Working Capital Finance Advisory
Supporting Liquidity Objectives
General Audience
Eligible MSMEs, manufacturers, and trade businesses exploring options for cash flow management.
Context
Navigating traditional banking criteria for working capital can be challenging for businesses without structured financial presentations.
Advisory Scope
Consulting on the preparation and presentation of financial data to support applications for structured debt or invoice discounting.
Potential Advisory Elements
Financial Review
Assess operating cycles and documented working capital requirements.
Instrument Evaluation
Discuss potential structures such as cash credit, supply chain finance, or term loans.
Documentation Support
Assist in compiling financial reports and narratives for lender review.
Process Coordination
Support the business in coordinating responses to lender queries.
Potential Deliverables
- Working Capital Assessment Review
- Debt Structure Presentation
- Documentation Checklist
Illustrative Examples
Engagement Boundaries
We aim for clarity of scope. To ensure alignment, we outline general boundaries that may apply to our engagements, subject to regulated professional confirmation.
May Support
- Debt structure advisory
- Documentation preparation support
- Cash flow presentation
- Lender coordination
Generally Outside Scope
- Direct lending
- Approving credit risk
- Guaranteeing sanction amounts or rates
Service FAQs
Can you guarantee lower interest rates?
No. Interest rates and limits are determined entirely by the underwriting policies of independent lenders.
Do you lend directly?
No. We are not a bank or NBFC; we provide advisory support only.
What is required to begin?
We typically require access to recent audited financials and GST filings to evaluate viability.
Do you assist with non-bank lenders?
Yes, we may advise on structuring applications for both traditional banks and alternative NBFCs.
How long does a bank sanction take?
Sanction timelines are strictly controlled by the respective financial institutions and cannot be guaranteed.
Do you handle the legal mortgage process?
No. All legal charges and mortgages are executed directly between the borrower, the lender, and registered legal counsel.