✅ আপনার CASE (Simple ভাষায়)

• 🏪 Total retailer (mudi dukan): 5,000

• 💵 Weekly supply: ₹2,000 per shop

• 📦 Weekly sales = ₹1,00,00,000 (1 Cr)

• 📈 Monthly turnover ≈ ₹4 Cr

• 🔁 Credit period: 7–14 দিন

👉 Bank-এ এটা high volume, fast rotation trade হিসেবে খুব attractive।

✅ BANK কী দেখবে? (Most Important)

Bank ৫টা জিনিস clear চাইবে:

1️⃣ Business model clarity
2️⃣ Cash flow rotation speed
3️⃣ Credit control mechanism
4️⃣ GST + banking discipline
5️⃣ Promoter credibility

এখন, কীভাবে present করবেন 👇

✅ STEP 1: BANK-READY BUSINESS NOTE বানান

এই পয়েন্টগুলো লিখবেন (1–2 page):

📌 Business Overview

Barabazar Pvt Ltd supplies FMCG / grocery items to ~5,000 small retailers on weekly cycle with short-term trade credit.

📌 Sales Model

• Weekly billing

• Credit: 7–14 days

• Repeat buyers

• Small ticket size → low default risk

📌 Collection Model

• Bank transfer / UPI

• Assigned field agent / distributor

• Stop-supply if payment delayed

👉 Bank এটা শুনে comfort পাবে

✅ STEP 2: CREDIT STRUCTURE (Bank কে যে কথা বলবেন)

🎯 Apply করবেন:

✅ Cash Credit (CC) / Working Capital

💰 Amount Calculation (Logical)

• 1 week exposure = ₹1 Cr

• Credit cycle = 2 weeks max
  ✅ Required WC ≈ ₹2–2.5 Cr

👉 প্রথমে apply করুন:

₹1–1.5 Cr Cash Credit Limit

✅ STEP 3: DOCUMENTS (100% Clear রাখুন)

📄 Mandatory

✅ Company incorporation
✅ MOA (Trading + Marketplace mention)
✅ GST
✅ Current account (6 months preferred)
✅ Last 6 months bank statement
✅ Directors KYC
✅ Board resolution for loan

📦 Extra (Strong Boost)

✅ Sample retailer list (50–100 shops)
✅ Sample invoices
✅ Credit policy (1 page)

✅ STEP 4: CREDIT POLICY (Very Important for Bank)

এটা লিখে জমা দিন:

• Max credit per shop: ₹2,000 weekly

• No cash collection

• Payment via bank/UPI

• Auto block on delay >7 days

• Area-wise distributor responsibility

👉 Bank দেখবে → Risk controlled

✅ STEP 5: কোন BANK / Channel এ apply করবেন?

🏦 Best Banks (Ground Reality)

✅ PSU Banks (1st choice)

• SBI

• PNB

• Union Bank

✅ Private (after traction)

• HDFC

• Axis

✅ NBFC (Backup)

• Lendingkart

• FlexiLoans

👉 Start SBI / PNB local branch থেকে।

✅ STEP 6: HOW TO TALK TO BANK MANAGER (Exact Line)

এইভাবে বলবেন 👇

“Sir, we do weekly B2B supply to 5,000 small kirana stores.
Average per shop exposure is just ₹2,000.
Credit cycle is max 14 days.
Sales rotation is fast and fully GST billed.
We need working capital cash credit to support scale.”

✅ এই ভাষায় bank serious নেবে।

✅ STEP 7: COLLATERAL লাগবে?

Options:

🔹 ₹1 Cr পর্যন্ত

• Without collateral (CGTMSE possible)

🔹 ₹1–2 Cr

• Partial collateral / FD / Property

📌 You can start ₹75 lakh – ₹1 Cr safely.

✅ STEP 8: PHASE-WISE SCALE (Smart Way)

👉 Bank trust built gradually

✅ VERY IMPORTANT (Common Mistakes Avoid)

❌ Long credit (30–60 days)
❌ Cash collection
❌ No credit policy
❌ Over-supply without limit

🔑 ONE-LINE STRATEGY

Small ticket, fast rotation, GST billed kirana supply = banker’s favourite trade finance model.