{"id":4514,"date":"2026-05-26T08:30:00","date_gmt":"2026-05-26T09:30:00","guid":{"rendered":"https:\/\/consultoria.cv\/?p=4514"},"modified":"2026-05-25T19:50:33","modified_gmt":"2026-05-25T20:50:33","slug":"blog-financiamento-bancario-5-errors-reject-cabo-verde-dossier","status":"publish","type":"post","link":"https:\/\/consultoria.cv\/en\/blog-financiamento-bancario-5-erros-rejeitam-dossier-cabo-verde\/","title":{"rendered":"Bank Financing Cape Verde: 5 Mistakes that Reject the Dossier"},"content":{"rendered":"

To submit a request for financing without preparation is, in practice, to guarantee a \u00abno\u00bb from the bank. In Cape Verde, where access to corporate credit requires increasing rigour and where the Bank of Cape Verde<\/a><\/strong> has reinforced the credit risk<\/em> for the financial system, the S&D Consultancy<\/a> identifies the five structural errors that generate the most rejections and how to avoid them before submitting the dossier.<\/p>\n\n\n\n

Mistake 1: Cash flow without stress<\/em><\/h2>\n\n\n\n

Banks don't finance hopes, they finance numbers. Presenting linear projections, without conservative, base and optimistic scenarios, shows a lack of risk management. The credit committee first of all analyses the company's ability to generate revenue. cash<\/em> enough to service the debt - the so-called Debt Service Coverage Ratio (DSCR)<\/strong>.<\/p>\n\n\n\n

A credible dossier should include at least 36 months of monthly projections, with sensitivities<\/em> for change in sales (-10%, -20%) and costs of inputs<\/em>. If the DSCR falls below 1.20x in the conservative scenario, the project is considered high risk.<\/p>\n\n\n\n

How to avoid it:<\/strong> Build the financial model with three scenarios. In the scenario stress<\/em>, If you need financial modelling support, show that the company can still pay interest and capital, even with a drop in revenue. If you need support with modelling, S&D Consultoria prepares financial reports and investment analyses tailored to your project.<\/p>\n\n\n\n

Mistake 2: Insufficient or poorly justified equity capital<\/h2>\n\n\n\n

Banks demand proof of skin in the game<\/em>. If the equity is less than 20-30% of the total investment, or if its origin is not documented (transfers, savings, withholdings from previous years), the risk of rejection is high. Banks interpret low equity as a disincentive to responsible management - the problem of moral hazard<\/em>.<\/p>\n\n\n\n

In addition, funds of undeclared origin or without an audit trail (cash, gifts<\/em> undocumented) are automatically discarded under anti-money laundering legislation.<\/p>\n\n\n\n

How to avoid it:<\/strong> Document the origin of each equity shield. Bank transfers, declarations of withheld profits in organised accounting<\/a> or valuations of assets in kind must be substantiated and reconciled.<\/p>\n\n\n\n

Mistake 3: Guarantees not suited to the project risk<\/h2>\n\n\n\n

Offer a mortgage on a property with a doubtful residual value, when the project requires it industrial pledge<\/strong> on productive equipment, denotes a lack of knowledge about the policy of collateral<\/em> of the bank. Each type of financing requires a guarantee that reflects the nature of the asset being financed:<\/p>\n\n\n\n