R.M. TAHIR & CO.: Trustworthy Financial Appraisals and Income Estimation Services

R.M. TAHIR & CO. empowers banks and financial institutions with reliable Financial Appraisals and Income Estimation Reports for both business owners and salaried individuals. These reports provide a comprehensive and independent assessment of an applicant's creditworthiness, enabling informed lending decisions.

Benefits of Our Services

Our Income Estimation Reports offer valuable insights for lenders, including:

• Third-Party Verification: Gain an objective assessment of the borrower's financial situation, independent of their self-reported information.
• Creditworthiness Evaluation: Assess the borrower's ability to repay the loan based on their income and financial obligations.
• Enhanced Risk Management: Mitigate lending risks by identifying potential repayment challenges.

Our Thorough Approach

We ensure the highest quality standards through a comprehensive process that includes:

1. On-Site Business Visit: Our team members visit the borrower's business premises to gather firsthand information.
2. Detailed Information Gathering: We collect crucial data, including:
   • Business Operational History (minimum required period)
   • Borrower Involvement (for partnerships AOP - Association of Persons)
   • Shareholding and Profit/Loss Sharing Ratio (partnerships)
   • Business Financials (Revenue, Cost, Profitability, Assets)
   • Personal Finances (household expenses, dependents, education costs, etc.)
3. Verification and Due Diligence: Our field officer verifies all statements and documents provided.
4. Report Compilation: A comprehensive report is compiled based on the gathered information.
5. In-Depth Verification: The team leader conducts a deep dive into income sources, expenses, and wealth statements.
6. Cursory Checks and Observations: Additional checks and observations are made to ensure a well-rounded assessment.
7. Chartered Accountant Review and Report Issuance: A qualified Chartered Accountant reviews the report and authorizes its issuance.

By partnering with R.M. TAHIR & CO., you gain access to reliable and independent financial assessments, empowering you to make informed lending decisions. Contact us today to discuss your specific needs.