Funding requirement
Separate working-capital needs, capital expenditure, refinancing and promoter contribution. Reconcile the proposed use of funds to the business plan.
BUSINESS FINANCE · SECURED BORROWING
High-value secured finance advisory in India
Prepare the financial case for your next investment.
Financial advisory and documentation support for businesses evaluating substantial secured borrowing, expansion funding or refinancing. Build a clear view of funding needs, repayment capacity and the information required for a lender’s independent assessment.
Somesh Chandak & Associates · Chartered Accountants
Office in Thane · Services across India
ENGAGEMENT DETAIL
A documented borrowing decision.
Financial preparation
Review available financial statements, provisional accounts, tax-return summaries, receivable ageing and existing facilities for inconsistencies or missing explanations.
Repayment analysis
Prepare cash-flow projections, debt-service workings and downside scenarios using management-approved assumptions. Explain where performance or timing changes could affect repayments.
Security information
Organise details of the proposed assets, ownership, existing charges and available reports. Legal title verification and independent valuation require the appropriate separately appointed professionals.
Application schedules
Prepare or review CMA data, project financials and financial explanations where included in the engagement. The borrower approves information before it is submitted.
Terms and follow-up
Explain the financial implications of available term sheets, repayment structures and covenant reporting. Support responses to financial-information queries within the agreed advisory scope.
ENGAGEMENT DETAIL
Typical matters for discussion.
Business expansion
A new facility, capacity addition, equipment programme or other defined business investment.
Working capital
A material gap between purchases, operating expenditure, customer collections and available funding.
Refinancing review
An assessment of existing repayments, security commitments, financial covenants and alternative funding structures.
CLEAR ACCOUNTABILITY
Who is responsible for what?
The engagement letter confirms the final allocation. Advice and preparation support do not transfer management decisions or statutory responsibilities.
| Work area | The firm’s agreed role | Client or other responsible party |
|---|---|---|
| Financial information | Prepare agreed analyses and identify gaps. | Provide complete records and approve assumptions. |
| Security and title | Coordinate the information checklist within scope. | Appoint legal and valuation professionals as required. |
| Credit decision | Explain financial information and scenarios. | The lender determines eligibility, amount, pricing, security and sanction. |
| Submission and borrowing | Support agreed financial schedules. | The borrower approves submissions, executes documents and meets obligations. |
On a small screen, scroll the table horizontally to read all responsibilities.
SERVICES ACROSS INDIA
Work with the firm from across India.
We serve clients across India from our Thane office. The engagement sets out records access, review meetings, responsibilities and delivery milestones. Any on-site visits, physical verification or other location-dependent procedures are agreed according to the assignment.
GETTING STARTED
A defined start. A documented hand-off.
Define the requirement
Discuss the amount, purpose, timing, existing facilities and proposed security.
Review the records
Identify inconsistencies, missing information and the financial work needed.
Prepare the financial pack
Develop projections and schedules with a documented assumptions record.
Review and respond
Obtain client approval and support agreed financial clarifications.
PREPARE FOR THE DISCUSSION
Information that helps us scope the work.
Start with a brief description. Detailed records can be shared later through an agreed private channel.
Do not put PAN, Aadhaar, passwords, bank statements or confidential documents in the public enquiry form.
- Business constitution, ownership and authorised contact
- Approximate funding requirement, purpose and expected timing
- Recent financial statements and current provisional accounts
- Existing loan and working-capital facility summary
- Receivable, payable, inventory and cash-flow information
- Basic particulars of the proposed security and existing charges
FREQUENTLY ASKED QUESTIONS
Questions before we begin.
Does security ensure approval?
No. The lender considers its credit policy, the borrower’s repayment capacity, documentation, security and other requirements. Security alone does not establish eligibility.
Can existing debt be reviewed?
Yes, an agreed review can examine repayment schedules, financial covenants, cash-flow pressure and refinancing assumptions. Any new lending decision rests with the lender.
What should the initial enquiry contain?
Share the business type, approximate borrowing amount, purpose, location and timeline. Detailed statements and identification records should use a private channel agreed after the initial review.
THE NEXT STEP
Tell us what your business needs.
Describe the matter, your business profile and the expected timeline. The firm will review whether an engagement is appropriate and discuss the scope.
Send a service enquiry
An enquiry does not create a professional engagement or guarantee an outcome.