Working Capital & Term Loan Structuring

Right funding, not just more funding. We design capital structures that genuinely fit your business — optimising cash credit limits, term loan planning, and debt restructuring for maximum efficiency.

Capital That Works As Hard As You Do

Most businesses approach funding with one question: “How much can I borrow?” The better question is: “What structure of funding best fits my business cycle, growth plans, and risk profile?” Getting this wrong is expensive — over-leveraged businesses pay unnecessary interest; under-capitalised businesses miss growth opportunities. Our working capital and term loan structuring advisory analyses your cash conversion cycle, seasonal patterns, growth requirements, and existing debt obligations to design a funding structure that genuinely fits. We then support you through the application, negotiation, and implementation — ensuring you get not just approval, but the right terms.

Designing Your Optimal Capital Structure

Financial Position Analysis

We analyse your balance sheet, cash flow patterns, working capital cycle, and existing debt obligations to build a complete picture of your financing needs.

Funding Structure Design

We design the optimal mix — CC limits, OD facilities, term loan amounts and tenors, and any subsidy-backed instruments — calibrated to your actual business requirements.

Lender Selection

We identify the lenders best suited to your profile, sector, and requirements — considering interest rates, processing efficiency, and relationship quality.

Documentation & Application

All required financial documentation is prepared — CMA data, projections, net worth statements, and supporting schedules — in the format your lender requires.

Negotiation & Closure

We represent your interests in negotiations with lenders — working to secure the best possible interest rate, limit, and terms before final sanction.

Key Benefits

Your Capital Structuring Advantage

Well-structured funding reduces your cost of capital, preserves cash flow, and gives your business the financial flexibility to grow and weather adversity.

Reduced Borrowing Costs

Right-sized limits and well-negotiated terms mean you’re not paying interest on facilities you don’t need or rates that reflect poor structuring.

Improved Cash Flow

Working capital facilities aligned to your cash conversion cycle eliminate the liquidity gaps that force expensive short-term borrowing at the wrong time.

Growth-Enabling Capital

Term loans structured around your capital expenditure timeline provide the long-term financing your growth requires without straining day-to-day operations.

Debt Stress Relief

For businesses under debt pressure, restructuring advisory identifies options to reduce EMI burden, extend tenors, or consolidate facilities into a more manageable structure.

FAQs

We've Got The Answers

Key questions about our working capital and term loan structuring advisory and how it optimises your capital position.

How do you determine the right working capital limit for my business?

We analyse your operating cycle — inventory holding period, debtor collection days, and creditor payment days — to calculate the actual working capital gap your business needs to finance. This prevents both over-borrowing and under-funding.

Can you help with debt restructuring for existing facilities?

Yes. We work with businesses experiencing EMI stress, NPA risk, or mismatched loan structures. Options include tenor extension, interest rate negotiation, consolidation of multiple facilities, or restructuring under RBI schemes where applicable.

Do you charge success fees or fixed fees?

Our fee structure is transparent and agreed upfront. We offer both fixed advisory fees and milestone-based arrangements depending on the scope and complexity of the engagement. There are no hidden charges or surprises.

How do you negotiate better terms with banks?

We present your financial profile in the strongest possible light — highlighting strengths, contextualising weaknesses, and benchmarking against sector peers. We understand what lenders look for and structure the narrative accordingly.

Consult Now

Get the Right Capital Structure for Your Business

Right funding — not just more funding. Let’s design a capital structure that works as hard as you do.

Grow Your Business Faster

Working Capital & Term Loan Structuring