Why does the financing file you give a bank need to match your financial statements exactly?

The most common reason a financing or credit-facility request gets delayed is that the numbers in the credit pack (ratios, feasibility study, cash flow projections) don't match the financial statements submitted alongside it. Banks compare the two side by side, and any gap between them slows the decision down or triggers a request for further clarification that eats up time.

That's why we build the financing file from the same books and the same financial statements — not a separate version put together just for the bank's request. When the facility amount you're asking for lines up with what the bank actually sees in your statements, the decision takes its normal course instead of extra rounds of clarification.