A proposal credit committees actually approve.

We model your business the way the lender will model it, and answer their questions before they ask.

Bank formats

All PSBs + private

Turnaround

7–14 days

Sectors served

Manufacturing • Trade • Service

Overview

What this practice does.

A high-quality proposal moves a file from credit committee to disbursal. We draft yours with the discipline of a CFO and the realism of a lender.

Areas of work

What we cover.

CMA data

Operating-cycle aware working capital assessment in bank-prescribed format.

Project report (DPR)

Techno-commercial story, sensitivity analysis and risk mitigation.

Financial projections

Three-statement model with debt service coverage testing.

Annexures

Vintage analysis, GST reconciliations and stock statements.

Deliverables

What you receive.

Tangible, dated outputs you can show to a lender, a board or a regulator.

Bank-format CMA

Detailed project report

Profit & loss, balance sheet and cash-flow projections

Sensitivity and DSCR analysis

Lender-specific annexures and certifications

Process

How an engagement unfolds.

STEP 01

Brief

Business, banking conduct and ask.

STEP 02

Data room

Past financials, GST, bank statements.

STEP 03

Build

CMA and projections drafted and stress-tested.

STEP 04

Review

Internal review and client sign-off.

STEP 05

Submit

Lender submission and query support.

Related practices

All services

Bank Finance & MSME Advisory

Credit Monitoring Arrangement (CMA) preparation, Debt Service Coverage Ratio (DSCR) analysis, working capital assessment, and lender-ready documentation designed to improve funding outcomes.

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Project Finance

End-to-end support for infrastructure, industrial, energy, and expansion projects, from Detailed Project Reports (DPRs) and financial modelling to financial close.

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