2026-03-12
What lenders usually query first in a facility application
The first round of lender questions often targets cash-flow timing, guarantor linkage, and exhibit dates — not the headline loan amount.
When a facility pack lands on a credit desk, reviewers rarely open with the requested principal. They look for whether operating cash arrives in the same windows the repayment calendar assumes, and whether guarantor schedules actually connect to the named parties on the cover sheet.
Exhibit dates matter more than applicants expect. A bank statement closed six months before the application date invites a follow-up even when the figures look healthy. The same applies to tax extracts and valuation letters that outlive the lender’s internal freshness rules.
A practical preparation habit: build a one-page exhibit index with document title, period covered, and page count. During a financial audit of applications, that index becomes the spine for cross-checking declared totals against source pages.
If your pack mixes NT$ and foreign-currency lines, state the conversion date once and reuse it. Quiet rate switches between schedules are among the fastest ways to earn a clarification letter.