Obtaining a bank loan or a lease for your company largely depends on the quality of the financial-accounting file presented to the credit institution. Banks and leasing companies make decisions based on the numbers in your accounting documents, not your verbal promises. An incomplete or sloppily prepared file can result in the rejection of financing or worse terms than those for which your company would be eligible.
Strategic Cont Expert prepares the financial and accounting documentation necessary for obtaining bank loans, financial leasing, operational leasing and other forms of financing for companies in Bucharest. With 22 years of experience (since 2004), we know what documents the banks require, how to present the figures and how to argue the ability to repay.
—
What is included in the documentation service for credits and financing
Basic financial documentation:
- Balance sheet and financial statement for the periods requested by the bank
- Up-to-date trial balance
- Profit and loss account for the last 1-3 years
- Cash flow statement
- Record of debts and receivables (overdue invoices, existing loans)
Analyzes and specific reports for funders:
- Financial-accounting analysis of the company’s economic activity
- Liquidity, solvency and profitability ratio
- Financial projections for the repayment period
- Explanatory note of the financial situation, adapted to the bank’s requirements
Fiscal and legal documentation:
- Tax clearance certificates (issued by ANAF)
- Excerpts from Revisal and staff situation
- Copies of submitted tax returns (D100, D300, D101)
- Updated articles of association and ONRC registration certificate
- The decision of the AGM regarding the contracting of the loan
Financial and operational leasing:
- Preparation of the complete file for car and equipment leasing companies
- Financial statement in the format requested by the financier
- Assist in clarifying credit analyst observations
—
Types of financing for which we prepare the documentation
- Investment loans – purchase of equipment, machines, commercial vehicles, real estate
- Working capital loans – financing current activity, stocks, covering cash-flow gaps
- Financial leasing – vehicles, machinery, IT or production equipment
- Operating lease – car fleet or equipment without capital immobilization
- Lines of credit – revolving credit for companies with variable liquidity needs
- European funds – accounting documentation for non-reimbursable financing files (POR, PNRR, SME funds)
—
How we work
1. Analysis of the current situation
We analyze the financial situation of your company and the type of financing requested. We identify from the start if there are any issues that could be problematic for the bank and how they can be fixed or explained correctly.
2. Collection and verification of documents
We compile all the necessary accounting and tax documents: balance sheets, balance sheets, ANAF statements, Revisal extract. We check that the figures are correct and consistent between documents – an inconsistency in the file can lead to rejection.
3. Preparation of analysis reports
If the bank or financier requests a financial analysis or cash-flow projections, we prepare them in a professional and credible format. We do not fill in optimistic figures – we present the real situation in the best possible way.
4. Assistance during the process
Banks often request additional documents or clarifications during the review. We are available to respond quickly to any credit analyst request without blocking approval due to missing documents.
5. Post-approval
If the financing is approved, we help you to correctly register the loan or lease in the accounting and follow the commitments to the financier (periodic reports, compliance with financial covenants).
—
Why professional documentation matters
A well-written dossier doesn’t change your firm’s numbers – but it makes the difference between approval and rejection. The credit analyst assesses the risk based on the documents: a clear, well-structured financial statement without inconsistencies conveys professionalism and seriousness.
- Fewer additional requests – a complete file from the first submission speeds up the process by 1-2 weeks
- Better conditions – a company with clear documentation and a clean fiscal history can negotiate lower interest rates
- Avoiding technical rejections – many files are rejected not because of the company’s performance, but because of missing or erroneous documents
- Knowledge of the process – we know what the main banks in Romania require and we prepare the file accordingly
—
let’s talk
Frequently asked questions about documentation for business loans
What documents do banks require for a loan for companies in Romania?
The standard package includes: the last 2-3 annual balance sheets, the last monthly balance sheets (3-6 months), bank account statements (6-12 months), tax attestation certificate ANAF, company documents (ONRC registration certificate, articles of incorporation). Some banks also ask for financial projections or business plans. We prepare the whole package adapted to the requirements of the bank you are negotiating with.
How long does it take to prepare a credit file for a company?
As a rule, 3-7 working days if the accounting documents are up to date. If there are delays in accounting or missing tax returns, the duration increases. That is why we recommend that you contact us at least 2 weeks before the deadline for which you need the file.
Can you prepare documentation for European funds or PNRR?
Yes. We prepare the necessary financial and accounting documentation for non-reimbursable financing files – financial statements, reports, projections. We do not offer consultancy for writing financing projects, but we collaborate with consultants specialized in accessing funds to whom we can refer you.
If my company has tax arrears, can I still get a loan?
Tax arrears are problematic for any funder. Before starting the lending process, we help you regularize your tax situation and obtain a clean tax attestation certificate. Sometimes the situation can be resolved faster than you think.
Related Services
Credit documentation is based on accurate and up-to-date accounting:
- Financial accounting, proper accounting is the foundation of any funding file
- Tax consultancy, tax planning and clearing the ANAF situation before filing
- Internal audit, the independent verification of the financial situation for financiers requesting an audit
- All our services, integrated accounting, tax and consultancy package for companies in Bucharest
If you are looking for financing and need professional documentation or want to know from the start if your company is eligible for the desired loan, call us at +40730 004 166 or write to us at office@strategicexpert.ro. Our headquarters are in Calea Plevnei 145b, Orhideea Gardens, Bucharest.