CMA data, project reports, and liaison with banks and NBFCs for fund-raising.
Raising term loans or securing working capital limits requires more than just a good business idea; it requires speaking the language of credit committees. Banks and Non-Banking Financial Companies (NBFCs) evaluate creditworthiness based on precise financial modeling, primarily through Credit Monitoring Arrangement (CMA) data and comprehensive Project Reports. With the implementation of the RBI Project Finance Directions, lending norms have tightened significantly, demanding stricter compliance, detailed cash-flow ring-fencing, and stage-linked disbursements.
We act as your dedicated debt syndication partner. We translate your strategic vision into highly bankable financial documents, preparing detailed CMA data that perfectly aligns with RBI formats. Our team crafts exhaustive Project Reports detailing market feasibility, risk mitigation, and precise debt serviceability. Beyond documentation, we actively liaise with public sector banks, private lenders, and NBFCs on your behalf—negotiating interest rates, collateral requirements, and loan covenants to secure the most favorable cost of capital for your expansion, real estate development, or infrastructure project.
ForBusinesses seeking term loans or working capital loans.
DeliverableProject report and CMA data. End-to-end support from documentation till you get approved
GoalA fundable case, professionally presented. to get the best deal.
CMA data typically consists of six statements: your past performance, current year estimates, future projections (3-5 years), an analysis of your balance sheet, calculations of the Maximum Permissible Bank Finance (MPBF), and a detailed ratio analysis (liquidity, solvency, and profitability).
We prepare the proposal and liaise with lenders through the appraisal process.
CMA Data is almost entirely quantitative—it is the math behind the loan. The Project Report is qualitative and strategic. It explains the business model, the promoter's background, the market demand, the machinery required, and the specific risk mitigation strategies for the project. Both are required for a loan application.
A Term Loan is used for capital expenditures—buying land, constructing a factory, or purchasing heavy machinery—and is repaid in fixed EMIs over 5 to 10 years. Working Capital (like a Cash Credit limit) is a revolving line of credit used strictly to fund daily operations (buying inventory and bridging delayed receivables), and is renewed annually.
Yes. If your company's credit rating has improved or your financial ratios have strengthened since you took the loan, we can prepare an updated financial profile to renegotiate the interest rate spread with your current bank, or help you refinance the debt through another lender at a lower rate.
Yes. We prepare proposals for term loans, working capital, and project finance.
A credible, well-documented project report with realistic, defensible projections — which is exactly what we build.
Tell us a little about your requirement and our team will get back to you with the right guidance and a clear next step.
