Stay ahead of your lenders — not behind them. Automated stock statements, NPA risk alerts, and covenant tracking keep your banking relationships healthy and your credit access secure.
For businesses with working capital facilities or term loans, maintaining good standing with lenders requires consistent, accurate, and timely reporting. Falling behind on stock statements, breaching covenants, or showing NPA risk signals can damage relationships and restrict credit access at the worst possible time.
Our bank and loan monitoring automation ensures you always have a complete, accurate picture of your banking position. Drawing power is calculated automatically from live inventory and debtor data, covenant compliance is tracked continuously, and early warnings are issued for any risk indicators — giving you time to act before lenders notice.
Loan Portfolio Mapping
We map all your existing credit facilities — cash credit, OD, term loans — including sanction conditions, reporting obligations, and covenant terms.
Live Data Integration
Inventory, debtor, and financial data feeds are connected to continuously calculate your drawing power and credit utilisation in real time.
Automated Stock Statements
Monthly stock and debtor statements required by your bank are prepared and submitted automatically — in the exact format your lender requires.
NPA Risk Monitoring
AI monitors key indicators — cash flow, overdue EMIs, irregular transactions — and alerts you to NPA risk signals before they reach the bank’s radar.
Covenant Tracking
Financial covenants (DSCR, current ratio, leverage ratios) are monitored monthly. Covenant breach projections trigger advance warnings with remediation options.
Key Benefits
Proactive lender management turns your banking relationships from a source of stress into a source of strategic strength and competitive advantage.
Protected Credit Access
Consistent, accurate lender reporting maintains your credit standing and protects access to working capital when your business needs it most.
Zero Compliance Lapses
Automated reporting ensures no stock statement, QIS, or required submission is ever delayed or missed — keeping you in full compliance with sanction conditions.
Early Risk Warnings
Advance notice of NPA risk and covenant stress gives you weeks to take corrective action — rather than reacting after lenders have already taken note.
Better Renewal Terms
A track record of accurate, timely lender reporting strengthens your negotiating position at renewal — often resulting in higher limits or lower interest rates.Your team’s time is freed for analysis, advisory, and strategic work — not repetitive bookkeeping tasks.
FAQs
Key questions about our bank and loan monitoring service and how it protects your credit relationships.
We support all major PSU banks, private banks, and NBFCs operating in India. Reporting templates are configured to match each lender's specific format requirements for stock statements and QIS submissions.
Drawing power is calculated from live inventory and debtor data, applying your bank's specific margin and eligibility rules. The calculation is updated automatically as inventory and collection positions change.
Absolutely. We track all standard financial covenants including DSCR, current ratio, debt-to-equity, TOL/TNW, and any custom ratios specified in your sanction letter. Threshold breach projections are updated monthly.
Yes. Consistent, accurate reporting history is one of the most powerful factors in credit renewal negotiations. We also prepare the financial documentation required for limit enhancement applications.
Consult Now
Proactive bank monitoring and automated reporting keeps your lender relationships strong and your credit facilities secure. Let’s talk.
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+91 89555 70368
founder@accrevise.com
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