Funding Advisory & Financial Structuring
Capital is the fuel that drives corporate growth, expansions, and operational stability. However, presenting credit requirements to banks and financial institutions requires precise documentation, financial projections, and compliance checks. C S Kakkad & Associates acts as your financial consultant, structuring loans and syndicating debt to power your business ventures.
Our financial modeling tools prepare credit-worthy project dossiers and CMA data that align with banking guidelines, leading to quicker evaluations and credit sanctions.
Our Debt Syndication & Advisory Services
We provide professional representation and preparation services for securing different banking lines:
- Project Financing: Structuring finance for new factory setups, hotel construction, commercial properties, and infrastructure expansions.
- Term Loans: Advising and syndicating long-term credit lines for purchasing machinery, vehicles, technology platforms, or business assets.
- Working Capital Facilities: Formulating credit limits for Cash Credit (CC), Overdraft (OD) accounts, Bank Guarantees (BG), and Letters of Credit (LC).
- MSME & Startup Loans: Helping micro, small, and medium businesses access CGTMSE collateral-free loans, Mudra schemes, and startup subsidy credits.
- CMA Data & Project Report Preparation: Preparing standard Credit Monitoring Arrangement (CMA) reports, fund flow statements, and break-even charts required by bank underwriters.
Our Loan Advisory Process
We handle your funding files through structured planning:
- Needs Assessment: Reviewing your business projections, required capital outlay, and cash flow cycles to determine the right debt-equity ratio.
- Financial Modeling: Building multi-year cash flow projections, debt service coverage ratio (DSCR) charts, and sensitivity analysis.
- Dossier Compilation: Compiling CMA reports, past audited statements, KYC, ownership structures, and project summaries into a professional credit proposal.
- Liaison & Sanctioning: Presenting the proposal to public sector, private sector, and cooperative banks and resolving audit queries for smooth disbursal.
Documents Required for Loan Proposals
To structure your credit application and compile the CMA report, we require the following papers:
✓3 Years Audited Financial Statements & ITRs
✓6 Months Bank Account statements (All business accounts)
✓Company/Firm Incorporation docs (KYC of partners/directors)
✓Detailed Project Report (DPR) / Business Plan
✓Provisional Financials & CMA data projections
✓Collateral property documents & ownership records