BANK LOAN PROPOSAL (WORKING CAPITAL/TL/OD)
We are specializes in the field of raising of finance through term loan and working capital finance. We give customized solutions to all our clients based on their needs and requirements. Following are some of our salient features:
- Debt from Indian Banks and Institutions - Rupee Term loans for financing new project as well as for expansions
- Foreign Currency Term Loans – Foreign currency loans / Export finance (PCFC)
- Equipment Financing / Buyer’s Credit - from overseas banks for financing imported equipment secured by way of hypothecation of plant & machinery
- Working Capital Finance for setting up the new project as well as for expansion projects
- Bills Discounting, L/C Discounting, Crop Loans facilities
- Project Finance
PROJECTIONS & CMA DATA
CMA Data means Credit Monitoring Arrangement data. As per RBI guidelines, CMA data is required for Project Loans, Term Loans and Working Capital Limits. This data is to be provided by a company to bank for getting the loan from bank and every year, for renewing or enhancing their existing Bank loan.
A Projection or projected balance sheet indicates the expected future changes in the financial statements by considering the future investments, equity financing and the remaining liabilities. Usually businesses tend to prepare projected balance sheet in order to make strategic decisions.
Both CMA data and Projection are vital documents for the loan proposal to Bank.
PROJECT FINANCE DOCUMENTATION
Project finance is the long-term financing of infrastructure and industrial projects based upon the projected cash flows of the project rather than the balance sheets of its sponsors. Usually, a project financing structure involves a number of equity investors, known as 'sponsors', a 'syndicate' of banks or other lending institutions that provide loans to the operation. They are most commonly non-recourse loans, which are secured by the project assets and paid entirely from project cash flow, rather than from the general assets or creditworthiness of the project sponsors, a decision in part supported by financial modeling. The financing is typically secured by all of the project assets, including the revenue-producing contracts. Project lenders are given a lien on all of these assets and are able to assume control of a project if the project company has difficulties complying with the loan terms.
CORPORATE CREDIT RATING
Credit ratings are an important tool for borrowers to gain access to loans and debt. Good credit ratings allow borrowers to easily borrow money from financial institutions or public debt markets. At the consumer level, banks will usually base the terms of a loan as a function of your credit rating, so the better your credit rating, the better the terms of the loan typically are. If your credit rating is poor, the bank may even reject you for a loan.