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Debt Syndication and Funding Advisory
Debt advisory prepares a lender-ready credit case, identifies suitable regulated lenders/products, coordinates diligence and compares written terms; the lender alone decides sanction and disbursement.
Last Reviewed: 29 July 2026
Next scheduled review: 29 October 2026
Reviewed by: IndiaBusiness.ai Editorial
Who it’s for
When you may not need it — Do not borrow without a credible repayment source. Equity may be better for highly uncertain, long-gestation uses; a small standard facility may not justify syndication.
At-a-glance facts
Key facts table
| Facility | Typical use | Key risk |
|---|---|---|
| Cash credit/OD | Working-capital cycle | Drawing power, renewal and stock/debtor reporting |
| Term loan | Capex/expansion | Repayment starts before cash flow matures |
| Invoice/receivable finance | Eligible invoices | Debtor quality, recourse and dilution |
| Equipment finance | Specific asset | LTV, insurance and asset security |
| Unsecured business loan | Fast general funding | Higher cost and tighter cash flow |
Process
Step 1
Funding-purpose, affordability and debt-capacity assessment.
Step 2
KYC, financial, tax, banking, existing-debt and collateral data room.
Step 3
Normalise EBITDA/cash flow and build base/downside repayment case.
Step 4
Prepare information memorandum and lender shortlist.
Step 5
Obtain borrower approval before outreach.
Step 6
Coordinate lender questions, valuation/legal/technical diligence.
Step 7
Compare sanction letters line by line.
Step 8
Support conditions precedent and borrower-to-lender disbursement.
Step 9
Handover covenant and repayment calendar.
Documents needed
- Entity/KYC/beneficial owners
- 3-year financials and current management accounts
- ITR/GST
- Bank statements
- Existing sanctions/repayment
- Receivables/inventory
- Projections
- Collateral/title
- Licences, litigation and purpose quotations
What IndiaBusiness takes care of
- Readiness diagnosis
- Credit memo
- Financial model
- Lender mapping
- Authorised coordination
- Term-sheet comparison
- Covenant tracker
Questions founders ask
Can you guarantee sanction or a particular interest rate?
No.
Should we pay a “release fee” to a personal account?
No. Verify every fee with the regulated lender and written sanction; report suspicious demands.
Will IndiaBusiness collect the loan and pass it to us?
No. Funds should flow directly between the regulated entity and borrower as applicable.
Is every digital lender an RBI-regulated lender?
Verify the actual regulated entity; an app or service provider is not necessarily the lender.
You may also need
Primary sources
Information is general and reflects sources reviewed on the date shown. Eligibility, documents, fees, timelines and outcomes depend on the applicant’s facts and the current law, authority portal or platform policy. IndiaBusiness provides advisory and execution support; approval and enforcement decisions remain with the relevant authority, certification body, platform, bank or other decision-maker.