[X] Form 123-AB has been signed
[X] Project duration less than 2 years
...
[ ] Company financials have been audited and confirmed
And the offer was timed to expire within days. At first, I thought this was a joke in bad faith, as there would be no way to have all company financials audited and legally confirmed by a certified accountancy within 7 days. But then I just called some random accountant offices, told them my story of needing a quick audit for the bank and asked for a quote and their time frame.
One company offered to do it as same-day service. I faxed them the documents in the morning, then his assistants would check them, then the certified accountant (the guy running the company) would confirm that everything was in order and then I'd get my result in the evening.
When I drove there in the afternoon with my paperwork for them to confirm and stamp it, I was told that their head guy was on vacation and had never been in the office. But one helpful assistant stamped and signed all of my documents "i.A." = "in absence". The whole audit cost me less than my usual daily rate.
Next day, I told my contact at the bank how things had gone and he chuckled and just said: Yes, they know that we just need the audit to tick a checkbox in our liability insurance form.
In other words, while I considered what the accountant guy did to be a rather low-effort incomplete job, he did exactly what was expected of him by the bank and what I needed to get my deal done.