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Loan Consultancy, Credit Advisory & Project Financing Services

XLRATE CORPORATE CONSULTANCY LLP · Jammu

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Loan Consultancy, Credit Advisory & Project Financing Services

Navigate debt syndication, credit restoration, and bank financing with structured financial advisory. We optimize borrowing capacity, assemble bank-ready credit dossiers, resolve credit bureau discrepancies (CIBIL / Experian / Equifax), and structure debt facilities across commercial banks, NBFCs, and financial institutions under RBI frameworks.

Core Debt Advisory Verticals

1. Business & Working Capital Financing

  • Working Capital Facilities (CC / OD): Structuring Cash Credit (CC) and Overdraft (OD) limits based on drawing power, inventory holding periods, and trade receivables.

  • Term Loans & Capital Expenditure (CapEx): Term loan syndication for plant machinery, factory setup, technology upgrades, and business expansion.

  • Letter of Credit (LC) & Bank Guarantee (BG): Structuring fund-based and non-fund-based credit lines for trade procurement and statutory/tender performance security.

2. Project Financing & Debt Syndication

  • Detailed Project Report (DPR) Preparation: Formulating bankable DPRs covering project viability, market scope, technical specifications, and cash flow projections.

  • Credit Monitoring Arrangement (CMA) Data Preparation: Building financial modeling matrices (Form I to Form VI) including audited financials, operating statements, balance sheet projections, and cash flow statements.

  • Debt Structuring & Financial Ratios: Optimizing Debt-Service Coverage Ratio (DSCR > 1.5x), Interest Coverage Ratio, Current Ratio (> 1.33x), and Debt-to-Equity ratios to align with bank sanction criteria.

3. CIBIL Rectification & Credit Repair Services

  • Credit Score Diagnostics: Comprehensive analysis of CIBIL/Experian credit reports to identify reporting errors, unauthorized hard inquiries, delayed payment flags, or fraudulent accounts.

  • Bureau Dispute Resolution: Filing formal disputes with credit bureaus and financial institutions for correction of written-off, settled, or incorrectly reported default statuses.

  • NOC & Closure Processing: Mobilizing No Objection Certificates (NOCs) from lenders to update bureau databases and remove "Settled" or "Suit Filed" remarks.

4. Specialized Government Schemes & Subsidies

  • CGTMSE Scheme (Collateral-Free Loans): Facilitating collateral-free business loans up to ₹5 Crores for micro and small enterprises under the Credit Guarantee Fund Trust for Micro and Small Enterprises.

  • PMEGP & MSME Subsidies: Structuring applications for Prime Minister’s Employment Generation Programme (PMEGP) and state-specific capital/interest subsidy schemes.

Step-by-Step Execution Workflow

1
 
Financial Audit & Credit Profiling
Initial Assessment (1–2 Days)
1.Financial Audit & Credit Profiling:Initial Assessment (1–2 Days).

Evaluate client borrowing needs, analyze historical financial statements, and pull bureau credit reports (CIBIL) to determine eligibility and debt capacity.

2
 
CMA Data & DPR Formulation
Modeling Phase (3–5 Days)
2.CMA Data & DPR Formulation:Modeling Phase (3–5 Days).

Prepare the Credit Monitoring Arrangement (CMA) data, 5-year financial projections, sensitivity analysis, and the Detailed Project Report (DPR).

3
 
Lender Empanelment & Application Filing
Bank Submission (2–3 Days)
3.Lender Empanelment & Application Filing:Bank Submission (2–3 Days).

Select suitable lending institutions (PSU Banks, Private Banks, or NBFCs) based on interest rates, processing timelines, and collateral norms. Submit the credit dossier.

4
Due Diligence, Sanction & Documentation
Sanction & Disbursal (7–20 Days)
4.Due Diligence, Sanction & Documentation:Sanction & Disbursal (7–20 Days).

Coordinate bank site visits, legal title search reports (TSR), valuation reports, and credit committee queries to secure the Sanction Letter and execute loan agreements.

Comparative Analysis of Key Business Financing Options

Financing Product Target Purpose Primary Collateral Requirement Key Evaluation Metric
Cash Credit (CC) / OD Day-to-day working capital & inventory.

Primary: Stocks & Debtors.


Secondary: Immovable Property.

 Stock Statements & Current Ratio (>1.33).
Term Loan Machinery purchase, building, CapEx.

Primary: Asset purchased.


Secondary: Immovable Property.

 DSCR (>1.5x) & Project Internal Rate of Return (IRR).
CGTMSE Loan Collateral-free MSME expansion. Nil (Covered under CGTMSE Trust). Business vintage, cash flows, and CIBIL score (>750).
Loan Against Property (LAP) Debt consolidation or business expansion. Commercial, industrial, or residential real estate. Loan-to-Value (LTV) ratio (up to 60-70% of market value).

Mandatory Document Checklist

  • Entity & Promoter Credentials:

    • PAN Card and Aadhaar Card of Proprietor / Partners / Directors.

    • Business Registration Proof (COI, Partnership Deed, GST Registration, Udyam Registration).

    • KYC and Net Worth Statements of Promoters and Guarantors.

  • Financial Records:

    • Last 3 years’ Audited Financial Statements (Balance Sheet, Profit & Loss Account, Audit Reports with UDIN).

    • Last 12 months’ Bank Account Statements for all current and OD/CC accounts.

    • Latest GST Returns (GSTR-3B & GSTR-1) for the current financial year.

  • Project & Property Documents (if applicable):

    • Copy of Title Deeds, Jamabandi/Khatauni, Approved Building Plan, and Mutation records for collateral property.

    • Quotations for plant and machinery to be purchased.

    • Existing loan sanction letters and track record statements (amortization schedules).

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