Debt Syndication & Structured Finance
Non-dilutive capital, placed at the right bank on the right terms. Working-capital limits, term loans, project finance, External Commercial Borrowing, NCDs and venture debt - how each instrument works and when it's the right call for a growing business.
See the Debt Syndication serviceWorking Capital Loans: CC vs OD vs WCDL
Cash credit, overdraft and working capital demand loan - the three Indian banking workhorses. How each one works, when to use which, and the drawing-power mechanics most founders miss.
Read articleDebt Syndication for Indian Businesses: A Practical Guide
Working capital limits, term loans, ECB, NCDs, venture debt - a CA's framework for picking the right debt instrument, the right bank, and the right terms. Written for founders, CFOs and promoter-led businesses raising non-dilutive capital.
Read articleProject Finance for Indian Capex: Bankability, DSRA & Drawdown
How Indian lenders actually evaluate a project finance proposal - bankability studies, DSCR thresholds, the DSRA mechanic, IDC capitalisation and the drawdown milestones that determine whether your project gets built or stalls at 60%.
Read articleExternal Commercial Borrowing (ECB): RBI's Automatic Route Decoded
The ECB rules in force since February 2026: who can lend, the USD 1 billion or 300% of net worth limit, market-linked cost, minimum average maturity, end-use limits and Form ECB filings, for founders and CFOs raising foreign debt.
Read articleTerm Loan vs Working Capital Loan: Match the Debt to the Use
Term loan or working capital loan? How Indian banks size each one, why funding capex from your cash credit backfires, and a checklist before you apply.
Read articleNCD Private Placement in India: Process, Cost and Rules
How an Indian company raises money through privately placed NCDs: Companies Act steps, secured NCD rules, listed vs unlisted issues, investors and cost.
Read articleCMA Data Report and DSCR: How Banks Read Your Projections
What a CMA data report contains, how banks calculate DSCR and read your projections, the ratios they test, and the assumptions that get a loan file sent back.
Read articleSME Credit Rating: How CRISIL, ICRA, CARE and India Ratings Work
How Indian credit rating agencies rate an SME: the rating scale in plain words, business and financial risk, the ratios analysts use, and the rating process.
Read articleCredit Rating Readiness Checklist for Indian Companies
A credit rating readiness checklist: the documents agencies ask for, banker feedback, projections, group structure and preparing for the management meeting.
Read articleHow to Improve Your Company's Credit Rating in India
How to improve a company credit rating in India: read the rationale, keep every repayment on time, cut leverage, shorten the cash cycle and fix disclosure.
Read articleBank Loan Rating vs NCD Rating: What Is the Difference
Bank loan rating vs NCD rating in India: what each is for, why the two grades can differ, how risk weights and investor rules work, and which to get first.
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