Need capital to start, grow and manage your business, we provide loans in the form of short term loans and long term loans, check your ability to get a loan by bank loan rating and credit score check. Get complete information about the Syndication & Funding right from Term Loans to Unsecured Loans and the Process.

1. SYNDICATION &
FUNDING

2. Our Experts will help you in providing assistance from Term Loans to Unsecured Loans.
OUR SERVICES
BANK LOAN
SYNDICATION
BUSINESS PLAN
PREPARATION
SECURED LOANS UNSECURED LOANS
TERM LOANS WORKING CAPITAL COLLATERAL
FREE LOANS
CMA REPORTS BANK LOAN RATING CREDIT SCORE
CHECK & REPAIR

3. CONSTRUCT
$
CAPITAL
ACQUIRE
ASSETS
INSTALL
TERM LOAN
TERM LOANS
A Term Loan is a standard
commercial loan from a bank for a
specific amount that has a
specified repayment schedule and
a fixed or floating interest rate.
Term loans will also be repaid in
regular payments over a period of
time, as the asset generates returns.
Term loans are provided for acquiring
or constructing or installing or
establishing capital assets, which will
provide returns over a period of time.
Term loans are usually provided for
acquiring or constructing building and
acquiring or installing plant & machinery.

4. INTERMEDIATE TERM LOANS
TERM LOANS
DIVIDED INTO
TWO CATEGORIES
Usually the time period is running
less than three years, these loans
are generally repaid in monthly
installments from a business's
cash flow.
LONG TERM LOANS
These loans are commonly set for
more than three years. Most are
between three and 10 years, and
some run for as long as 20 years.

5. DOCUMENTS REQUIRED
For Salaried Applicants
For Companies
Proof of Identification
Proof of Income
Address Proof
Proof of Employment
Existing Loan Details
Proof of Identification
Address Proof
Office address and Ownership proof
Proof of business existence
Proof of Income
Bank statement
Passport size, coloured photograph
Existing Loan Details

6. FIVE “C’s”
CONFIDENCE / CONDITIONS
How accurate are the revenue
and expense projections?
CHARACTER
How have you managed other
loans (business and personal)?
What is your business experience?
CREDIT CAPACITY
The bank will conduct a full credit
analysis, including a detailed review of
financial statements and personal
finances to assess your ability to repay.
CAPITAL
What assets do you own that
can be quickly turned into cash if
necessary?
COLLATERAL
This is the primary source of repayment.
Expect the bank to want this source to be
larger than the amount you're borrowing.
3
4

7. WORKING CAPITAL
Working Capital Loans are
provided for financing everyday
operations of a company.
Companies that have high seasonality
or cyclical sales cycles usually rely on
working capital loans to help with
periods of reduced business activity.
And used to cover or build-up current
assets like inventory, stock-in-trade,
accounts receivables, etc.,
It refers to the current assets of a
company that is changed from one form to
another in the ordinary course of business

8. Inventory Management
Accounts Payable Cash Management
Cash and Cash equivalents is the most
important current assets that be managed
under working capital management.
Accounts Receivable
WORKING CAPITAL
MANAGEMENT
Accounts Payable called as short-term
debt payable within short periods of time
and is treated as a current liability by the
entity that has to make the payment.
Inventories basically include the raw materials,
WIP products, and finished goods manufactured
or bought from the suppliers.
Accounts Receivable refers to the amount
that is due when sales take place and is
allowed by the buyers to the seller while
conducting business on credit.

9. Based on Capital
WORKING CAPITAL
DIVIDED INTO
TWO CATEGORIES
Based on Time Period
Gross Working Capital
Investments in current assets must not be
either excessive or inadequate as it can
threaten the production capacity
It is crucial for maintaining a position of
liquidity and to make sure that current
assets exceed current liabilities.
Net Working Capital
Fixed Working Capital
Variable Working Capital
It is that portion of the total capital that is
required to be maintained in the business on
the permanent basis or uninterrupted basis.
It is that portion of the total capital that is
required over and above the fixed working
capital. This working capital is required to meet
the seasonal needs and some contingencies.

10. Nature & Size of the Business,
Production Policy,
Seasonal Variations.
Production Cycle Process,
Working Capital Cycle.
PAN of Company,
Partnership Deed/
Certificate of Incorporation
(As the case may be).
Bank Statement,
Last 3 years Income Statement
along with Audit Reports(If Any).
DOCUMENTS REQUIRED

11. Small Business
MSME
COLLATERAL FREE
LOAN
COLLATERAL FREE LOANS
The Loan provides by the bank
without supporting any security is
known as security free.
Under this Scheme, the Micro and Small
Enterprises (MSE’s) are eligible for
collateral-free loans up to Rs.1 Crore
A special type of Collateral Free Loan
Scheme is available in India under the
Credit Guarantee Fund Trust Scheme for
Micro & Small Enterprises (CGTMSE).
Small business and MSME Enterprises
can obtain collateral free loan from banks
under various schemes promoted by the
Government to boost Entrepreneurship
and small businesses in India.

12. CGTMSE
CGTMSE scheme is aimed at providing collateral-free loans
to small businesses.
Loans under this scheme are available to SMEs in both the start-up as well
as existent phases.
Launched in the Year 2000 by the Ministry of MSME’s.
Under the scheme, loans offered to SMEs are collateral-free. Small
enterprises are not required to bring in their own collateral to avail loan.
Loans can be obtained for working capital requirements, purchase of
machines, expansion plans, etc.
It is to be noted that small businesses involved in retail trade are not
eligible for this scheme.

13. Product Development
Expenses.
Procurement of
Plant & Machinery,
Tools etc.,
Share Purchase
Agreement.
Procurement of Computers. Share Allotment
Proof.
DOCUMENTS REQUIRED

14. LENDER
$
BORROWER
LENDER LENDER
BANK LOAN
BANK LOAN SYNDICATION
Bank Loan Syndication is the process
of involving several different lenders in
providing various portions of a loan.
Syndicated Loans arise when a project
requires too large a loan for a single
lender or when a project needs a
specialized lender with expertise in a
specific asset class.
Loan Syndication most often occurs
in situations where a borrower
requires a large sum of capital that
may be too much for a single lender
to provide or outside the scope of a
lender's risk exposure levels.
Thus, multiple lenders work together to
provide the borrower with the capital
needed.

15. The Main goal of syndicated lending is to spread
the risk of a borrower default across multiple
lenders, such as banks, or institutional investors.
In cases of Syndicated Loans, there is typically
a lead bank or underwriter, known as the
arranger, the agent or the lead lender.
Because Syndicated Loans tend to be much
larger than standard bank loans, the risk of even
one borrower defaulting could cripple a single
lender.
This lender may put up a proportionally bigger
share of the loan, or it may perform duties such
as dispersing cash flows among the other
syndicate members and administrative tasks.
HOW DOES IT WORKS

16. ADVANTAGES
Syndicated Loan facilitates
competition for business by
insinuating other banks to
supply market information to a
business in hopes of gaining
recognition.
Negotiating with one bank can
take several days, which is a
time-consuming process.
Managing multiple ban
relationships is an ardent task
and requires investment both
regarding money and time.
Syndicated facilities bring to the
businesses the best prices in
aggregate and spare the
companies their time and effort.
Borrowers enjoy flexibility in
structure and pricing, such that
they have a variety of options in
structuring their syndicate loans,
including multi-currency options.
DISADVANTAGES

17. List of present shareholders, partners, directors.
DOCUMENTS REQUIRED
Audited Financial statements for the last three years of the applicant
unit (if in existence).
Copy of PAN card/Passport / Voter ID card of all the promoters /
directors / guarantors.
Photograph of all the promoters/directors/guarantors with signatures.
Certified copy of Memorandum and Articles of Association /Certificate
of Incorporation/ Partnership Deed/ Registration Certificate from
Registrar of firms/ Societies, as the case may be.
Copies of the sanction letters for the present credit facilities to the
company / Associate concerns.
Detailed project report if any.

18. BUSINESS PLAN PREPARATION
A Business Plan is a document
that efficiently connects the
business and its potential to those
that matter.
It will cover the background of the
founding team, the business model, a
brief analysis of the market and
estimates of financial performance.
Such a plan must be framed even if you
are not looking to raise funding.
It could be a stockholder, a bank, a joint
venture you want to work for your
company.
What is Business Plan?

19. Financial Projections.
Do a market study,
Perform a competitor
study.
Plan a course of action
for the business with
goals and milestones.
Identify opportunities
for revenue generation.
Plan for lean period or
peak season for
business.
HOW TO WRITE A BUSINESS PLAN
Writing a Business Plan is extremely imperative for a new business start-up.
An Elaborate Business Plan will help you make

20. MAJOR PARTS OF BUSINESS PLAN
Industry OverviewBusiness Overview
Information about the
Member of the
Management Team
Executive Summary
Table of Content
Product or Service
Information
Marketing plan
Company Milestone,
if any achieved
Details of Company
Financial Plan
The Following are major elements of any well drafted
business plan. So divide the business plan into these areas
and work on them individually:

21. CMA REPORTS
CMA stands for Comparative
Market Analysis
CMA Report is often requested by
Bankers while sanctioning or renewing
credit facilities.
A thorough knowledge of the dynamics of
property sales in the specific area is required to
make judgments based on the data presented.
It is a vital tool for both buyers and sellers helping
you understand more about an individual property
and the market it is being sold in.

22. USEFUL FOR
FOR BUYERS
This Report helps to understand
the value of your target property
and potential price points that
will be attractive to the seller.
FOR SELLERS
This Report helps to check the
information being given to you
by your agent.
FOR INVESTORS
This Report helps to understand
what the property is likely to rent
for and ensure your revenue
predictions are made on an
accurate basis.

23. DOCUMENTS REQUIRED
Previous 2 years Audited
Financials.
Latest Sanction Letter (in
Case of Renewal).
Term Loan Repayment
Schedule,(if any).
Details of Proposed
enhancement (if any) along
with the terms and conditions
Provisional Financial for
the Current Year.

24. BANK LOAN RATING
Bank Loan Rating from external
agencies is used by Banks,
Vendors, Financial Institutions,
Investors and others.
Further, to improve awareness about
credit rating and its benefit, the
Government of India also provides a
subsidy for MSME businesses to obtain
SME credit rating.
Bank Loan Rating is used by Banks to
calculate the capital required by them for
that loan.
To gauge the financial health of an
Enterprise and its ability to make timely
payment of its bank loan, including
principal and interest payment.

25. Offers an independent and unbiased opinion on credit risk associated
with loans extended by banks.
BENEFITS FOR BANKS
Provides a dynamic ‘health check’ of portfolio.
Enables computation of Capital Adequacy Ratio(CAR) under the capital
adequacy framework recommended by the RBI.
Provides risk based pricing of bank facilities.
Inculcates financial discipline in borrowers.
Ensures quicker processing of loans and enhancements
Offers an independent view of the borrower’s strengths and
weaknesses through a detailed rating report.

26. Risk-based pricing of bank loans – lower borrowing costs for higher
rated entities.
BENEFITS FOR CORPORATES
Quicker processing of loans & enhancements.
Access to alternate avenues of funding.
Provide an independent view of the company’s strengths and
weaknesses through a detailed credit rating report.
Enhance visibility for the corporate in the investment community.
Avoid penal interests on unrated bank loans.

27. Enables risk based pricing – lower borrowing costs for competent
entities.
BENEFITS FOR BORROWERS
Enhances visibility in the investment community.
Enables quicker processing of loans and enhancements.
Provide an independent view of the company’s strengths and
weaknesses through a detailed credit rating report.

28. CREDIT RATING
CREDIT RATING AGENCIES
CRISIL
Credit Rating Information Services of
India Limited is the first credit rating
agency of the country which was
established in 1987.
ICRA
Investment Information and Credit
Rating Agency of India was formed
in 1991 and is headquartered in
Mumbai.
CARE
Credit Analysis and Research Limited
(CARE) offers a range of credit rating
services in areas like debt, bank loan,
and more.
ONICRA
Onida Individual Credit Rating Agency of India
established in 1993 which offers credit
assessment.
BRIPL
Brickwork Rating India Private Limited is
headquartered in Bangalore, this credit rating agency
is responsible to rate bank loans.
SMERA
Small Medium Enterprises Rating Agency
Of India Limited has two divisions – SME
Ratings and Bond Ratings. It was
established in 2011.

29. Copy of income tax,
GST, excise and wealth
tax returns, if filed.
Copy of the audited
accounts for the last
three years.
In case of new project
/expansion, a copy of the
project report containing a
brief project profile, cost of
the project, source/means of
finance.
Quality Certificates,
Authority letter to sign
the application.
Details of subsidy
and tax concession
available, if any.
DOCUMENTS REQUIRED

30. CREDIT SCORE CHECK & REPAIR
A Credit Score is a three-digit
number indicative of your credit
behaviour.
A high score means you have good
money-management skills and that you
repay your debts on time.
Likewise, a low score raises questions
about your financial credibility.
Consider it marks given to you by financial
institutions for your financial behaviour.

31. IMPORTANT
These credit reports plays a critical role in the loan application process.
India has three credit rating agencies namely CIBIL (Credit Information
Bureau (India) Ltd), Equifax India and Experian India.
These rating agencies regularly collect information from creditors,
lenders, utilities and other debt collectors to process the data into a
readable and usable form and provide credit information reports on
individual consumers for lenders.
DOCUMENTS REQUIRED Identity Proof (Any One).
Address Proof.
Electricity Bill.
Income Proof.
Certificate of Incorporation (For Companies).

32. To Get Loan Approvals
For the Fast Disbursal of Loan:
To Avail Loan at Lower Rate of Interest:
When you apply for a loan, the lender will
check your credit history before giving you
the credit.
A high credit score can also help you in getting a loan at
lower rate in case of Personal Loan where the interest
rate on loan varies over a wide range.
A high credit score will help you in getting a loan
approval faster. Faster approval means loan
disbursal will also be faster.
BENEFITS OF A GOOD CREDIT SCORE

33. CREDIT SCORE
STEPS TO INCREASE YOUR CREDIT SCORE
Paying off unpaid dues
Any credit card balance should be
removed at first instance.
Dispute Resolution
Any error in your credit report may be
disputed immediately with credit bureau
after reviewing your CREDIT Report.
Do not close your oldest credit card
We all think of closing down our old credit card accounts
that we hardly use. But to increase your CREDIT score
you should not close any older credit card.
Maintain your credit utilization ratio
Usage of your credit card should be limited to certain
important transactions.
Avoid applying for multiple loans
Avoid making multiple applications for loans
simultaneously. It will depict one as a credit hungry
person and affects credit score negatively.
Increase your credit limit
When you request your bank to raise your credit
limit, it does not necessarily mean that you get a
chance to spend beyond your means.

34. Name, Date of Birth,
Permanent Account
Number (PAN).
AADHAR Number,
Additional Identity
Proofs like Driving
License, Voter ID etc.
Current and Previous
Residential Addresses and
Employers Details (If Any),
Income Tax information
availed through Previous
ITR filings.
Information related to
overdraft facilities
available with your
banking accounts, etc.
Dates on which your
credit report was pulled by
lenders to determine loan/
credit card eligibility.
CREDIT REPORT INCLUDES

35. CAR
$
PROPERTY
HOME
BUSINESS
MORTGAGE
SECURED LOAN
SECURED LOAN
A Secured Loan is a loan in which
the borrower pledges some asset
(e.g. a car or property) as
collateral for the loan.
The debt is thus secured against the
collateral — in the event that the
borrower defaults.
The creditor takes possession of the
asset used as collateral and may sell it to
regain some or all of the amount
originally loaned to the borrower
Then it becomes as a secured debt owed
to the creditor who gives the loan.

36. BENEFITS
TAX BENEFITS
According to the Income Tax Act of
1961, almost all types of loans offer
tax benefits which you can avail.FINANCIAL FLEXIBILITY
Loans allows you to meet a financial
requirement or expenses you incur in life.
EASY AVAILABILITY
Based on details of income financial
history of the borrower and in some
cases based on collateral.
CONVENIENT TENURE
The tenure of a loan is ample
depending on the bank and amount.
GET REQUIRED AMOUNT
Based on your income and financial
history, the amount you require as loan
can be disbursed to you.
3
4

37. ADVANTAGES
Typically, the amount borrowed can only
be used to purchase a specific asset,
like a home or a car.
The personal property named as
security on the loan is at risk.
Secured loans typically come with a
lower interest rate than unsecured
loans.
You can borrow larger amounts
because lenders are confident that they
will get their money back.
DISADVANTAGES

38. MORTGAGE LOAN
CAR LOAN
DOCUMENTS REQUIRED
HOME LOAN
BUSINESS LOAN
You will, of course, need to submit a bunch of documents to the lender or
bank, so that they can establish your identity, address, and other details.
Different kinds of secured loans are:

39. PROOF OF IDENTITY
Driving License, Passport,
Voter’s ID, PAN Card.
PROOF OF AGE
Should be a verifiable
document that determines
your age, such as a birth
certificate, passport, voter’s
ID, etc.,
PROOF OF INCOME
For Salaried Individual.
PROOF OF RESIDENCE
This should also be a certified
document that verifies your
residential address in the eyes
of the law.
MORTGAGE LOAN
Bank Statements. For Self Employed Individual.
For Self Employed Non-
Professionals.
Original Property
Documents.

40. PROOF OF IDENTITY
Driving License, Passport,
Voter’s ID, PAN Card.
PROOF OF AGE
Should be a verifiable
document that determines
your age, such as a birth
certificate, passport, voter’s
ID, etc.,
PROOF OF INCOME
For Salaried Individual.
PROOF OF RESIDENCE
This should also be a certified
document that verifies your
residential address in the eyes
of the law.
CAR LOAN, HOME LOAN
Bank Statements. For Self Employed Individual.
For Self Employed Non-
Professionals.
Property Documents (In
Case of Home Loan).
Proforma Invoice of the
Vehicle to be purchased
/Quotation (In case of Car
Loan).

41. PROOF OF IDENTITY
Driving License, Passport,
Voter’s ID, PAN Card,
AADHAR Card.
PROOF OF ADDRESS
Electricity Bill/ Telephone
Bill/ Rental Agreement/
Lease Agreement.
FINANCIAL DOCUMENTS
Last 2 Years ITR along with
computation of Balance
Sheet, income & Profit & Loss
a/c for the last 2 yrs.
BUSINESS LOAN
PROOF OF INCOME
Bank Statement of Last
2 Years.
Certified true copy of
Memorandum & Articles
of Association.
Proof of Business
Continuation.

42. UNSECURED LOANS
One can avail of a loan without
any collateral or security for a pre-
decided period of time at a
particular rate of interest.
You might have to provide information
about your income, savings,
employment, or credit history.
Some common types of Unsecured Loans
include credit cards, student loans, and personal
loans.
The Loan is issued on the basis of your ability to
repay the loan.

43. ADVANTAGES
Unsecured loans may be difficult to
obtain if you do not have much positive
credit history or don't have a regular
income.
Typically, interest rates on unsecured
loans are higher than rates on secured
loans
The application process for an
unsecured loan often goes much
more quickly than the process of
getting a secured loan.
You may be eligible to get an unsecured
loan even if you do not own property to
put up as collateral.
DISADVANTAGES

44. DOCUMENTS REQUIRED
Identity Proof.
Address Proof. Recent salary slip or
current salary certificate.
Latest Form 16.Bank Statement of
last 3 months.
FOR SALARIED INDIVIDUALS

45. DOCUMENTS REQUIRED
Identity Proof,
PAN.
Address Proof.
Latest ITR along with computation of
income, recent Balance sheet along
with Profit & Loss a/c (CA Certified
/Audited) for the last 2 years.
Proof of Continuation.Bank Statement of
last 3 months.
SELF-EMPLOYED INDIVIDUALS AND
WORKING PROFESSIONALS

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47. THANKS FOR
WATCHING!
Contact Us
Tel: 123-456-7890
Web Site: www.yourwebsite.com
E-mail: your@email.com