Indian Banking and Finance

The Indian banking system plays a central role in supporting business growth, infrastructure development, and economic expansion by providing structured and regulated access to capital. It offers a wide spectrum of funding solutions designed to meet diverse business needs across working capital management, capital expenditure, project development, and promoter-level funding.

Businesses can access both fund-based and non-fund-based facilities, structured around cash flows, asset backing, project viability, and repayment capacity. Funding solutions range from short-term liquidity facilities to long-term loans for expansion and infrastructure creation. Banks also support project-specific funding through milestone-linked disbursements and tailored repayment structures, ensuring alignment with operational realities.

For promoters and growing enterprises, banking finance offers scalability, relatively competitive pricing, and the ability to structure facilities that support sustainable growth. However, successful access to bank funding requires careful assessment of eligibility, robust financial structuring, bank-ready documentation, and effective coordination with lending institutions.

:SCOPE OF WORK

Assessment of funding requirements based on business model, cash flows, project needs, and growth plans.
Evaluation of borrower eligibility and funding capacity across banking products and credit facilities.
Structuring optimal debt solutions aligned with cash flows and repayment capability.
Preparation of bank-ready proposals, financial models, projections, and credit documentation.
Advisory and execution support for term loans, working capital facilities, and capital expenditure funding.
Assistance for non-fund-based facilities including bank guarantees and credit enhancements.
Advisory for project funding (greenfield and brownfield), including milestone-linked disbursements.
Support for Loan Against Property and promoter-level funding, where appropriate.
Coordination with banks and financial institutions through appraisal, sanction, and disbursement stages.
Ongoing advisory for restructuring, enhancement, renewal, and optimisation of existing banking facilities.