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Engagement

Full Application File Audit

A line-by-line financial review of a complete loan, credit, or funding application before it is filed with a bank, leasing house, or grant body.

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Desk with financial documents, calculator, and pen prepared for review

Who this is for

Borrowers preparing facility applications, finance managers assembling pack submissions, and advisors who need an independent check before a credit committee meeting.

What you receive

  • Completeness check against the lender’s stated checklist
  • Cross-check of figures across cash-flow, balance sheet, and supporting schedules
  • Flagging of inconsistent disclosures, missing annexes, and unsupported assumptions
  • Written findings memo with prioritized corrections
  • One clarification call after you receive the memo

Outside this engagement

  • Negotiation with the lender or underwriter on your behalf
  • Preparation of audited financial statements
  • Legal opinions or collateral valuation reports
  • Guaranteed approval of any facility

How the review proceeds

  1. Intake & document list You send the draft application, lender checklist, and working papers. We confirm scope and turnaround within one business day.
  2. Line review We read the narrative, numbers, and annexes together — looking for gaps a credit officer would notice before you do.
  3. Findings memo You receive a structured memo: critical gaps, moderate fixes, and optional strengthening notes.
  4. Clarification call A scheduled call to walk through the highest-priority items and confirm what you will revise before filing.

Duration

Typically 5–8 business days for a standard commercial pack; larger facilities may need 10–12.

Delivery

Remote document review with video or phone clarification. On-site reading available in Songkhla and nearby provinces by arrangement.

Fee basis

From 28,000 THB for a single-facility commercial pack; quoted by page count, facility size, and urgency.

Ready to open a file?

Share your draft pack and lender checklist. We reply within one business day with a scoped fee and start date.

Schedule a scoping call

A full file audit is our flagship engagement. It is designed for applications that are nearly ready to leave your office but still need a careful second set of eyes on the numbers and the story that connects them.

We do not rewrite your application for you. We show where a credit officer is likely to pause, ask for more, or discount an assumption — so you can correct the file while you still control the clock.