The right lender, the right structure, and a file that survives credit committee.
Businesses often accept the first facility offered by their existing banker without testing whether the structure fits the cash cycle. A term loan where a cash credit was needed, or a repayment schedule misaligned with receivables, creates a liquidity squeeze that has nothing to do with profitability.
We assess the requirement against the business's actual working capital cycle, prepare the credit file, and approach institutions whose appetite matches the profile. Sanction and pricing remain the lender's decision throughout. For structured instruments, listed debt and market-linked issuances, we work through SEBI-registered merchant bankers from our panel.
What this covers
- Working capital assessment against the real procurement-to-collection cycle
- Term loan, cash credit, LC, BG and machinery finance arrangement
- Credit file preparation including projections, CMA data and justification notes
- Loan and debt portfolio diagnostics for businesses carrying multiple facilities
- Restructuring and refinancing support for stressed or mispriced facilities
- Consortium and multiple banking arrangement coordination
How we run it
Diagnose
Existing facilities are reviewed for pricing, structure and covenant fit before adding more.
Package
The credit file is built to answer the questions a credit committee will actually ask.
Place
Approach is limited to institutions whose sector appetite fits, protecting your credit record.