Bebaak Capital · Bank & Investor Readiness
CMA data and bank-loan readiness software for Indian MSMEs.
Bebaak Capital is CMA data and bank-loan readiness software for Indian MSMEs. Capital prepares you for bank finance: it assesses credit readiness from your financials, prepares CMA-style data and highlights what a lender will question. Use it before applying for a working-capital limit or term loan.
Early access₹ 1,499/month · excl. GSTEarly access: available to design partners now.
Who it's for
- Indian MSMEs applying for or renewing a CC/OD limit or term loan
- CAs preparing CMA data for clients
- Founders checking readiness before talking to lenders
Who it's not for
- Anyone expecting the software to arrange or guarantee a loan
- Businesses without a trial balance for at least the current year
Who should use it
- MSMEs applying for or renewing a CC/OD limit or term loan
- CAs preparing CMA data for clients
- Founders preparing for investor conversations
Problems it solves
- Loan files sent back for missing or inconsistent numbers
- No idea what limit your financials support
- CMA prepared in a hurry by someone else
Features by workflow
How Capital works, step by step
1
Bring data
- Trial balance (required)
- Optional: prior-year TB, ageing, stock summary, bank statement
2
Assess
- Credit readiness indicators (DSCR, current ratio, leverage, TOL/TNW)
- Drawing-power view from stock and receivables
- Issues a lender is likely to raise
3
Prepare
- CMA-style data tables
- Readiness report with action list
- Pair with our CMA & bank finance service for projections
Sample screen
What it looks like
Illustrative data. Your own figures appear once your books or files are in.
ReadinessModerate
DSCR1.38
TOL / TNW2.9
| Check | Value | Lender view | |
|---|---|---|---|
| Current ratio | 1.21 | Acceptable | |
| Debtors > 90 days | 18% | Will be questioned | |
| Drawing power | ₹ 48 L | Supports ₹ 45 L |
Example workflow
Start to finish
- Choose "Bank loan" in Data Bridge
- Upload the trial balance and any optional files
- Validate and approve
- Read the readiness report and fix the flagged items
- Optional: our team prepares projections and the full CMA
Reports & outputs
- Credit readiness report
- Key lending ratios
- CMA-style data tables
- Action list before applying
Configuration & integrations
- Data Bridge goal "Bank loan" or "Full pack"
- CMA input template available in Resources
Plan & price
Capital pricing
Per organisation per month, excluding GST. Annual billing saves up to 10%.
Capital₹ 1,499/month · excl. GSTEarly access
Also included in:
- Capital Ready — Score + Capital — ₹1,999/month
14-day free trial. Plans include 1 / 5 / 10 users and 1 / 5 / 10 GB storage (Starter / Business / Professional).
See full pricingFAQs
Questions about Capital
Does Bebaak arrange the loan?
No. Capital prepares you. Our capital advisory service can support applications on a scoped basis.
Is the CMA bank-ready?
The data tables support CMA preparation. Projections need assumptions and review; our CMA & bank finance service completes them.
Works well with
Related apps and solutions
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