Debt Funding Advisory
Banker-ready CMA data, project reports, and active lender liaison — to get your term loan or working capital sanctioned faster.
What We Cover
- CMA (Credit Monitoring Arrangement) data preparation — historical and projected
- Working capital assessment — CC, OD, LC, and BG facility structuring
- Term loan structuring — repayment schedule matched to project cash flows
- Information memorandum and project report preparation for lenders
- Bank / NBFC identification and proposal submission
- Credit query response and lender negotiation support
- NCD (Non-Convertible Debenture) structuring for debt capital markets
- Ongoing compliance — stock statements, QIS reports, and annual renewals
Key Deliverables
How We Work
Credit Assessment
Evaluate your current financial position, existing debt, credit score, and funding needs to determine the optimal debt structure and lender mix.
Documentation
Prepare CMA data, project reports, financial projections, information memorandum, and all supporting documents required by lenders.
Lender Identification
Identify and approach the most suitable banks, NBFCs, or financial institutions based on your profile, sector, and funding requirement.
Negotiation & Sanction
Present your case to lenders, respond to queries, negotiate terms including interest rate, tenure, and collateral, and secure sanction.
Disbursement & Compliance
Coordinate documentation for disbursement and set up ongoing compliance including stock statements, QIS reports, and annual renewals.
Is This Service Right for You?
Frequently Asked Questions
What is CMA data and why is it important?
CMA (Credit Monitoring Arrangement) data is a standardised financial analysis format required by banks for credit appraisal. It presents historical financials, current year estimates, and projected financials over the loan tenure. Well-prepared CMA data is crucial as it demonstrates your business's ability to service the proposed debt and directly influences the bank's credit decision.
How long does it typically take to get a bank loan sanctioned?
The timeline varies by lender and loan type. For working capital limits at PSU banks, the process typically takes 45-90 days from submission of complete documents. Private banks and NBFCs can be faster at 15-30 days. Our team proactively manages the process to minimise delays through regular follow-up and prompt response to bank queries.
What is the difference between a term loan and working capital facility?
A term loan is used for capital expenditure (plant, machinery, land, building) and is repaid over a fixed period in instalments. Working capital facilities (Cash Credit, Overdraft) are revolving credit lines used for day-to-day operations like raw material purchase and are typically renewed annually. Both have different documentation requirements and assessment criteria.
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