Private credit borrower checklist
What to prepare before approaching private-credit lenders.
Before a private-credit or debt process, lenders typically expect a company profile, financial statements, management accounts, a debt schedule, use of proceeds, a forecast and repayment plan, the security package, the corporate structure, key legal documents and a management presentation.
Borrower readiness checklist
Borrower profile
- Company overview and ownership
- Sector, history and key milestones
Financials
- Audited financial statements (typically 2–3 years)
- Latest management accounts
Debt schedule
- Existing facilities, lenders, security and maturities
Use of proceeds
- Clear, itemised use of the new funding
Forecast & repayment
- Cash-flow forecast and repayment plan
- Key assumptions and sensitivities
Security package
- Available collateral, guarantees and ranking
Corporate structure
- Group chart, key entities and jurisdictions
Legal documents
- Constitutional documents, material contracts
Existing lenders
- Consents, inter-creditor considerations
Management presentation
- Concise deck for lender meetings
How Matchpoint supports
We help assemble and pressure-test the package, then run a competitive lender process. See the private credit guide and Private Credit practice.
Working on a private credit borrower checklist mandate? WhatsApp a partner →
Related pages
Frequently asked questions
A company profile, financial statements, management accounts, debt schedule, use of proceeds, forecast and repayment plan, security details, corporate structure and a management presentation.
It varies, but a complete, well-organised package materially shortens diligence and improves terms.
Typically two to three years of audited financial statements, plus the latest management accounts so lenders can see current trading. Where audits are unavailable or dated, expect heavier diligence — and explain the gap up front rather than letting lenders discover it.
A concise deck for lender meetings: the company and its ownership, sector and milestones, the funding requirement and use of proceeds, the repayment plan with key assumptions, and the proposed security. It should match the data room exactly — inconsistencies between the two slow diligence.
Document existing facilities fully — lenders, security and maturities — and check consent requirements and inter-creditor implications before approaching new providers. New lenders will want to understand how their facility ranks against the existing security package, so this analysis belongs in the initial pack.
Last updated: July 2026.
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Speak to a partner about how this applies to your transaction. A partner responds personally, typically within one business day.
