We help Indian SMEs raise the money, not just document the request. That covers deciding how much to borrow and in what form, preparing the project report, CMA data and projections, approaching the right lenders, and staying with the file until it is sanctioned.
Most rejected files are not rejected because the business is bad. They are rejected because the projections do not tie together, the assumptions cannot be defended, or the working capital ask does not match the operating cycle.
Get the operating cycle wrong in the assessment and you either borrow too little and stay short, or borrow too much and pay for money you never needed.
A file is only useful if it gets sanctioned. We help you decide how much to borrow and in what form, approach the right lenders, answer the queries that come back, and attend the meeting where the questions get asked.
For existing borrowers, the more common job is enhancement — proving that your limits no longer match your turnover, and getting them raised without a fresh round of doubt.
A project report is the document a bank uses to decide whether to lend to you. It sets out the project, the cost, the funding pattern and the projected financials.
We build a single financial model and then produce everything the bank needs out of it, so the profitability statement, balance sheet, cash flow and CMA data can never disagree with each other.
Sometimes the most valuable output is being told not to do it. Before a new plant, line or product, we build the numbers honestly — capacity, cost, price realisation, capital required and the point at which it breaks even.
If the payback only works on the most optimistic assumption, we will say so, and we would rather say it before the machine is ordered.
Everything a lender asks for, in the format they ask for it, built from one consistent model.
Client names are held back for obvious reasons.
Manufacturing · ₹400 Cr turnover
The company ran with no forecast at all and met each cash shortfall as it arrived. We built a rolling 12-month forecast tied to the sales pipeline and took it into the bank review. ₹3 crore of additional facility was sanctioned.
CMA stands for Credit Monitoring Arrangement. It is a standard set of statements Indian banks use to assess working capital and term loan proposals — past and projected financials, fund flow, and a working capital assessment. Most banks require it for limits above a threshold, and effectively all require it for enhancements.
Two working days, provided all the data including past financials is made available to us. A greenfield project that needs a technical and market study takes longer, typically three to four working days.
No, and be careful of anyone who does. Sanction depends on your financials, security, credit history and the lender's own appetite. What we control is that the file is complete, internally consistent and defensible, which is the part that most commonly goes wrong.
Yes. We prepare files for public sector banks, private banks and NBFCs, and we have worked directly with banking teams.
A virtual CFO gives you senior finance leadership without a full-time salary. We produce a monthly MIS pack, a rolling cash forecast, product and cust…
Read moreProduct costing allocates every cost — material, labour, power, overhead and scrap — to the products that caused it. Most SME cost sheets stop at mate…
Read moreInternal audit tests whether your controls actually work — not whether the accounts balance. We run internal audits, stock and receivable verification…
Read moreSend us the last two years' balance sheets and the pain point that is bothering you most. We come back with things you can fix in the next quarter — no obligation, no sales deck.