Bank & funding
Preparation of CMA Data & Project Reports
- Preparation of Credit Monitoring Arrangement (CMA) reports
- Preparation of detailed project reports for term loans / expansion
- Fund flow, ratio analysis, break-even, and DSCR projections
- For CC/OD/Term Loans/Working Capital
Loan Syndication & Documentation Support
- Assistance in availing term loan / project finance / LRD loans
- Drafting of loan documentation, projections, and collateral matrix
- Support for consortium financing and multiple banking arrangements
Stock & Book Debt Audit
- Bank-mandated stock audit for borrowers
- Verification of inventory and debtors
- Analysis of drawing power as per DP statements
- Certification of reporting under RBI/Bank norms
Bank Statement & Cash Flow Analysis
- Monthly cash flow review & variance tracking
- Fund utilization review for lenders
- Preparation of actual vs projected comparison reports
Term Loan Documentation & Repayment Planning
- EMI and repayment schedule review
- Interest subsidy and capital subsidy analysis (if applicable)
Preparation of Net Worth & Provisional Financials
- Net worth certificate for individuals/companies
- Provisional Profit & Loss and Balance Sheet for interim funding
- CA-certified reports for bank submission
Banking Compliance & Reporting
- Regular compliance with sanction terms (like stock statements)
- Quarterly / monthly financial updates to banks
Working Capital Assessment & Renewal Advisory
- Working capital limit analysis (MPBF/Nayak Committee norms)
- Forecasting working capital requirements
- Loan renewal file preparation
Collateral Valuation & Documentation Assistance
- Review of property valuation and security cover adequacy
- Verification of title documents, EC, and encumbrance clearance
- Loan-to-Value (LTV) calculation and risk flagging
MSME Loan & Mudra Loan Facilitation
- Assistance in availing MSME Collateral-Free Loans
- Udyam registration and documentation bundling
- CGTMSE documentation and follow-ups
Project Viability & Financial Feasibility Studies
- Return on investment (ROI), IRR, and NPV analysis
- Viability review for start-up funding, NBFC loans
- Capital structure planning and investor reports
Loan Restructuring & One-Time Settlement (OTS) Advisory
- Advisory under RBI Prudential Norms
- NPA restructuring, OTS proposal drafting
- Negotiation support with banks/ARCs
