Loan Readiness, Assessment with Documentation

Before you approach a bank or NBFC for a complex or high-value business loan, get your financing structure right. We review your credit, financial and banking profile, along with your project and funding requirement, and help structure the loan in a way that is practical and bankable.

This service is particularly useful for higher funding requirements, existing loans, takeover & enhancement, multiple facilities, collateral-based financing, business expansion or subsidy-linked funding.

Typical situations we help with:

1. You need a high-value loan, but your ITRs or existing financials may not support the desired funding
2. You have an existing CC / OD and require takeover + enhancement
3. You need a combination of Term Loan + Working Capital
4. You are setting up a new project or expanding an existing business
5. You want to structure Bank Finance + Government Subsidy
6. Your CIBIL, existing borrowings or collateral position makes the case more complex
7. You are unsure about the right loan amount, facility mix or funding structure for your requirement

What we review:

1. CIBIL / Credit Report - Credit history, existing exposures and repayment track record
2. Financials & ITRs - ITRs, Balance Sheet, P&L and GST returns
3. Banking & Existing Borrowings - Banking conduct, CC / OD, term loans and existing obligations
4. Project & Loan Requirement - Project cost, purpose and proposed funding requirement
5. Promoter Contribution & Funding Mix - Margin, own contribution and overall financing structure
6. Collateral & Security - Available collateral and existing security exposure
7. Repayment & Working Capital - DSCR, cash flows and working capital requirements
8. Government Scheme Compatibility - Applicable government schemes based on the location and nature of the business/project

What you get:

1. Loan Structuring & Bankability Assessment

We determine the appropriate loan amount, facility mix, promoter contribution, security structure and financing approach, while identifying key gaps that may need to be addressed before approaching the lender.

2. Project Report + CMA Report

We prepare the Project Report and CMA Report required for the proposed bank financing, based on your actual financials, project details and recommended funding structure.

3. Banking Capability & Scheme Recommendations

You get practical recommendations to strengthen your proposal based on your CIBIL, financials, banking conduct, existing exposure, collateral and overall credit profile, along with an assessment of applicable government schemes.

For government scheme assessment:

1. Businesses based in Maharashtra: Applicable Central Government + Maharashtra Government schemes
2. Businesses based outside Maharashtra: Applicable Central Government schemes only

4. Continued Support

This is not just a one-time consultation call.

You will have one detailed consultation call through Topmate to discuss your requirement and finalize the financing structure. After the initial consultation, we will connect with you on WhatsApp for further discussions and small follow-up calls related to the same financing requirement.

No additional consultation fee will be charged for these follow-ups. You can reach out whenever required while working on the proposed financing.

Before the consultation:

You'll be asked to share the relevant CIBIL report, financial, banking, loan, property and project documents in advance so that the assessment, loan structure, CMA and Project Report are based on your actual numbers and existing position, rather than assumptions or estimates.

Please note:

This service includes loan structuring, Project Report, CMA Report, government scheme assessment and continued support for the same financing requirement. We shall not approach/ engage with the lenders as your consultants for the loan process.

It is not a guarantee of loan eligibility or loan sanction. Final approval, loan amount, pricing, collateral requirements and other terms remain at the discretion of the lending institution.