Corporate Compliance | Governance | Regulatory Advisory
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Scope
Credit proposals with banks & NBFCs
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Delivery
CMA data and project reports
H Khandelwal & Associates | Practice Area 11 of 13
Financial Assistance & Banking Advisory
Adequate funding is crucial for business expansion. We assist businesses in preparing financial documentation and facilitating credit proposals with Banks and NBFCs.
Our advisory focuses on presenting businesses professionally to lenders while simplifying the financing process.
Our services include:
- Business Loans
- MSME Finance
- Working Capital Loans
- Cash Credit & Overdraft
- Machinery Finance
- Project Finance
- CMA Data Preparation
- Project Reports
- Financial Projections
- Loan Documentation
FREQUENTLY ASKED
Questions about Financial Assistance & Banking Advisory
Common questions we are asked on this practice area. If yours is not covered here, get in touch and we will answer it directly.
Generally: audited financial statements for prior years, provisional figures for the current year, bank statements, GST and tax filings, details of existing borrowings and security, KYC and constitutional documents, and a project report with financial projections. We assemble and present these in the form lenders expect.
Credit Monitoring Arrangement data is the standardised statement of past and projected financials that banks use to assess working capital and term loan proposals. It is normally required for facilities above a threshold set by the lender. We prepare it consistently with your filed financials, which is where proposals often come unstuck.
Yes. Working capital facilities fund the operating cycle — receivables, inventory and payables — while term loans fund assets with a longer life such as machinery or a project. Matching the facility to the use of funds affects both cost and repayment pressure. We advise on the mix before you approach lenders.
We prepare and present the proposal, liaise with banks and NBFCs through appraisal, respond to their queries, and support the documentation and post-sanction formalities through to disbursement. The credit decision, of course, rests with the lender.
