Make the funding case before taking it to the lender.
We help manufacturing businesses quantify working-capital need, expansion cash flows, debt-service capacity and the financial story a lender will test.
Growth can be profitable and still run out of cash.
A new program or plant may require capex today, inventory before dispatch and customer credit after sale. The funding plan must cover the complete ramp-up—not only the equipment invoice.
We connect operating assumptions with balance-sheet ratios, drawing power, cash accruals, repayment schedules and promoter contribution before the proposal is circulated.
A lender-ready case should answer
- Why the funds are needed and when
- How sales and margins will ramp up
- What working capital the growth will absorb
- How much promoter contribution is available
- Whether cash generation covers debt service
- What can go wrong and how the business responds
From requirement assessment to lender discussion.
The mandate may cover a fresh proposal, enhancement, takeover, refinancing, project loan or analysis of an existing borrowing structure.
Limit assessment
- Inventory and receivable cycle analysis
- MPBF / projected turnover inputs where applicable
- Drawing-power and margin review
- Cash-credit, WCDL and non-fund limits
- Seasonality and customer concentration
- Enhancement justification
Expansion funding
- Project cost and means of finance
- Implementation and ramp-up schedule
- Term-loan sizing and moratorium
- DSCR and break-even analysis
- Promoter contribution and contingencies
- Project-information memorandum
Financial projections
- Integrated P&L, balance sheet and cash flow
- Working-capital schedules
- Debt and interest model
- Ratio and covenant forecasts
- Base, downside and sensitivity cases
- Assumption support
Lender presentation
- Business and promoter profile
- Industry and customer position
- Historic financial analysis
- Facility requirement and end use
- Risks and mitigants
- Response to lender queries
Debt review & refinancing
- Facility and pricing comparison
- Tenor and repayment realignment
- Takeover evaluation
- Security and covenant mapping
- Stress and liquidity review
- Restructuring scenarios
Bank coordination
- Data-room and information checklist
- Term-sheet comparison
- Meeting preparation
- Sanction-condition tracking
- End-use and post-sanction reporting support
- Coordination with legal and technical advisers
Numbers are necessary. Credibility comes from the bridge between them.
A proposal becomes persuasive when historic performance, projections and business reality tell the same story.
Cash generation
EBITDA quality, working-capital absorption, free cash flow and debt-service headroom.
Promoter commitment
Capital already invested, proposed contribution, withdrawals and support during ramp-up.
Execution risk
Customer approvals, tooling, capacity, implementation milestones, supply chain and contingency.
Financial discipline
Audit quality, tax compliance, account conduct, covenant history and timely information.
Resolve weak assumptions before the credit team finds them.
Define the requirement
Map the operating cycle, project plan, present facilities, security and promoter objectives.
Build the funding case
Prepare integrated projections, facility schedules, ratios and stress cases from supported assumptions.
Package the information
Create a concise lender memorandum and reconcile every major number to source data.
Support execution
Address queries, compare terms and track sanction conditions while management retains final decisions.
Clear mandate, clear commercial terms.
Do you arrange the loan?
We prepare and represent the financial case and may interact with lenders chosen by the client. Sanction remains entirely at the lender’s discretion.
Can you assess whether the proposed limit is enough?
Yes. We can model the operating cycle and ramp-up to identify underfunding, excess assumptions or a mismatch between facility type and cash need.
Do you work only on success fee?
Commercial terms depend on scope, lender involvement and the work required. They are agreed in writing before a mandate is accepted.
Bring the current sanction, proposed project and latest financials.
We can identify whether the first requirement is a funding model, proposal review, bank presentation or a wider finance mandate.