Tips & Guidelines for Creating a Bank Proposal Template

A bank proposal template can help you create an impressive document that will get the attention of potential investors. When writing a bank proposal, you want to include all of the information that might interest any potential investor.

With this guide, you’ll learn how to craft a winning bank proposal that will have everyone wanting to invest in your project!

What Is a Bank Proposal?

A bank proposal is a document that outlines the terms and conditions of a loan or other financial agreement between a lender and borrower

It includes details such as the amount of money being borrowed, the interest rate, repayment schedule, and any collateral required to secure the loan. The proposal also outlines the responsibilities of both parties involved in the transaction. 

A bank proposal is an essential tool for lenders when considering whether to approve a loan request. It helps them assess the risk associated with lending money and determine if they are comfortable offering the requested funds. For borrowers, it clarifies what is expected from them throughout the loan period. 

When creating a bank proposal, it’s essential to be clear and concise about all aspects of the loan. 

Characteristics of a Bank Proposal Template

A typical bank proposal template should have the structure below to ensure it meets all legal requirements:

1 U.S.A dollar banknotes
Photo by Alexander Grey on Unsplash

Executive Summary

A bank proposal’s executive summary is crucial since it sets the tone for the entire document. It is a concise overview that summarizes the key points of the whole proposal. It should describe the proposal’s purpose and how it meets stakeholders’ needs.

The executive summary should include the purpose of the proposal, its main arguments, any financial or resource requirements, and the proposed timeline. Tailor it to the audience’s needs and expectations. In addition to describing the proposal’s main elements, it should explain how it will benefit stakeholders.

To ensure maximum impact, the executive summary should be written clearly, concisely, and not exceed one page. It should also be placed at the beginning of the bank proposal to grab the reader’s attention and provide an overview.

Loan Requested

This section is an essential consideration for both the lender and borrower. This is the amount of money a potential borrower asks for from a lender to cover costs associated with their loan application. 

Lenders will take into account factors such as;

  • Creditworthiness
  • Assets and liabilities
  • Income and payment history when deciding on the loan amount they are willing to extend. 


This section of a bank proposal is an important part of loan approval. It will be determined based on the borrower’s creditworthiness, ability to repay the loan, and other available collateral. The repayment period will depend on the nature of the loan, and some lenders may offer flexible repayment terms to suit individual needs. 

A repayment plan typically includes a series of periodic installments that include principal and interest to pay off the entire loan amount. A borrower must demonstrate their ability to make timely loan payments according to the terms to be authorized for a loan.


The collateral aspect of a bank proposal refers to the security that a borrower provides when seeking a loan. This can include real estate, equipment, accounts receivable, inventory, or other tangible assets pledged as a repayment guarantee.

The lender may require full collateralization of the loan to protect against loss in the event of default by the borrower.

3 Easy Tips for Writing a Bank Proposal

A well-written proposal can help investors understand your project and why they should invest in it. Explaining every detail of your loan request is important, so potential lenders feel confident and secure when investing. 

Conduct Research

Examine current banking trends, laws, and regulations to stay current on your loan application. This will ensure that your proposal meets all requirements for approval. 

Create an Outline

Once you have researched, it’s time to create an outline for your proposal. Consider including information such as:

  • Your financial needs
  • How much money do you plan to borrow
  • Terms of repayment
  • Risks associated with lending

This outline will help potential lenders understand your loan request and assess its viability.

Provide Detailed Information

When crafting a bank proposal, use language that is simple yet effective. Include why you need the money, how you’ll utilize it, and the loan’s risk.

Your goal should be to convince potential lenders that they are making a secure investment. Ensure you include detailed information about yourself or your business. 


A bank proposal templatedetails a lender-borrower financial agreement. It includes information such as the amount of money being borrowed, the interest rate, repayment terms, and any additional fees associated with the loan. 

Abir is a data analyst and researcher. Among her interests are artificial intelligence, machine learning, and natural language processing. As a humanitarian and educator, she actively supports women in tech and promotes diversity.

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