Prepare a short management note explaining current sales, order book, top receivables, stock movement and major upcoming payments. If the bank sees only old annual financials, it may be making a renewal decision with stale information. Current evidence can reduce uncertainty.
Also identify covenants or conditions from the previous sanction that may have been missed. Insurance renewal, stock audit, periodic statements or document submission can hold up renewal even when the business is profitable. Close these gaps before escalating processing delay.
After renewal, create a permanent compliance calendar so the same crisis does not repeat next year. Assign responsibility for GST/tax filings, stock statements, insurance and financial statements. Working-capital continuity is partly a finance problem and partly an operating-discipline problem.