Audit required by bank/investor

An audit required by a bank or investor involves confirming the reliability of financial data and assessing key risks before making a credit or investment decision.
Grażyna Janowicz conducts audits for banks and investors, taking into account both the expectations of financing institutions and the realities of business operations.

This type of audit does not result directly from the Act, but is part of the decision-making process on the part of the bank or investor .

What is the difference between a bank and investor audit and a statutory audit?

Audit required by bank or investor:

  • does not always include a full audit of the financial statements,

  • has a scope adapted to the purpose of financing or investment,

  • focuses on key risk areas,

  • it is often implemented in a shorter time and within a specific scope.

The form and scope of the audit are each time agreed with the client and, if necessary, with the financing institution.

When does a bank or investor require an audit?

A financial audit may be required in the following cases, among others:

  • applying for an investment or working capital loan,

  • refinancing existing debt,

  • implementation of significant investments or expansion of business,

  • entry of a capital investor,

  • sale of shares or stocks,

  • financial restructuring of the enterprise.

In such situations, an audit is part of the risk and credibility assessment of the company .

The scope of the audit required by the bank or investor

The scope of the audit is determined individually and may include, among others:

  • review of financial statements,

  • analysis of accounting records and accounting principles,

  • assessment of financial liquidity and debt level,

  • analysis of the ability to service liabilities,

  • identification of significant financial and tax risks,

  • confirmation of selected financial data,

  • preparing a report or opinion for the needs of a bank or investor.

The scope of work is each time adapted to the expectations of the financing institution and the company's situation.

Audit as an element of preparation for financing

An audit required by a bank or investor also serves a structured and preparatory function. It allows for:

  • identify areas requiring corrections early,

  • organize accounting and reporting,

  • increase the company's credibility in the eyes of banks and investors,

  • prepare the management board for loan or investment talks,

  • reduce the risk of delays or denial of financing.

Direct cooperation and responsibility

The audit is carried out directly by Grażyna Janowicz , which ensures:

  • personal responsibility for the quality of the analysis,

  • confidentiality of information,

  • efficient and direct communication with the client.

Experience in auditing financial statements and cooperating with banks and investors allows us to prepare an audit in a form that is understandable and acceptable to financing institutions .

Who is the bank and investor audit intended for?

The audit required by a bank or investor is addressed in particular to:

  • companies applying for bank financing,

  • enterprises planning investments or development,

  • companies preparing for investor entry,

  • debt restructuring entities,

  • companies wanting to confirm their financial credibility.

Contact

If a bank or investor requires a financial audit, please contact us. The scope and format of the audit will be tailored to the specific purpose and expectations of the financing institution .