Loan & Debt Advisory
A corporate credit consultancy for businesses — facility structuring, refinancing, covenant renegotiation and lender liaison, led by a partner with direct corporate banking experience inside HSBC India and Standard Chartered.
Corporate credit consultancy — not retail loan referral.
Our Loan & Debt Advisory practice is a corporate credit consultancy for businesses — helping companies structure, negotiate and manage bank credit facilities for working capital, term loans, and project finance. This is not a retail loan referral service for individuals; our work is with corporate finance teams and promoters on facility structuring, lender selection, and the documentation and negotiation that follows.
Led by a partner with a corporate banking background spanning HSBC India and Standard Chartered, this practice brings a lender's-eye view to how facilities are structured and how proposals are positioned — informed by direct experience inside the institutions that approve them.
- Companies seeking new or additional working capital and term loan facilities
- Businesses refinancing existing facilities on better terms
- Companies managing covenant compliance or facility renewal discussions
- Businesses under financial stress needing to re-scope facility terms with lenders
- Companies preparing a credit proposal for the first time
Building the case a credit committee will approve.
A well-structured credit proposal — with the right facility mix, realistic projections, and clear articulation of repayment capacity — moves faster through a bank's internal approval process. We prepare proposals from the perspective of how credit committees actually evaluate them, having sat on that side of the table.
- Working capital and term loan facility structuring
- Project finance proposal preparation and financial modelling
- Credit Monitoring Arrangement (CMA) data preparation
- Lender selection and comparison of indicative terms
- Coordination of documentation required for facility sanction
When existing facilities need to be revisited.
Whether the goal is better pricing, revised covenants, or restructuring terms for a business under financial stress, we support clients through the renegotiation process — preparing the financial case, identifying the right lender conversations, and managing the documentation that follows.
- Refinancing existing facilities for improved pricing or terms
- Covenant renegotiation and waiver request support
- Facility renewal documentation and annual review preparation
- Restructuring proposals for facilities under stress, including re-scoping of engagement terms where required
- Ongoing lender relationship management support
Built on direct corporate banking experience.
Most loan advisory relationships are run by intermediaries who have never sat inside a bank's credit process. Our practice is led by a partner with direct corporate banking experience at HSBC India and Standard Chartered — meaning the proposals we help structure, and the conversations we help frame, are built around how lenders actually assess risk and make decisions.