Bank Loan syndication


    Capital in the form of debt or equity in one of the fundamental requirements for starting, managing and growing a business. In India, it is easy for most businesses to syndicate capital in the form of debt from Banks as banks have a strong mechanism for evaluating and disbursing funds. Further, banks contribute more capital to businesses in India more than Private Equity Funds or Angel Investors or Venture Capitalist, therefore it is important for all Entrepreneurs to know about the banking facilities available and avail them properly.

   e associates india has a strong track record of bank loan syndication in India and has help businesses in a range of industries from Apparel Manufacturing to Power Generation obtain bank loan. We can help your business obtain Term Loans, Working Capital Facilities, Corporate Loans, Letter of Credits, Bank Guarantees, Loan against Property, Loan against Shares, etc., Our Financial Professionals will start by understanding your business, provide advisory relating to capital syndication, prepare the necessary detailed project report, submit request for credit to financial institutions, follow & reply to queries and work till sanction and disbursement of the requested credit facilities. Our Financial Professionals can help syndicate bank loan for your business, call us today.


Bank Loan Syndication Process


1.Project Report Preparation


e associates india can help syndicate bank loan for your business. Bank loan for your business can be syndicated for your business in 1 - 3 months, based on credit worthiness and other factors


2.Understanding


Prior to preparing the Detailed Project Report, our Financial Experts will work with you to understand your business, proposed plans and capital requirement


3.Project Preparation


Based on our understanding of your Business and the information collected, our Financial Experts will a Detailed Project Report for your business.


4.Project Finalization


Once the Detailed Project Report is prepared, we will help submit the same to Banks and help you with the process until the capital is syndicated


Frequently Ask Questions (FAQs)


What is Bank Loan Syndication?


Bank Loan Syndication is the process of formulating a credit request, preparing a detailed project report along with the necessary documents, submitting the requests to banks or financial institutions and obtaining sanction & disbursement of credit facilities.


What are the types of Bank Loan available?


There are many types of credit facilities and it is important for the Entrepreneur to choose the right one for his/her business, in consultation with a Financial Expert. Some of the types of Bank Loans available are Term Loans, Cash Credit Facility, Letter of Credit Facility, Corporate Loan, Loan against Property, Loan against Shares, Bank Guarantee, etc.,


Can I get a bank loan without any Collateral?


Yes, the Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE) Scheme provides a way for Entrepreneurs to obtain a bank loan of upto Rs.1 Crore without any collateral security. However, to obtain sanction under the CGTMSE Scheme, the Entrepreneur must have excellent track record and very good credit worthiness.


I have a very good idea for a business; can I get a bank loan?


Obtaining sanction of bank loan depends on many factors like the promoters profile, business model, past and projected financial performance, collateral security provided, etc., Banks do not lend only based on the business idea; the decision to sanction a loan is based on the factors listed above. Therefore, each case is unique and only a Financial Expert with experience in bank loan syndication can predict the outcome of a request for credit facility based on the information about your business. Talk to us today to see if you would be eligible for bank credit facilities.


What are some of the main factors that determine loan eligibility?


Some of the main factors that determine the credit eligibility of a business are Promoters background, business model, operational performance, infrastructure, location, collateral security offered, present financial Performance, future financial performance, credit repayment track record, external credit rating, etc., The credit decision is based on a composite of the above factors.


How long will it take to obtain sanction of bank loan?


The processing time for obtaining a bank loan is anywhere between 1 and 3 months. However, the processing time will depend on the information submitted by the promoter, information requested by the bankers and a host of other factors. Therefore, the 1 to 3 months is a very good estimate of the time required to obtain a bank loan.


How will e associates help me obtain Bank Loan?


e associates has experience financial professionals who syndicated bank loans for hundreds of business. Our Financial Professionals will first understand you business, know your requirements, prepare a custom Detailed Project Report for your business, advice you on the Capital Syndication options, submit the request to bankers or financial institutions and follow-up until sanction and disbursement of the credit facility. Our Financial Professionals will provide end-to-end support on the loan syndication process.


What documents or information should I provide to start the process?


Bank loan syndication process starts with our Financial Professionals understanding your business. So we would require information like your present or proposed business plan, business location, business infrastructure, promoters profile, past and/or projected financial performance, present relationship with banks or financial institutions, collateral security offered and other pertinent information. The information can be provided through email or phone. Once, our Financial Professionals understand your business, they can advice you on the Capital Syndication efforts and the roadmap to achieving financial closure.


What documents will be submitted to the Banks?


The submission to the banks will include a Detailed Project Report, Request Letter, Financial Statements, Business Constitution documents and other information pertaining to the credit request. In case, the bank requests for further documents or have a query, we will address the same in association with the client.


What will be the fee charged for Bank Loan Syndication?


e associates will initially charge a consulting fee for evaluating the client with respect to the bank loan syndication process. Once our Financial Professionals are satisfied with respect to the credit worthiness of the client, further fee and process will be discussed to start the Bank Loan Syndication process.


Get in Touch