
f) Corporate Shareholders:
(If available provide the names of the shareholders of the Corporate
Shareholders)
Bamidele Adeyemi
Bukola Adeyemi
For each Board Member provide Schools Attended with Qualification(s) and Dates.
o Provide information on their relevant experience, organisation/position held with
dates
Page 4 of 21
i) Management Profile:
Adegboyega Adeyemi
Toye Fadare
Abimbola Ayandibu
o For each Management Staff provide Schools Attended with Qualification(s) and
Dates.
o Provide information on their relevant experience, organisation/position held with
dates
o All Management Staff must have requisite cognate experience in the business.
o In particular, the Production Manager should have upward of 5 years’ experience in
the production technology.
Capacity
(Unit)
Total
Additional Price Per
Products Existing (Units) Unit
Xxx Xxx Xxx xxx xxx
Xxx Xxx Xxx xxx xxx
Page 5 of 21
*Status should indicate whether it is performing or non-performing. If it is
non-performing, the reasons should be stated.
Page 6 of 21
17. HISTORICAL FINANCIAL PERFORMANCE:
Audited Accounts or Statement of Accounts. Please state Auditors’ full
names and some of the companies recently audited by them.
Financial Performance Analysis (covering audited financials for at least
the last three years and recent management financial report where the
date of the last audited financials is more than 6 months old).
Start with the earliest year and end with the most recent year (e.g.
Audited 2012, Audited 2013, Audited 2014 & Mgt Account as at July,
31, 2015)
Page 7 of 21
PBT Margin Xxx xxx xxx xxx
LIQUIDITY RATIOS:
Current Ratio xxx xxx xxx xxx
Financial Analysis:
Show key income statement, balance sheet, cash flow numbers
and ratios as stated in the above table. Commentary under this section
should include:
Comment on relevant material movements/ trends only, and
explain the reasons therefore rather than just highlighting it. The
comments should be clear and concise, facts behind the figures.
Highlight and discuss any exceptional and /or extraordinary
items.
Discuss any significant changes expected during the coming
year.
Analyze key ratios.
Page 8 of 21
Month* Dr. Turnover Cr. Turnover
(N’000) (N’000)
Month 1, Year xxx xxx
Month 2, Year xxx xxx
Month 3, Year xxx xxx
Month 4, Year xxx xxx
Month 5, Year xxx xxx
Month 6. Year xxx xxx
Month 7. Year xxx xxx
Month 8, Year xxx xxx
Month 9, Year xxx xxx
Month 10, Year xxx xxx
Month 11, Year xxx xxx
Month 12, Year xxx xxx
TOTAL xxx xxx
AVERAGE xxx xxx
Page 9 of 21
o Information on the credit inquiry reports from Credit Registry
Service (CRS) and CRC Credit Bureau Limited carried out on the
company and its directors and also Inquiry letters sent to banks on
the company.
o Liaise with RMD to conduct Politically Exposed Persons (PEP),
Financially Exposed Persons (FEP) and criminal or fraudulent records
(i.e. Persons in the watch List) checks on the directors of the
company and summarize the findings/outcome of these checks.
Value What Product(s) are you Offering Has the Project secured all the
proposition your customers? What is the requisite regulatory approvals
unique selling features of the e.g. NAFDAC, SON, SONCAP
product that will make it etc.
attractive to the customer?
xxx
Xxx
Channels of How does the company How will your company create
Distribution distribute its products – pick more awareness about its
up by customers from factory, products/services and expand
delivery to customers its customer base.
doorsteps, distributors, depots
etc.
Xxx xxx
How does it How does it keep its cost low? Are there special incentives or
generate discounts to attract customers?
Revenue xxx
xxx
Key Who are Key Partners, Key What percentage of the
Partners Suppliers? Service Providers, company’s inputs (raw
Page 10 of 21
Professional Networks. materials etc.) are supplied by
the key partners
Xxx
xxx
Page 11 of 21
21. PROJECT COST:
The summary of total project cost estimate is as shown below:
Note:
Page 12 of 21
EXISTING ADDITIONAL CONSOLIDATE
D
BOI's
Audited Estimate
Acct as @ as @ Foreig
xx/xx/xxxx xx/xx/xxxx n Local
N'000 N'000 N'000 N'000 N'000 %
Net Tangible xxx Xxx xxx xxx xxx xxx
Asset/ Equity
xxx Xxx xxx xxx xxx xxx
BOI Term Loan
xxx Xxx xxx xxx xxx xxx
Working Capital
Total Project xxx Xxx xxx xxx xxx xxx
Cost
Page 13 of 21
S/N WORKING CAPITAL AMOUNT Source (state
(State Facility =N='m the commercial
type/Tenor Bank)
xxx xxx xxx xxx
xxx xxx xxx xxx
TOTAL
Information on the commitment of the commercial bank must be stated
hereunder. Concrete arrangements of securing working capital must be put
in place before BOI can commit to funding the project.
d) Disbursement Milestones:
S/N DESCRIPTION Date
1 1st Tranche xxxx
2 2nd Tranche xxxx
Installation of xxx
Equipment & Machinery
Page 14 of 21
25. TECHNICAL ANALYSIS
a) Machinery and Equipment
List of Items to Be Financed
Total xxx
Details of the P & M to be purchased with supplier(s) details to be
provided
Provide concrete reasons why the preferred suppliers was selected.
Including Quotation Analysis, Warranties, Performance Bond (tenor).
The proformal Invoices of the suppliers should show clearly the
following information about the suppliers; Name of company,
registration number, registered office address, phone numbers, email
and Tax identification Number
b) Technical Management:
Information on who would install the P & M, competence of managers and any
other relevant information should be provided.
If there is a Technical Service Agreement? This should be submitted for
BOI’s review.
xxx xxx xxx xxx xxx xxx xxx xxx xxx xxx xxx xxx xxx xxx xxx xxx xxx xxx
xxx xxx xxx xxx
d) Essential Services:
Provide information on how the factory will access the following essential
services:
Electricity
Water
Steam
Fuel
Spare parts etc.
Page 15 of 21
xxx xxx xxx xxx xxx xxx xxx xxx xxx xxx xxx xxx xxx xxx xxx xxx xxx xxx xxx
xxx xxx xxx xxx xxx xxx xxx xxx xxx xxx xxx xxx xxx xxx xxx xxx xxx xxx xxx
xxx xxx
Qty
Cost/unit Reqd/Month Total Cost
Source
RAW MATERIALS N’000 (Unit) N’000
xxx xxx xxx xxx xxx
xxx xxx xxx xxx xxx
xxx xxx xxx xxx xxx
xxx xxx xxx xxx xxx
TOTAL
Page 16 of 21
27. CASH FLOW PROJECTION WITH ASSUMPTIONS
For SME Loans > N10 million<= N50 million-The cash flow is to be projected on
monthly basis for 60 months and summarized into Six (6) Periods of one (1) year
each.
Period 1 Period 2 Period 3 Period 4 Period 5 Period 6
1. CASH INFLOW (N’000) (N’000) (N’000) (N’000) (N’000) (N’000)
Revenue
Other Income
Term Loan/WC
Debtors
TOTAL CASH INFLOW
(A) xxxx.xx xxxx.xx xxxx.xx xxxx.xx xxxx.xx xxxx.xx
2. CASH OUTFLOW
a. Direct
Raw
materials/Consumables
Management & Labour
Fuel, Electricity and
Water
Maintenance
Fixed Assets Acquisition
b. Indirect
Management and
Labour
Administration and
General Expenses
Advertisement & Selling
Expenses
Interest Payment (H)
Loan Principal
Repayment (G)
Taxes
TOTAL CASH OUTLOW
(B) xxxx.xx xxxx.xx xxxx.xx xxxx.xx xxxx.xx xxxx.xx
3. NET CASH FLOW
Net Cash Flow (C=A-
B) (H
Balance brought
forward
(b/f) (D)
Balance carried
Forward (c/f)
(E=C+D) xxxx.xx xxxx.xx xxxx.xx xxxx.xx xxxx.xx xxxx.xx
Debt Service
Coverage
(F= E/G) x.xx x.xx x.xx x.xx x.xx x.xx
Bear in mind that:
o Amount owed by debtors is to be subtracted in order to obtain
Total Cash inflow for each month
o Balance b/f (i.e. D) for Period 1 is usually zero (Nil).
Page 17 of 21
o Balance c/f (i.e. E) for Period 1 is also the Balance b/f (i.e. D) for
Period 2.
o Debt Service Coverage for each period is Balance c/f (i.e. E)
divided by Loan Repayment (i.e. G +H).
c) JUSTIFICATIONS
List reasons why this investment is necessary and the potential benefits to
the economy of Oyo State and Nigeria in General
i. xxx xxx xxx xxx xxx xxx xxx xxx xxx xxx xxx xxx xxx xxx xxx xxx
xxx xxx xxx
ii. xxx xxx xxx xxx xxx xxx xxx xxx xxx xxx xxx xxx xxx xxx xxx xxx
xxx xxx xxx
iii. xxx xxx xxx xxx x xxx xxx xxx xxx xxx xxx xxx xxx xxx xxx xxx xxx
xxx xxx
iv. xxx xxx xxx xxx xxx xxx xxx xxx xxx xxx xxx xxx xxx xxx xxx xxx
xxx xxx xxx
30. RECOMMENDATIONS
To be completed by BOI
Page 18 of 21
Provide the conditions precedent to Disbursement on a case by case
basis knowing that some of the conditions for some projects will be
peculiar to that project alone.
...................................................................................................
Authorized Signature and Company Stamp / Seal
Date--------------------------------------------------------------------------------
Page 19 of 21
APPENDICES
1. Contact Details of the Company
a. Company’s Phone Number(s)......... xxx.........................................……………….
3. Existing Assets relating to the project with details including factory building.
Status / Remark
Item/Specification Year of Qty Value
S/N
Purchase (₦)
xxx xxx xxx xxx xxx xxx
Page 20 of 21