Project Financing & Debt Syndication

Project financing is a complex journey that requires meticulous planning long before the first bank meeting. At Ajay Arun Mehta & Associates, we manage the entire lifecycle—from initial feasibility studies to the final disbursement of funds.

• - Capital Structuring: We advise on the ideal Debt-Equity ratio to ensure the project remains viable and the promoters' stakes are protected.
• - Lender Identification: We match your project with the right financial institution (PSU Banks, Private Banks, or NBFCs) based on the industry and the size of the loan.

A DPR is more than a document; it is your business's "Sales Pitch" to the bank. A poorly drafted DPR is the primary reason for loan rejection.

• - Technical & Financial Feasibility: We conduct rigorous sensitivity analysis to ensure the project can withstand market fluctuations.
• - Projected Financials: We prepare 5-7 year projections, including Balance Sheets, P&L accounts, and Cash Flow statements, backed by realistic assumptions.

The CMA Data is the standard format used by banks in India to appraise a loan application.

• - Ratio Analysis: We focus on critical metrics that bank managers look for—Current Ratio, DSCR (Debt Service Coverage Ratio), and Asset Coverage Ratio.
• - Technical Justification: We provide professional write-ups to justify the working capital requirements, ensuring the bank understands the operating cycle of your specific business.

Liquidity is the oxygen of any business. We help secure the funds needed for day-to-day operations.

• - Cash Credit (CC) & Overdraft (OD): We assist in assessing and securing limits against stock and book debts.
• - Term Loans: For the purchase of machinery, land, or building construction, we facilitate long-term debt with favorable repayment schedules and interest rates.

For businesses involved in manufacturing, infrastructure, or international trade, non-fund-based limits are essential for trust and execution.

• - Letters of Credit (LC): Facilitating smooth procurement by providing bank guarantees to your suppliers.
• - Bank Guarantees (BG): Assisting in performance guarantees or financial guarantees required for government tenders and large-scale contracts.

If a business is facing temporary stress, we help re-negotiate with lenders to ensure survival and eventual recovery.

• - Interest Rate Negotiation: Leveraging market data to help you move from high-cost debt to low-cost debt.
• - Loan Swapping: Moving loans from one bank to another to take advantage of better terms and higher limits.