Capital, structured
around your project.
From setting up a new plant to bridging a working capital gap, we structure the right mix of debt — matched to lender, tenure and cost — so the business never runs short of funds at the wrong moment.
Overview
A funding proposal succeeds or fails on how credible the numbers look to a credit officer. We prepare projections, CMA data and the supporting narrative in the form lenders expect — and we do not put forward numbers a business cannot defend eighteen months later.
The firm has long-standing working relationships across the banking sector. That means we know how a particular lender reads a proposal, what they will question, and which documents close those questions before they are asked.
Our involvement does not end at sanction. Disbursement conditions, security creation and the first year of monitoring are where facilities most often run into difficulty, and we stay with the file through all of it.
At a glance
Who it is forWhat we handle
Scope of work.
Short-term revolving credit sits at one end of the range and long-tenure asset-backed finance at the other. Most of the work is finding the point on that line that actually fits the need.
Facilities we structure and syndicate
Project finance
Term loans for greenfield units, plant expansion or capacity addition — structured around DSCR, promoter contribution and project cash flows.
Overdraft & cash credit
A running account against stock, book debts or property, drawn and repaid as cash flow moves, with interest on the utilised balance only.
Working capital
Funding for raw material, inventory and receivables through cash credit, packing credit or bill discounting, sized to turnover.
Loan against property
Mortgage of residential or commercial property to unlock long-tenure funds at rates below unsecured borrowing.
Home loans
Financing for purchase, construction or renovation, with support on eligibility, subsidy schemes and lender comparison.
Business loans
Secured or unsecured term loans for expansion, equipment or capital infusion — matched to turnover, vintage and repayment capacity.
Machinery loans
Asset-backed finance for new or used machinery, with the equipment itself serving as primary security.
Term loans
Fixed-tenure funding for a defined purpose, repaid in structured instalments against a clear schedule.
Trade finance
Letters of credit, bank guarantees and bill discounting to support supplier payments and trade commitments.
Proposal preparation
- Financial projections and viability assessment
- CMA data in the format lenders require
- Project reports and detailed project reports
- Ratio, DSCR and repayment capacity analysis
- Promoter contribution and funding structure planning
- Sensitivity analysis on the assumptions that matter
From first conversation to disbursement
Assessment
We review your financials, project cost and repayment capacity to size the right facility.
Documentation
Project reports, CMA data and compliance papers are prepared to lender standards.
Lender matching
We approach the banks and NBFCs best suited to your sector, ticket size and tenure.
Sanction & disbursement
We negotiate terms, close documentation and follow through to disbursement.
Through sanction and beyond
- Lender selection and placement of the proposal
- Responses to credit queries and appraisal notes
- Security, collateral and documentation support
- Compliance with disbursement conditions
- Stock statements and periodic lender reporting
- Renewal, enhancement and restructuring proposals
Common questions
Answers before you ask.
What is CMA data, and why does every bank ask for it?
Credit Monitoring Arrangement data is a standard format setting out past performance, projected performance, working capital assessment and fund flow. It is how a lender compares your proposal against its own internal norms. Because the format is standardised, weak assumptions are easy to spot — which is why the reasoning behind each projection matters far more than the presentation.
How much promoter contribution will be expected?
It varies with the facility, the sector and the lender's own policy, and is assessed alongside your existing debt and the security offered. We work this out at the planning stage rather than after an application is filed, because the answer often decides how a project is phased.
How long does sanction usually take?
For a complete proposal at a bank already familiar with the business, a few weeks is realistic; a new relationship or a large project takes longer. Delay is almost always documentation rather than decision-making, which is why we assemble the full set before submission instead of answering queries one at a time.
Should finance and subsidy be planned together?
Always. Several schemes are credit-linked, meaning the subsidy flows through the lending bank and depends on the term loan being structured correctly from the outset. Planning the two separately is the most common reason a business qualifies for finance but misses the incentive attached to it.
Next step
Planning an expansion?
Bring us the plan before the spending starts — with funding, sequence matters as much as numbers.