Term Loan Proposals
Greenfield and expansion term loans: cost of project, means of finance and security structure.
Read moreServices
Bank Loan & Appraisal
Banks finance projects they can evaluate. We prepare the proposal the way a credit officer reads it: a clear cost of project, a sound means of finance, credible projections, adequate security and a repayment schedule that the cash flows can carry.
Loan services
Working Capital & Cash Credit
CC/OD limits, enhancement, MPBF under the Tandon and Nayak methods, and drawing power.
Read moreCMA Data Preparation
CMA Forms I–VI, projections and ratio analysis in the bank's format.
Read moreCGTMSE & Collateral-Free Loans
Guarantee cover, eligibility and fee structure for collateral-free MSE loans.
Read moreTEV & Project Appraisal Support
Techno-economic viability inputs, lender query handling and credit-committee notes.
Read moreWhat a lender looks at
- Promoter: experience, contribution, credit history and track record of existing units.
- Project: technical feasibility, cost of project, implementation schedule and approvals status.
- Financials: projected profitability, debt service coverage, break-even, and sensitivity to lower prices or capacity.
- Working capital: operating cycle, holding periods and the method used to assess the limit.
- Security: primary security over assets financed, collateral, guarantees, or credit guarantee cover in lieu of collateral.
How we work with you and your bank
- 1
Diagnose
Review of existing financials, sanction letters and the new requirement, and identification of the lending route best suited to it.
- 2
Prepare
DPR or proposal note, CMA data, projections and the document checklist, in the lender's format.
- 3
Engage
Support in meetings with the branch and credit team, and prompt responses to queries.
- 4
Close
Sanction-condition compliance, documentation and the first disbursement.
Loan sanction is always the lender's decision. Our role is to make the proposal complete, consistent and easy to appraise. We do not promise approval or interest rates.
Want a structured view of your project?
Share the outline. We review it against our five-step approach and come back with the incentive scope, viability risks and capital gaps we see.