A fragmented debt structure can place repayments, pricing and security obligations out of step with the operating cycle. We evaluate current facilities and develop a clearer plan for liquidity and expansion.
We review cash credit, overdraft, term debt, trade and supply-chain facilities; sanctioned amounts, utilisation, repayment dates, interest and charges, guarantees, collateral and lender covenants. The result is a single view of the obligations and security already committed.
We compare the debt schedule with inventory, receivables, payables, seasonal demand and projected cash generation. This shows where tenors, instalments or facilities may be poorly matched to the business cycle.
Depending on eligibility, we may propose refinancing, a balance transfer, consolidation, a coordinated lender structure or an additional working-capital facility. We examine total cost, available security and the practical transition from existing limits.
We organise the financial information and funding rationale for potential banks, NBFCs and other suitable institutions. The client retains the decision on proposed terms; any change requires lender assessment, required consents and final sanction.
Sanction letters, statements of outstanding debt and charges, recent bank statements, financial statements, GST information, collateral details and a brief account of the additional funding need.
