Project Finance & Loan Advisory

A bank does not lend against a business plan described in conversation. It lends against a project report and a CMA data statement prepared to its own format, reconciled to the audited accounts, and standing up to the specific ratios its credit department is required to test. Preparing that documentation properly, so that it is complete on first submission rather than returned with queries, is a specialised exercise most businesses only encounter when they actually need the money — which is precisely the wrong time to be learning it.

We prepare project reports and CMA data for businesses across Raipur and Chhattisgarh seeking term loans, working capital facilities and project finance from banks and financial institutions.

We advise on financing options, prepare the financial documentation a lender requires, and support a client through the bank's evaluation process — reviewing sanction terms, explaining key credit ratios, and helping respond to technical queries raised by the bank's credit team on the figures submitted.

As Chartered Accountants, our practice acts as independent financial advisers — focusing on comprehensive project reports, financial projections, leverage analysis, and advice on structuring credit proposals to meet institutional lending guidelines.

Term loans, for machinery purchase, plant expansion, or new project setup, where the bank requires a project report setting out the cost of the project, the means of finance, and a projection of how the loan will be serviced from the business's own cash flow.

Working capital facilities — cash credit, overdraft, bill discounting — where CMA data is the standard documentation banks use to assess the Maximum Permissible Bank Finance a business can be sanctioned, and where facilities are typically renewed annually against updated figures.

Facility renewals and enhancements, where updated CMA data is required to support an increase in an existing limit, and where the ratios have to hold up against the bank's own credit norms just as they did at first sanction.

Subsidy and scheme documentation, where government schemes for MSMEs and specific sectors require project reports and financial projections in a prescribed format as part of the application.

Steel, iron and manufacturing units seeking term loans for machinery and expansion, and working capital facilities against substantial inventory and receivables.

Rice mills and agro-processing units, where seasonal working capital needs and project finance for capacity expansion both arise regularly.

Traders and distributors in cement, hardware and commodities, whose working capital requirement is driven by inventory holding and receivables cycles that a properly prepared CMA statement needs to reflect accurately.

Real estate promoters, for whom project-specific financing documentation sits alongside the RERA compliance work described on our RERA Services pages.

We advise on appropriate financing structures for your business requirement; prepare project reports and CMA data in bank-prescribed formats reconciled to audited accounts; compute and present key financial ratios (including working capital assessments and debt service coverage); and support clients throughout the bank documentation and credit evaluation process.