The method
Banker-grade appraisal, before your file reaches the bank.
A broker forwards your papers. An adviser builds the case. Below is exactly what we do, in the order we do it — published so you can hold us to it, and so you can compare it against whoever else is asking for the mandate.
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01
Financial SWOT
We read the last three years of financials, the current book and the security available, and tell you plainly what a credit officer will see. Strengths get built into the proposal; weaknesses get addressed before a lender finds them. This starts with a free 15-minute eligibility assessment.
You get: Written position on what you can raise, and on what basis.
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02
Instrument design
Term loan or cash credit, LAP or project finance, one facility or a mix — the instrument is chosen against your cash cycle and repayment capacity, not against whatever the nearest bank happens to be pushing this quarter.
You get: Facility structure, tenure and repayment profile.
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03
End-use justification
A credit committee sanctions a purpose, not an amount. We document what the money buys, why it earns, and how it services itself — the step most files skip and the one that most often decides them.
You get: End-use note tied to the project or operating cycle.
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04
Banker-grade appraisal
Our chartered accountants build the appraisal pack the bank would otherwise build after you apply: CMA data, projections, DSCR, TOL/TNW and working-capital assessment. The file reaches the credit desk already answering its questions.
You get: CMA data, projections, ratio and DSCR workings, project report.
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05
Lender matching
Your file goes to the lender whose written policy fits your profile — sector, vintage, security, banking conduct — rather than to ten lenders at once. Ten applications leave ten enquiry footprints and ten chances to be recorded as declined.
You get: A matched lender, with the reasoning shown to you.
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06
Documentation and gap-fixing
Most rejections are not credit calls; they are incomplete files, mismatched GST and books, unregistered charges, stale valuations. We audit the documentation and close the gaps before submission rather than after a rejection.
You get: A complete, internally consistent file.
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07
Sanction, disbursal and after
We follow the file through credit, sanction terms, and disbursal — and stay on for what the sanction obliges you to keep doing: stock and book-debt statements, renewals, subsidy claims and compliance MIS.
You get: Disbursal, then ongoing compliance support.
Deliverables
Nine documents, named
This is what a fee buys. If an adviser cannot list what leaves their office on your mandate, there is nothing to compare.
CMA data
Credit Monitoring Arrangement statements — audited past years, current position and projected years, in the format your lender actually accepts.
Detailed Project Report
Technical and commercial write-up for a new or expanding project: capacity, cost, means of finance, market and implementation schedule.
DSCR and repayment modelling
Debt service coverage worked through the tenure, with a sensitivity view so the repayment survives a bad year rather than only a good one.
TOL/TNW and leverage appraisal
Total outside liabilities to tangible net worth, current ratio, leverage and turnover ratios — the numbers a credit note is written around.
Working capital assessment
Limit sized to your operating cycle and holding levels, computed on the basis your lender applies rather than a round figure.
End-use justification note
A documented purpose for the borrowing, tied to the project or the cash cycle it funds.
Consortium and multiple banking
Where one lender cannot or should not take the whole exposure, we arrange and coordinate the arrangement between them.
Documentation audit
Line-by-line check of the file against the lender checklist, with gaps closed before submission.
Post-sanction compliance
Stock and book-debt statements, renewal papers, subsidy claim filing and the MIS your sanction letter requires.
Rejection prevention
Most declines are not credit calls
They are incomplete files. Mismatched GST and books, unregistered charges, a stale valuation, a missing partner consent, projections that contradict the last balance sheet. We audit the documentation against the lender's own checklist and close the gaps before submission — because a file corrected after a decline is a materially harder file than one submitted complete.
Single matched lender
Why we do not shotgun your file
Every application is a hard enquiry on your bureau record, and a cluster of them reads as distress to the next lender who looks. Worse, a decline is close to irreversible with that lender for a cooling period. We establish policy fit first and submit once, complete.
The full argument →The method starts with fifteen free minutes.
Bring the requirement, the last financials in outline and what security exists. You will leave with a written position on what is raisable.