Bank loans don’t get approved by luck—they’re earned through clarity, credibility, and numbers that make sense. That’s exactly what a RAYHANS project profile delivers.
Why Bank Approvals Are Tough
Banks are not in the charity business. They must protect depositors’ money and reduce default risk. So, when an entrepreneur walks in with a project proposal, the bank looks for:
- Financial viability
- Market demand validation
- Detailed cost estimation
- Break-even timeline
- Return on Investment (ROI)
- Repayment ability
If any of these are missing or vague, rejection is automatic. But that’s where RAYHANS flips the script.
What Makes RAYHANS Project Profiles So Bank-Friendly?
We don’t just create “profiles.” We engineer investment blueprints. Here’s how:
| Feature | Description |
|---|---|
| Industry-Specific Templates | Tailored to match bank expectations for each sector |
| Verified Machinery Quotation | Real prices from actual suppliers, not guesses |
| ROI & IRR Analysis | Shows the long-term return and internal rate |
| Market & Risk Assessment | Proves demand and addresses uncertainties |
| Financial Statements (5 yrs) | Projected P&L, Cash Flow, and Balance Sheets |
| Bank Repayment Schedule | Based on realistic sales and margin forecasts |
Besides that, every report is reviewed internally for technical accuracy and consistency before being delivered.
Case Study: Poultry Feed Mill Project (Approved by Krishi Bank)
RAYHANS prepared a feed mill project profile for a client in Gazipur, and it got greenlit within 25 days. Here’s what the bank loved:
- Complete machinery list with vendor offers
- Three scenarios: conservative, moderate, and aggressive sales forecasts
- 5-year projected ROI of 29%
- Local demand analysis from Upazila & District level
Here’s a budget breakdown:
| Item | Cost (BDT) |
|---|---|
| Land Lease (10 Years) | 15,00,000 |
| Factory Construction | 190,00,000 |
| Feed Mill Machinery (5TPH) | 3,45,00,000 |
| Generator & Electrical Setup | 25,00,000 |
| Working Capital | 240,00,000 |
| Contingency & Others | 20,00,000 |
| Total | 8,35,00,000 |
The bank approved 70% financing, based on this professionally curated profile.
Banks We’ve Worked With
RAYHANS profiles are frequently accepted by:
- Islami Bank Bangladesh Ltd.
- Krishi Bank
- Agrani Bank
- Dutch-Bangla Bank
- BDBL (Bangladesh Development Bank Ltd.)
- IDCOL
- And multiple foreign funding agencies
That’s because we speak the bank’s language—risk management through data.
RAYHANS Process for Bank-Ready Profiles
- Client Interview: Understand your business model
- Data Collection: Land, utility, production, raw materials
- Machinery Sourcing: Quotes from China, India, or EU vendors
- Financial Modeling: Profitability and repayment capacity
- Final Editing & Bank Customization: Format suited for target bank
We don’t copy-paste profiles. Each one is made fresh, like handmade armor—fit for your battle.
Bottom Line
Banks are ready to invest—but only if you can prove that your business can pay them back. RAYHANS doesn’t give you hope—we give you numbers, plans, and bankable confidence.