Banking Advisory

The problem

Businesses accumulate banking arrangements rather than design them. A term loan here, a cash credit there, a bank guarantee at a rate agreed in a different interest cycle, collateral pledged against a facility that was repaid two years ago. Nobody reviews the whole picture because no single party is responsible for it.

What we deliver

Full review of the facility structure across all lenders — what exists, what it costs, and what secures it.
Pricing benchmarking against what comparable borrowers are currently being offered.
Covenant and security review, including release of collateral no longer required.
Consortium and multiple banking arrangements — structure, documentation and lead bank coordination.
Internal credit rating improvement: the specific financial parameters your rating turns on, and which are within reach this year.

Talk to CA Mukesh Goyal →