Term Loan Metals

7/24/2019 Term Loan Metals

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A PROJECT REPORT

ON

PREPARATION OF FINANCIAL STATEMENT FOR LOAN

PROPOSAL OF

TIMRECHA METALS

SUBMITTED

TO

UNIVERSITY OF PUNE

BY

RONIT GUNDESHA

IN PARTIAL FULFILLMENT OF

BACHELOR OF BUSINESS ADMINISTRATION

UNIVERSITY OF PUNE

2012-2013

MITSOM COLLEGE

PUNE:411036

Page | 1



CERTIFICATE

This is to certify that Mr. / Miss RONIT GUNDESHA of

MAEER’s MITSOM College has sccessflly co!"lete# the "ro$ect %or& title#

TERM 'OAN i( "artial flfill!e(t of re)ire!e(t for the a%ar# of *achelor

of *si(ess A#!i(istratio( "rescri+e# +y the U(i,ersity of -(e

This "ro$ect is the recor# of athe(tic %or& carrie# ot #ri(g the aca#e!ic year

0102.

Mrs. AMRUTA DI3IT DR R M CHITNIS

-ro$ect Guide -ri(ci"al

INTERNA' E3AMINER E3TERNA'E3AMINER

Page | 2



DECLARATION

I4 Mr / Ms 5RONIT GUNDESHA5555555555555555555555555555

here +y #eclare that this "ro$ect is the recor# of athe(tic %or& carrie# ot +y

!e #ri(g the aca#e!ic year 0102 a(# has (ot +ee( s+!itte# to a(y

other U(i,ersity or I(stitte to%ar#s the a%ar# of a(y #egree.

RONIT GUNDESHA

Page | 3



ACKNOLEGEMENT

First and foremost I would like to acknowledge te management !ITSO! "ollege for

#ermitting me to undertake te Finance #ro$ect %ased on te to#ic &ank 'oan (ro#osal and

all allowing me te room to work in m) own wa)*

I te student of !ITSO! "ollege would like to e+#ress m) sincerest gratitude to m)

ead of te de#artment !rs*An$ali Sane for #ro,iding me tis o##ortunit)*

I am also tankful to - !r*Hemant &ise our Finance #rofessor and !rs*Amruta di+it our

#ro$ect mentor for er ,alua%le su##ort- encouragement- su#er,ision and useful suggestions

trougout* Her moral su##ort and continuous guidance ena%le me to com#lete m) #ro$ect

successful*

I am also tankful to #eo#le wo a,e directl) or indirectl) %een el#ful and faitful

enoug to #ro,ide te re.uired information- in te real in#ut wic el#ed me in acie,ing teo%$ecti,es of tis stud)*

Page | 4



TABLE OF CONTENTS

S!"#$ TITLE P%"#$

/ "O!(AN0 (ROFI'E 1

2 (UR(OSE OF 'OAN 3

4 !AR5ET ANA'0SIS 6

7 O&8E"TI9ES OF 'OAN :

; &ASI" ASSU!(TIONS /<

1 "OST OF (RO8E"T /2

3 RE9ENUE STATE!ENT /4

6 (OFITA&I'IT0 STATE!ENT /7

: (RO8E"TED &A'AN"E SHEET /3

/< (RO8E"TED "ASH F'O= STATE!ENTS 2<

// S"HEDU'E OF FI>ED ASSETS AND

DE(RI"IATION

22

/2 S"HEDU'E OF RE(A0!ENT OF 'OAN ANDINTREST

27

/4 (RO8E"TED RATIOS 26

Page | 5



C$&'(#) P!$*+,

Name of te com#an)? TIMRECHA METAL

Address So# No @ /<</- Nr A/ Oil !ill-

'andewadi- &osari- (une 7/224:

"onstitution? Sole (ro#rietorsi#

Name of #ro#rietor? !r* (rasant !* 8ain

&usiness acti,it)? Trading of Ferrous B Non@Ferrous

!etals

Education .ualification? &*&*A (une Uni,ersit)

Financial assistance #ro,ider? State &ank of India

"ost of #ro$ect? Rs* 43- <;-<<<C

(ro#rietors contri%ution? Rs* 4/- 3;-<<<C

Em#lo)ment #ro#osed? 4 em#lo)ees

Term loan? Rs* ;- 4<-<<<C

Page | 6



P.!'$/ $* ,$(#

Since ("!" is %ecoming an Auto Hu%- te market for !etals Raw!aterials is de,elo#ing ra#idl)* Te owner is desirous to ca#italie tis

situation and terefore as decided to start new %usiness* Naturall) for te

#ur#ose of tis %usiness #rime re.uirements are goodwill and finance* Te

owner as acie,ed and goodwill in te last ; )ears of %usiness* Now te

%asic necessit) is smoot fund flow*

Te owners a,e decided to e+#and te %usiness %) starting te new %ranc-

%ut are sort of owned ca#ital for tis ,enture* So te) a,e decided to

a##roac te %ank and a,ail a term loan facilit) of Rs*;*4 laks to %e re#aid

in montl) installments /2 #*a*

Te concern #ro#oses to contri%ute te mone) towards te re.uirement of

so#* Te #ro#rietor is read) to mortgage is So# for loan*

Page | 7



M(! A#(,)/+/

Demand:-

In ,iew of growing IndustriesC!N"s in and around ("!" tere is a great

demand for Ferrous B NonFerrous !etal like !ild Steel- EN6- EN: - 2<!N"R; -

&rigt &ar B All t)#es of Tool B Allo) Steel*

Customers:-

Te owner of te %usiness is alread) in te %usiness for last ; )ears and tus e asde,elo#ed ealt) relations in te market* Te goodwill of te owner and demand

conditions in te market will reflect into assured %usiness and te owner sall not

a,e an) difficult) in marketing of goods*

Location:-

Te so# is at &osari wic is a #rime location in !ID"* It is te %iggest market

for !etals in ("!"* Te so# is of /<<< s.* ft* wit sufficient #ower- staff and

oter re.uirements*

Sales:-

As it is located in te eart of town and also %ecause of te goodwill of owner tere

will %e a good sale- as demand for its #roducts goes on increasing da) %) da)* As

te de,elo#ment is taking #lace in our e,er)da)s life so te metods of informing

and ad,ertisement also takes #lace troug different modes*

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O+5/ $* L$(#• To stud) te need of raise of finance* As a de,elo#ing and com#etiti,e

econom) a re.uirement to increase a set u# %usiness te %usinessmen eiter

modif)- e+#and or di,ersif) teir %usiness*

• For making ca#ital e+#enditure- wat t)#e of de%t finance is a,aila%le to

#eo#le- sould te) %orrow sort term or long term funds from te %ank

according to teir needs*

• Forecasting of e+#ected growt in te turno,er due to increase in ca#acit)*

• Ratio to reflect financial #osition- #rofita%ilit)- de%t ser,icing ca#acit) etc*

• Feasi%ilit) of #ro$ect- market demand and ca#acit) utiliation*

• 9arious re.uirements needed for taking a term loan*

• To learn #ro$ect financing and its effects on te acti,it) and financing

#osition of te organiation*

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B(/+ (//.&'+$#

Te Sales will %e increasing /<

Te (urcases and oter e+#enses e+ce#t de#reciation and interest will %e

Increasing ;

Te Ta+ Rate is assumed at a,erage rate of 44*44

De#reciation is as #er income ta+ rules*

Te In,estment are for 'ong Term and te income tere on will %e realied on

!aturit)*

Te Interest on loan is assumed at /2 #*a and te loan will %e taken from

State &ank Of India*

Te &ank will #ro,ide 3; 'oan

Assets are #urcased in initial )ear onl)

Drawings are increasing ; e,er) )ear*

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T+&!( M(,S$' N$ 7 10018 N! A-1 O+, M+,,8

L(#9(9+8 B$/(!+8 P.# - 41223;

V(!++/ $* B(!/ (5(+,(,

Tis firm offers ,arious t)#es of &ars wit different sies i*e* from Dia42mm

Dia3;mm* It is mainl) to satisf) te #otential customers needs* Te materials and

its res#ecti,e rates are sown as follow?

M(!+(, S+< R( '! K%

/* !ild Steel MS 42mm3;mm 3;

36mm/<6mm 6;

2* Gun !etal 72mm1<mm 6;

12mm/<;mm :;

Note?

/* Te a,erage #rice of te !*S &ar is considered as Rs*6<*

2* Te a,erage #rice of te Gun !etal is considered as Rs*:<*

Page | 11



COST OF PROJECT

S! N$ P(!+.,(!/ A&$.#

/ So# 4-<<<-<<<

2 Furniture

Ta%le B "ounter 7<-<<< 1;-<<<*<<

E+ecuti,e "airs 2;-<<<

4 "om#uter 6<-<<<*<<

7 Air "onditioner 1<-<<<*<<

; "utting !acine 4<<-<<<*<<

1 =orking "a#ital 2<<-<<<*<<

T$(, 4-3<;-<<<

F+#(#9 B)

/ Own "ontri%ution

So# Owned 4-<<<-<<<

Own /3;-<<<

2 &ank 'oan ;4<-<<<

T$(, 4-3<;-<<<

Note?

• So# Area /<<<s.*ft 4<<<C #er s.*ft

• Te land was wit te #ro#rietor and is used for its own

#ur#ose• Te com#an) takes ;*4 lak ru#ees loan

from %ank against 'and

Page | 12



RE9ENUE STATE!ENT

0EARS

IN"O!E

1 12,00,000

2 13,20,000

3 14,52,000

4 15,97,200

5 17,56,920

6 19,32,612

7 21,25,873

8 23,38,261

9 25,72,307

10 28,29,537

*Sales are increasing 10%per annum .

Page | 13



PROJECTED PROFITABILITY STATEMENT

INCOME Y(! 1 Y(! 2 Y(! 3 Y(! 4

Sales /-2<<-<<< /-42<-<<< /-7;2-<<< /-;:3-2<<

Stock in and 4<<-<<< 44<-<<< 414-<<< 4::-4<<

T$(, /-;<<-<<< /-1;<-<<< /-6/;-<<< /-::1-;<<

E='#9+.!

O#ening Stock 4<<-<<< 44<-<<< 414-<<<

(urcase 6<7-<<< 677-2<< 661-7/< :4<-34/

Salar) /6<-<<< /6:-<<< /:6-7;< 2<6-434

&ank carges :-1<< /<-<6< /<-;67 //-//4De#reciation /<6-;<< 3<-:;< ;/-:1< 7<-:34

"on,e)ance 6-7<< 6-62< :-21/ :-327

Electricit) /4-2<< /4-61< /7-;;4 /;-26/

News#a#er B (eriodicals /-6<< /-6:< /-:6; 2-<67

(!" Ta+es of so# 1-<<< 1-4<< 1-1/; 1-:71

(rinting B Stationer) 6-7<< 6-62< :-21/ :-327

(rofessional fees 6-<<< 6-7<< 6-62< :-21/

Re#airs B !aintenance /1-6<< /3-17< /6-;22 /:-776

Tele#one /6-<<< /6-:<< /:-67; 2<-643

TOTAL /-/62-3<< /-7:6-61< /-;11-211 /-173-7:7

PBIT 4/3-4<< /;/-/7< 276-34; 47:-<<1

'ess? &ank loan interest 12-<26 ;6-422 ;7-/71 7:-77<

P!$*+ *$! T(= >PBT? 2;;-232 :2-6/6 /:7-;6: 2::-;1;

'ess? income ta+ 44*44 6;-<62 4<-:41 17-6;1 ::-67;

N '!$*+ >PAT? /3<-/:< 1/-662 /2:-342 /::-32<

N$ :

1. Repairs !ain"enance inclu#es $iling an# reasing &'!ac(ine, )nnual &mpu"er !ain"enance ,S+eeping Pain"ing&l&ur &#es &' R&#s-an# als& s(&p )c" icence.2. Pr&'essi&nal /ees are pai# "& a&nsul"an"3. Salar is eing pai# "& 3 +&rers in#ulging cu""ing an# (an#lig

&pera"i&ns Rs.5,000 per m&n"(. nsille#-4.(e supplier "aes care &' carriage

Page | 14



in+ar#

5.arriage &u"+ar# is pr&i#e# i' #eman#e# "(e cus"&mer


INCOME Y(! @ Y(! 6 Y(! Y(!

Sales /-3;1-:2< /-:42-1/2 2-/2;-634 2-446-71/

Stock in and 74:-24< 764-/;4 ;4/-716 ;67-1/;

T$(, 2-/:1-/;< 2-7/;-31; 2-1;3-472 2-:24-<31

E='#9+.!

O#ening Stock 4::-4<< 74:-24< 764-/;4 ;4/-716

(urcase :33-213 /-<21-/4< /-<33-743 /-/4/-4<:

Salar) 2/6-3:/ 22:-34/ 27/-2/3 2;4-236

&ank carges //-11: /2-2;2 /2-61; /4-;<6

De#reciation 44-162 26-2:< 27-</3 2<-7::

"on,e)ance /<-2/< /<-32/ //-2;3 //-62<

Electricit) /1-<7; /1-673 /3-16: /6-;37

News#a#er B(eriodicals 2-/66 2-2:3 2-7/2 2-;44

(!" Ta+es of so# 3-2:4 3-1;6 6-<7/ 6-774

(rinting B Stationer) /<-2/< /<-32/ //-2;3 //-62<

(rofessional fees :-327 /<-2/< /<-32/ //-2;3

Re#airs B !aintenance 2<-72/ 2/-772 22-;/7 24-14:

Tele#one 2/-63: 22-:34 27-/22 2;-426

TOTAL /-346-13: /-646-;</ /-:71-3</ 2-<14-737

PBIT 7;3-73/ ;33-217 3/<-17/ 6;:-1</

'ess? &ank loan interest 77-/46 46-/17 4/-74/ 24-67;

P!$*+ *$! T(= >PBT? 7/4-444 ;4:-/<< 13:-2<: 64;-3;1

'ess? income ta+44*44 /43-317 /3:-162 221-46< 236-;;6

N '!$*+ >PAT? 23;-;1: 4;:-7/6 7;2-62: ;;3-/::

Page | 15




INCOME Y(! ; Y(! 10

Sales 2-;32-4<3 2-62:-;43Stock in and 174-<33 3<3-467

T$(, 4-2/;-464 4-;41-:22

E='#9+.!

O#ening Stock ;67-1/; 174-<33

(urcase /-/63-637 /-273-216

Salar) 21;-:72 23:-24:

&ank carges /7-/67 /7-6:4

De#reciation /3-;77 /;-<46

"on,e)ance /2-7// /4-<4/

Electricit) /:-;<2 2<-736

News#a#er B (eriodicals 2-1;: 2-3:2

(!" Ta+es of so# 6-61; :-4<6

(rinting B Stationer) /2-7// /4-<4/

(rofessional fees //-62< /2-7//

Re#airs B !aintenance 27-62/ 21-<12Tele#one 21-;:7 23-:27

TOTAL 2-/6:-272 2-427-;;2

PBIT /-<21-/7/ /-2/2-43<

'ess? &ank loan interest /;-2:3 ;-117

P!$*+ *$! T(= >PBT? /-</<-67; /-2<1-3<1

'ess? income ta+ 44*44 441-:/; 7<2-/:;

N '!$*+ >PAT? 134-:4< 6<7-;//

Page | 16



PROJECTED BALANCE SHEET

LIABILITY Y(! 1 Y(! 2 Y(! 3 Y(! 4

CAPITAL ACCOUNT

O#ening &alance 4-2:/-/:< 4-2:1-432 4-411-;1:

JIntroduced ca#ital 4-/3;-<<<

JNet #rofit after ta+ /3<-/:< 1/-662 /2:-342 /::-32<

&alance 4-47;-/:< 4-4;4-<32 4-721-/<7 4-;11-2:<

Drawings ;7-<<< ;1-3<< ;:-;4; 12-;/2

"losing %alance 4-2:/-/:< 4-2:1-432 4-411-;1: 4-;<4-336

=orking "a#ital 2<<-<<< 2<<-<<< 2<<-<<< 2<<-<<<

&ank term loan ;<<-36< 713-6;7 74<-3;4 466-:71

"reditors /1<-6<< /16-67< /33-262 /61-/71(ro,ision for Ta+ 6;-<62 4<-:41 17-6;1 ::-67;

TOTAL AMOUNT 7-243-6;2 7-/17-<<4 7-24:-71< 7-436-3/;

ASSETS Y(! 1 Y(! 2 Y(! 3 Y(! 4

FIED ASSETS

So# 4-<<<-<<< 4-<<<-<<< 4-<<<-<<< 4-<<<-<<<

Furniture ;6-;<< ;2-1;< 73-46; 72-173

"om#uter 42-<<< /2-6<< ;-/2< 2-<76

Air "onditioner ;/-<<< 74-4;< 41-676 4/-42<

"utting !acine 2;;-<<< 2/1-3;< /67-246 /;1-1<2

In,estments /<<-<<< 2<<-<<< 4<<-<<< 7<<-<<<

CURRENTS ASSETS

Stock 4<<-<<< 44<-<<< 414-<<< 4::-4<<

De%tors 27<-<<< 217-<<< 2:<-7<< 4/:-77<

"as in and 2</-4;2 77-7;4 /2-73< 23-4;6TOTAL AMOUNT 7-243-6;2 7-/17-<<4 7-24:-71< 7-436-3/;


Page | 17



LIABILITY Y(! @ Y(! 6 Y(! Y(!

CAPITAL ACCOUNT

o#ening &alance 4-;<4-336 4-3/4-3/< 7-<<7-2<6 7-467-132

Jintroduced ca#ital

Jnet #rofit after ta+ 23;-;1: 4;:-7/6 7;2-62: ;;3-/::&alance 4-33:-473 7-<34-/26 7-7;3-<43 7-:7/-63/

drawings 1;-143 16-:/: 32-41; 3;-:64

closing %alance 4-3/4-3/< 7-<<7-2<6 7-467-132 7-61;-663

=orking "a#ital 2<<-<<< 2<<-<<< 2<<-<<< 2<<-<<<

&ank term loan 47/-641 266-3;2 226-:41 /1/-;47

"reditors /:;-7;4 2<;-221 2/;-763 221-212

(ro,ision for Ta+ /43-317 /3:-162 221-46< 236-;;6

TOTAL AMOUNT 7-;66-314 7-633-61: ;-2;;-731 ;-342-27/

ASSETS Y(! @ Y(! 6 Y(! Y(!

FIED ASSETS

So# 4-<<<-<<< 4-<<<-<<< 4-<<<-<<< 4-<<<-<<<

Furniture 46-462 47-;77 4/-<6: 23-:6<

"om#uter 6/: 426 /4/ ;2

Air "onditioner 21-122 22-12: /:-24; /1-47:"utting !acine /44-//2 //4-/7; :1-/34 6/-373

In,estments ;<<-<<< 1<<-<<< 3<<-<<< 6<<-<<<

CURRENTS ASSETS

Stock 74:-24< 764-/;4 ;4/-716 ;67-1/;

De%tors 4;/-467 461-;22 72;-/3; 713-1:2

"as in and ::-2/7 243-;76 7;2-2<; 3;4-6<7

TOTAL AMOUNT 7-;66-314 7-633-61: ;-2;;-731 ;-342-27/


LIABILITY Y(! ; Y(! 10

Page | 18



CAPITAL ACCOUNT

o#ening &alance 7-61;-663 ;-71<-<4;

Jintroduced ca#ital

Jnet #rofit after ta+ 134-:4< 6<7-;//

&alance ;-;4:-6/6 1-217-;71drawings 3:-364 64-332

closing %alance ;-71<-<4; 1-/6<-337

=orking "a#ital 2<<-<<< 2<<-<<<

&ank term loan 6;-;64 <

"reditors 243-;3; 27:-7;7

(ro,ision for Ta+ 441-:/; 7<2-/:;

TOTAL AMOUNT 1-42<-/<3 3-<42-722

ASSETS Y(! ; Y(! 10

FIED ASSETS

So# 4-<<<-<<< 4-<<<-<<<

Furniture 2;-/62 22-117

"om#uter 2/ 6

Air "onditioner /4-6:3 //-6/2

"utting !acine 1:-76; ;:-<12In,estments :<<-<<< /-<<<-<<<

CURRENTS ASSETS

Stock 174-<33 3<3-467

De%tors ;/7-71/ ;1;-:<3

"as in and /-/;4-:67 /-11;-;64

TOTAL AMOUNT 1-42<-/<3 3-<42-722

PROJECTED CASH FLO STATEMENT

CASHFLOW Year 1 Year 2 Year 3 Year 4 Year 5

SOURCES

Page | 19



Opening balance 201,352 44,453 12,470 27,358

INFLOW

capital introduced 175,000

term loan 530,000

Cash Sales 90,000 1,05,000 1,11,00 1,277,70 1,405,53

!eceipt "rom debtors 240,000 24,000 290,400 319,440#or$ing Capital 200,000

TOTAL INFLOW 1,85,000 1,497,352 1,470,053 1,580,30 1,752,334

APPLICATIONS

OUTFLOW

Cash %urchases 43,200 75,30 709,128 744,584 781,814

Salar& 180,000 189,000 198,450 208,373 218,791

'an$ charges 9,00 10,080 10,584 11,113 11,9

Con(e&ance 8,400 8,820 9,21 9,724 10,210

)lectricit& 13,200 13,80 14,553 15,281 1,045

*e+spaper %eriodicals 1,800 1,890 1,985 2,084 2,188

%-C .a/es ,000 ,300 ,15 ,94 7,293

%rinting Stationer& 8,400 8,820 9,21 9,724 10,210

%ro"essional "ees 8,000 8,400 8,820 9,21 9,724

!epairs -aintenance 1,800 17,40 18,522 19,448 20,421

.elephone 18,000 18,900 19,845 20,837 21,879

n(estments 100,000 100,000 100,000 100,000 100,000

assets purchase 505,000

term loan repa&ment 91,248 91,248 91,248 91,248 91,248

dra+ings 54,000 5,700 59,535 2,512 5,37

%a&ment to Creditors 10,800 18,840 177,282 18,14

!epa&ment o" .a/es 85,082 30,93 4,85 99,845

TOTAL OUTFLOW 1,3,48 1,452,900 1,457,582 1,553,272 1,53,120

CASH BALANCE 201,352 44,453 12,470 27,358 99,214

PROJECTED CASH FLO STATEMENT

CASHFLOW Year 6 Year 7 Year 8 Year 9 Year 10

SOURCES

Opening balance 99,214 237,548 452,205 753,804 1,153,984

INFLOW

Page | 20



capital introduced

term loan

Cash Sales 1,54,090 1,700,99 1,870,78 2,057,845 2,23,30

!eceipt "rom debtors 351,384 38,522 425,175 47,92 514,41

#or$ing Capital

TOTAL INFLOW 1,99,88 2,324,79 2,748,148 3,279,341 3,932,075

APPLICATIONS

OUTFLOW

Cash %urchases 820,904 81,950 905,047 950,299 997,814

Salar& 229,731 241,217 253,278 25,942 279,239

'an$ charges 12,252 12,85 13,508 14,184 14,893

Con(e&ance 10,721 11,257 11,820 12,411 13,031

)lectricit& 1,847 17,89 18,574 19,502 20,478

*e+spaper

%eriodicals 2,297 2,412 2,533 2,59 2,792

%-C .a/es 7,58 8,041 8,443 8,85 9,308

%rinting Stationer& 10,721 11,257 11,820 12,411 13,031

%ro"essional "ees 10,210 10,721 11,257 11,820 12,411

!epairs -aintenance 21,442 22,514 23,39 24,821 2,02

.elephone 22,973 24,122 25,328 2,594 27,924

n(estments 100,000 100,000 100,000 100,000 100,000

assets purchase

term loan repa&ment 91,248 91,248 91,248 91,248 91,248

dra+ings 8,919 72,35 75,983 79,783 83,772

%a&ment to Creditors 195,453 205,22 215,487 22,22 237,575

!epa&ment o" .a/es 137,74 179,82 22,380 278,558 33,915

TOTAL OUTFLOW 1,759,140 1,872,54 1,994,344 2,125,357 2,2,492

CASH BALANCE 237,548 452,205 753,804 1,153,984 1,5,583

SCHEDULE OF FIED ASSETS AND DEPRECIATION

FURNITURE

0EAR =*D*9 OF THE ASSETSDE(RE"IATION

/<"'OSING &A'AN"E

/ 1;-<<< 1-;<< ;6-;<<

2 ;6-;<< ;-6;< ;2-1;<

Page | 21



4 ;2-1;< ;-21; 73-46;

7 73-46; 7-34: 72-173

; 72-173 7-21; 46-462

1 46-462 4-646 47-;77

3 47-;77 4-7;7 4/-<6:6 4/-<6: 4-/<: 23-:6<

: 23-:6< 2-3:6 2;-/62

/< 2;-/62 2-;/6 22-117

COMPUTER

0EAR =*D*9 OF THE ASSETSDE(RE"IATION

1<"'OSING &A'AN"E

/ 6<-<<< 76-<<< 42-<<<

2 42-<<< /:-2<< /2-6<<

4 /2-6<< 3-16< ;-/2<

7 ;-/2< 4-<32 2-<76

; 2-<76 /-22: 6/:

1 6/: 7:2 426

3 426 /:3 /4/

6 /4/ 3: ;2

: ;2 4/ 2/

/< 2/ /4 6

SCHEDULE OF FIED ASSETS AND DEPRECIATION

AIR CONDITIONER

0EAR =*D*9 OF THE ASSETS DE(RE"IATION /; "'OSING &A'AN"E

/ 1<-<<< :-<<< ;/-<<<

2 ;/-<<< 3-1;< 74-4;<

Page | 22



4 74-4;< 1-;<4 41-676

7 41-676 ;-;23 4/-42<

; 4/-42< 7-1:6 21-122

1 21-122 4-::4 22-12:

3 22-12: 4-4:7 /:-24;6 /:-24; 2-66; /1-47:

: /1-47: 2-7;2 /4-6:3

/< /4-6:3 2-<6; //-6/2

C.+#%

M(+#

0EAR =*D*9 OF THE ASSETS DE(RE"IATION /; "'OSING &A'AN"E

/ 4<<-<<< 7;-<<< 2;;-<<<

2 2;;-<<< 46-2;< 2/1-3;<

4 2/1-3;< 42-;/4 /67-246

7 /67-246 23-141 /;1-1<2

; /;1-1<2 24-7:< /44-//2

1 /44-//2 /:-:13 //4-/7;

3 //4-/7; /1-:32 :1-/34

6 :1-/34 /7-721 6/-373: 6/-373 /2-212 1:-76;

/< 1:-76; /<-724 ;:-<12

SCHEDULE OF REPAYMENT OF LOAN AND INTEREST

Loan Amount 530000

Interest rate 12.0% 0.01000

Loan Tenure 120

EMI Rs. 7,603.96

Year Months Oenin! EMI Interest "rincial Closin!

#alance rea$ment %alance

Page | 23



1 1 530000.00 7603.96 5300.00 2303.96527696.

04

2 527696.04 7603.96 5276.96 2327.00525369.

04

3 525369.04 7603.96 5253.69 2350.27523018.

77

4 523018.77 7603.96 5230.19 2373.77 520645.00

5 520645.00 7603.96 5206.45 2397.51518247.

49

6 518247.49 7603.96 5182.47 2421.49515826.

00

7 515826.00 7603.96 5158.26 2445.70513380.

30

8 513380.30 7603.96 5133.80 2470.16510910.

14

9 510910.14 7603.96 5109.10 2494.86508415.

29

10 508415.29 7603.96 5084.15 2519.81505895.

48

11 505895.48 7603.96 5058.95 2545.01503350.

47

12 503350.47 7603.96 5033.50 2570.46500780.

02

&'()*+,( (.(*+,) (&('&+&/

2 13 500780.02 7603.96 5007.80 2596.16498183.

86

14 498183.86 7603.96 4981.84 2622.12495561.

74

15 495561.74 7603.96 4955.62 2648.34492913.

39

16 492913.39 7603.96 4929.13 2674.83490238.

57

17 490238.57 7603.96 4902.39 2701.57487536.

99

18 487536.99 7603.96 4875.37 2728.59484808.

40

19 484808.40 7603.96 4848.08 2755.88482052.

52

20 482052.52 7603.96 4820.53 2783.44

479269.

09

21 479269.09 7603.96 4792.69 2811.27476457.

82

22 476457.82 7603.96 4764.58 2839.38473618.

44

23 473618.44 7603.96 4736.18 2867.78470750.

66

24 470750.66 7603.96 4707.51 2896.45467854.

21

&'()*+,( ,/0('+*' 0(&(,+/'

3 25 467854.21 7603.96 4678.54 2925.42464928.

79

26 464928.79 7603.96 4649.29 2954.67461974.

12

Page | 24



27 461974.12 7603.96 4619.74 2984.22458989.

90

28 458989.90 7603.96 4589.90 3014.06455975.

84

29 455975.84 7603.96 4559.76 3044.20452931.

64

30 452931.64 7603.96 4529.32 3074.64 449856.99

31 449856.99 7603.96 4498.57 3105.39446751.

60

32 446751.60 7603.96 4467.52 3136.44443615.

16

33 443615.16 7603.96 4436.15 3167.81440447.

35

34 440447.35 7603.96 4404.47 3199.49437247.

86




35 437247.86 7603.96 4372.48 3231.48434016.

38

36 434016.38 7603.96 4340.16 3263.80430752.

58

&'()*+,( ,)'),+&. 0*'.'+(

4 37 430752.58 7603.96 4307.53 3296.43427456.

15

38 427456.15 7603.96 4274.56 3329.40

424126.

75

39 424126.75 7603.96 4241.27 3362.69420764.

06

40 420764.06 7603.96 4207.64 3396.32417367.

74

41 417367.74 7603.96 4173.68 3430.28413937.

46

42 413937.46 7603.96 4139.37 3464.59410472.

87

43 410472.87 7603.96 4104.73 3499.23406973.

64

44 406973.64 7603.96 4069.74 3534.22

403439.

41

45 403439.41 7603.96 4034.39 3569.57399869.

85

46 399869.85 7603.96 3998.70 3605.26396264.

59

47 396264.59 7603.96 3962.65 3641.31392623.

27

48 392623.27 7603.96 3926.23 3677.73388945.

54

&'()*+,( )&)).+)/ )'/.*+.)

5 49 388945.54 7603.96 3889.46 3714.50

385231.

04 50 385231.04 7603.96 3852.31 3751.65 381479.

Page | 25



39

51 381479.39 7603.96 3814.79 3789.17377690.

22

52 377690.22 7603.96 3776.90 3827.06373863.

17

53 373863.17 7603.96 3738.63 3865.33

369997.

84

54 369997.84 7603.96 3699.98 3903.98366093.

85

55 366093.85 7603.96 3660.94 3943.02362150.

83

56 362150.83 7603.96 3621.51 3982.45358168.

38

57 358168.38 7603.96 3581.68 4022.28354146.

10

58 354146.10 7603.96 3541.46 4062.50350083.

61

59 350083.61 7603.96 3500.84 4103.12345980.

48

60 345980.48 7603.96 3459.80 4144.16341836.

33

91247.52

44138.

30 47109.22

6 61 341836.33 7603.96 3418.36 4185.60337650.

73

62 337650.73 7603.96 3376.51 4227.45333423.

28

63 333423.28 7603.96 3334.23 4269.73329153.

55

64 329153.55 7603.96 3291.54 4312.42324841.

12

65 324841.12 7603.96 3248.41 4355.55320485.

57

66 320485.57 7603.96 3204.86 4399.10316086.

47

67 316086.47 7603.96 3160.86 4443.10311643.

37

68 311643.37 7603.96 3116.43 4487.53307155.

85

69 307155.85 7603.96 3071.56 4532.40

302623.

45

70 302623.45 7603.96 3026.23 4577.73298045.

72

71 298045.72 7603.96 2980.46 4623.50293422.

22



%alance rea$ment %alance

72 293422.22 7603.96 2934.22 4669.74 288752.48

Page | 26



91247.52

38163.

68 53083.85

7 73 288752.48 7603.96 2887.52 4716.44284036.

04

74 284036.04 7603.96 2840.36 4763.60279272.

44

75 279272.44 7603.96 2792.72 4811.24 274461.21

76 274461.21 7603.96 2744.61 4859.35269601.

86

77 269601.86 7603.96 2696.02 4907.94264693.

92

78 264693.92 7603.96 2646.94 4957.02259736.

90

79 259736.90 7603.96 2597.37 5006.59254730.

31

80 254730.31 7603.96 2547.30 5056.66249673.

65

81 249673.65 7603.96 2496.74 5107.22244566.

42

82 244566.42 7603.96 2445.66 5158.30239408.

13

83 239408.13 7603.96 2394.08 5209.88234198.

25

84 234198.25 7603.96 2341.98 5261.98228936.

27

91247.52

31431.

32 59816.21

8 85 228936.27 7603.96 2289.36 5314.60

223621.

67

86 223621.67 7603.96 2236.22 5367.74218253.

93

87 218253.93 7603.96 2182.54 5421.42212832.

51

88 212832.51 7603.96 2128.33 5475.64207356.

87

89 207356.87 7603.96 2073.57 5530.39201826.

48

90 201826.48 7603.96 2018.26 5585.70196240.

79

91 196240.79 7603.96 1962.41 5641.55190599.

24

92 190599.24 7603.96 1905.99 5697.97184901.

27

93 184901.27 7603.96 1849.01 5754.95179146.

32

94 179146.32 7603.96 1791.46 5812.50173333.

82

95 173333.82 7603.96 1733.34 5870.62167463.

20

96 167463.20 7603.96 1674.63 5929.33161533.

87

91247.5223845.

12 67402.40

Page | 27



9 97 161533.87 7603.96 1615.34 5988.62155545.

25

98 155545.25 7603.96 1555.45 6048.51149496.

74

99 149496.74 7603.96 1494.97 6108.99143387.

75

100 143387.75 7603.96 1433.88 6170.08 137217.67

101 137217.67 7603.96 1372.18 6231.78130985.

88

102 130985.88 7603.96 1309.86 6294.10124691.

78

103 124691.78 7603.96 1246.92 6357.04118334.

74

104 118334.74 7603.96 1183.35 6420.61111914.

13

105 111914.13 7603.96 1119.14 6484.82105429.

31

106 105429.31 7603.96 1054.29 6549.6798879.6

4

107 98879.64 7603.96 988.80 6615.1692264.4

8

108 92264.48 7603.96 922.64 6681.3285583.1

6

91247.52

15296.

81 75950.71




10 109 85583.16 7603.96 855.83 6748.1378835.0

3

110 78835.03 7603.96 788.35 6815.6172019.4

2

111 72019.42 7603.96 720.19 6883.7765135.6

6

112 65135.66 7603.96 651.36 6952.6058183.0

5

113 58183.05 7603.96 581.83 7022.1351160.9

2

114 51160.92 7603.96 511.61 7092.3544068.5

7

115 44068.57 7603.96 440.69 7163.2736905.3

0

116 36905.30 7603.96 369.05 7234.9129670.3

9

117 29670.39 7603.96 296.70 7307.2622363.1

3

118 22363.13 7603.96 223.63 7380.3314982.8

1

119 14982.81 7603.96 149.83 7454.13 7528.67

120 7528.67 7603.96 75.29 7528.67 0.00 91247.52 5664.3 85583.16

Page | 28



6

PROJECTED RATIOS

1" CURRENT RATIO

PARTICULARS YEAR 1 YEAR 2 YEAR 3 YEAR 4 YEAR 5

Current ssets 741352 38453 5870 74098 889828

Current iabilities ' 245882 19977 242138 285991 333217

A ! " B ! 3#02 3#20 2#75 2#61 2#67

PARTICULARS YEAR 6 YEAR 7 YEAR 8 YEAR 9 YEAR10

Current ssets 1107224 1408848 180111 2311522 2938875

Page | 29



Current iabilities ' 384908 44188 504819 574489 5149

A ! " B ! 2#88 3#19 3#58 4#02 4#51

PROJECTED RATIOS

2" NET PROFIT RATIO


*et %ro"it "ter .a/ 170190 1882 129732 199720 27559

Sales ' 1200000 1320000 1452000 1597200 175920

A ! " B ! $ 100 14#18 4#69 8#93 12#50 15#68

PARTICULARS YEAR 6 YEAR 7 YEAR 8 YEAR 9

YEAR

10

*et %ro"it "ter .a/ 359418 452829 557199 73930 804511

Sales ' 193212 2125873 233841 2572307 2829537

Page | 30



A ! " B ! $ 100 18#60 21#30 23#83 26#20 28#43

PROJECTED RATIOS

1" DEBT SERVICE COVERAGE RATIO


%' 340,71

8191,154

235,838

290,134

353,389

nstallment +ithnterest'

91,248

91,248

91,248

91,248

91,248

A ! " B ! 3#73 2#09 2#58 3#18 3#87


%' 425,87

1508,277

01,543

70,771

825,213

nstallment +ithnterest' 91,248 91,248 91,248 91,248 91,248

Page | 31



A ! " B ! 4#67 5#57 6#59 7#75 9#04

DOCUMENTS REUIRED FOR SUBMISSION OF LOAN PROPOSAL

P!$$* O* I#9+5+9.(, I9#+)

Two (ass#ort Sie (otogra#s (ass#ort "o#) 9oters ID card Dri,ing 'icense (an "ard (an Allotment 'etter Form 1< of te "oncern

P!$$* O* A99!//

Ration "ard Tele#one &ill Electricit) &ill 'ife Insurance (olic)

Page | 32



O! M(#9($!) D$.&#/

&ank Statements 'atest 1 !onts &ank Statement C(ass%ook'atest ITR- Along =it "om#utation of Income&alance Seet B (B' Account For te 'ast 2 0rs- "ertified &) A "a

Kualification (roof of te Higest (rofessional Degree(roof of "ontinuation Trade 'icense CEsta%lisment CSales Ta+ "ertificate

O! L%(, D$.&#/

!emorandum and Articles of Association "o#) of "ertificate of Incor#oration&oard Resolution'ist of Directors

Page | 33



SBI LOAN APPLICATION FORM

P,(/ $&', (,, +#*$!&(+$#8 /+%# (#9 9( *$!&"

DateLLLLLLLLLLLLLLLLLLLLLLL

FOR OFFICIAL USE ONLYDate A##ro,edCRe$ectedLLLLLLLLLLLLLLLLLLLLLA##lication DateLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLL

Amount Re.uestedLLLLLLLLLLLLLLLLLLLLLLLL(artici#ating &ankLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLAmount A##ro,edLLLLLLLLLLLLLLLLLLLLLLLLLL

B./+#// I#*$!&(+$#

/* &USINESS INFOR!ATION?&usiness

NameLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLL&usinessAddressLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLL&usiness NoLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLL Ta+ IDMLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLL

FA>MLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLa* 'egal Structure? Sole (ro#rietorsi#LLLLL (artnersi#LLLLLL "or#orationLLLLL OterLLLLL

%* 0ears in %usiness LLLLLLLLLLLLL Date %usiness Started LLLLLLLLLLLLLLLLLLc* If "or#oration- Officers? All Owners wit 2< Ownersi# must %e listed

NameC Title Ownersi# Date Of &irt LLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLL LLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLL LLLLLLLd* &rief Descri#tion of te &usiness#roducts- ser,ices- customer %ase- etc*? A more com#lete descri#tion must %e #ro,ided

in te %usiness #lan LLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLL LLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLL LLLLLLL

2*(rinci#alsCGuarantors? "om#lete onl) if Guarantor is oter tan te loan a##licant? Name !r* !rs* !s*LLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLL'ast First !iddleAddress?HomeLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLEm#lo)erC&usinessLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLHome Tel*MLLLLLLLLLLLLLLLLLLLLLLLLLLLLL &usiness Tel*MLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLDate of &irtLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLResident Status? U* S* "itien 0es No

(rinci#alsCGuarantors Name !r* !rs* !s*LLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLL

'ast First !iddleAddress?HomeLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLEm#lo)erC&usinessLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLHome Tel*MLLLLLLLLLLLLLLLLLLLLLLLLLLLLL &usiness Tel*MLLLLLLLLLLLLLLLLLLLLLLLLLL

Page | 34



Date of &irtLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLResident Status? U*S* "itien 0es No

4* (RO8E"T "OSTSCE>(ENSES?a* (ur#ose of 'oanLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLL

%* Amount Re.uestingLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLL

c* Total (ro$ect "ostsLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLL

7* &USINESS E!('O0!ENT INFOR!ATION?a* "urrent num%er of em#lo)eesLLLLLLLLLLLLLL Num%er of New Ha,en ResidentsLLLLLLLLLLLLLLLLLLif a startu#- note te num%er )ou #lan to ire

%* Num%er of em#lo)ees )ou #lan to ire if loan is a##ro,ed?FullTimeLLLLLL (artTimeLLLLLL

;* ADDITIONA' IN"O!E if different from %usiness?a* SourcesLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLL

%* AmountsLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLL

1* TA> INFOR!ATION?(ro#ert) PLLLLLLLLLLLLLLLLLLLLLLLLLLLL"urrentLLLLLL Not "urrentLLLLLL(a)roll PLLLLLLLLLLLLLLLLLLLLLLLLLLLL "urrentLLLLLL Not "urrentLLLLLLIncome PLLLLLLLLLLLLLLLLLLLLLLLLLLLL "urrentLLLLLL Not "urrentLLLLLLSales PLLLLLLLLLLLLLLLLLLLLLLLLLLLL "urrentLLLLLL Not "urrentLLLLLTotal Ta+es Owed PLLLLLLLLLLLLLL

3* &AN5 REFEREN"ES: B./+#// (#9$! P!/$#(,T)#e of Account AccountM Name of &ank &usiness or (ersonal"ecking LLLLLLLLLLLLLLLLLLLLLLLSa,ings

Oter'ist

"ACCOUNTANT P$#

;*P,(/ $&', *$,,$+#% (99++$#(, +#*$!&(+$#?

a* Has te %usiness e,er filed for %ankru#tc) #rotectionQ 0es or no- Gi,e details* LLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLL %* Has te %usiness a##lied to a %ank for a loanQ If )es gi,e detailsQ LLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLL c* Ha,e an) of te Owners of te %usiness e,er filed for &ankru#tc) Q 0es or No*

LLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLL d* Are all (a)roll- Federal- State and !unici#al ta+es currentQ If no gi,e details LLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLL e* Are )ou gainfull) em#lo)ed %) te "it) of New Ha,en Q 0es or NoQ

LLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLL f* Do )ou a,e immediate Famil) mem%ers em#lo)ed %) te "it) Of New Ha,en Q 0esC No Q

2/

Page | 35



10" FINANCIALDATATwo 2 0ear (ro$ectionTird 0ear O#tional

0EAR I 0EAR II 0EAR III2<<L 2<<L 2<<LSA'ES LLLLLLLLLLLLL LLLLLLLLLLLL 'ess? "OST OF GOODS

LLLLLLLLLLLLLL LLLLLLLLLLLLL LLLLLLLLLLLL

GROSS (ROFIT LLLLLLLLLLLLLL LLLLLLLLLLLLL LLLLLLLLLLLL

O(ERATING E>(ENSES?Salaries- =ages LLLLLLLLLLLLLL LLLLLLLLLLLLL LLLLLLLLLLLLL"ommissions LLLLLLLLLLLLLL LLLLLLLLLLLLL LLLLLLLLLLLLLOutside 'a%or LLLLLLLLLLLLLL LLLLLLLLLLLLL LLLLLLLLLLLLL(a)roll Ta+es LLLLLLLLLLLLLL LLLLLLLLLLLLL LLLLLLLLLLLLLAd,ertising B (romotion LLLLLLLLLLLLLL LLLLLLLLLLLLL LLLLLLLLLLLLL"ar B Deli,er) LLLLLLLLLLLLLL LLLLLLLLLLLLL LLLLLLLLLLLLLGen* Office Admin* LLLLLLLLLLLLLL LLLLLLLLLLLLL LLLLLLLLLLLLL'egal B Accounting LLLLLLLLLLLLLL LLLLLLLLLLLLL LLLLLLLLLLLLLO#erating Su##lies LLLLLLLLLLLLLL LLLLLLLLLLLLL LLLLLLLLLLLLL&ad De%ts LLLLLLLLLLLLLL LLLLLLLLLLLLL LLLLLLLLLLLLL

Rent LLLLLLLLLLLLLL LLLLLLLLLLLLL LLLLLLLLLLLLLRe#airs B !aintenance LLLLLLLLLLLLLL LLLLLLLLLLLLL LLLLLLLLLLLLLUtilities LLLLLLLLLLLLLL LLLLLLLLLLLLL LLLLLLLLLLLLLInsurance LLLLLLLLLLLLLL LLLLLLLLLLLLL LLLLLLLLLLLLLTa+es B 'icenses LLLLLLLLLLLLLL LLLLLLLLLLLLL LLLLLLLLLLLLLDe#reciation LLLLLLLLLLLLLL LLLLLLLLLLLLL LLLLLLLLLLLLLInterest LLLLLLLLLLLLLL LLLLLLLLLLLLL LLLLLLLLLLLLL!iscellaneous LLLLLLLLLLLLLL LLLLLLLLLLLLL LLLLLLLLLLLLLTOTA' O(ERATING E>(ENSES LLLLLLLLLLLLLL LLLLLLLLLLLLL LLLLLLLLLLLLL(ROFIT 'OSS (RETA> LLLLLLLLLLLLLL LLLLLLLLLLLLL LLLLLLLLLLLLLTA>ES LLLLLLLLLLLLLL LLLLLLLLLLLLL LLLLLLLLLLLLL

NET (ROFIT 'OSS LLLLLLLLLLLLLL LLLLLLLLLLLLL LLLLLLLLLLLLL

11" TECHNICAL SERVICE PROVIDER

(" D+9 )$. !+5 #+(, (//+/(# +# $&',+#% +/ ('',+(+$#

" I* )/8 #(& $* T#+(, S!5+ P!$5+9!

Page | 36



DISCLOSURE AGREEMENT

Ha,ing su%mitted a Small &usiness Initiati,eCSmall &usiness Re,ol,ing 'oan Fund A##lication- andin accordance wit te #olicies and #ractices of te "it) of New Ha,ens Small &usiness Initiati,e-IC=e- te undersigned- ere%) autorie and gi,e consent to Small &usiness Initiati,e staff to contact

all #ersons- #arties- institutions- etc*- to wom IC=e are inde%ted- for te #ur#ose of o%taining aconfidential credit re#ort*Tis Agreement also #roi%its Small &usiness Initiati,e staff from di,ulging or offering tis

confidential information to an) #ersons- #arties- institutions- etc*- e+ce#t tose #ersons constituting teSmall &usiness Initiati,e 'oan Re,iew "ommittee* LLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLL LLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLSignature Date

LLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLL LLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLSignature Date

CERTIFICATION DISCLOSURE AGREEMENT

I ere%) certif) te a%o,e information is true and correct* Te Undersigned furter re#resents tattere are no encum%rances against an) of te foregoing #ro#ert) e+ce#t tose s#ecificall) discloseda%o,e* S&I is autoried to ,erif) te information disclosed and to #erform a credit in,estigation* TeUndersigned autories S&I to gi,e credit information to an) credit re#orting ser,ice and to ad,iseoters a%out )our credit e+#erience wit S&I* It is also agreed tat )our financial statement sallremain te #ro#ert) of S&I weter or not credit is granted and tat all documentation will %emaintained to #rotect )our confidentialit) in accordance wit te Freedom of Information Actre.uirements*SignedLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLL

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DateLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLL"oA##licantCGuarantorRe,iewed %) S&I Staff

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Term Loan Metals

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