Business and funding profile
Document the operating model, funding purpose, customer concentration, seasonality and existing financial commitments.
BUSINESS FINANCE · UNSECURED BORROWING
High-value unsecured finance advisory in India
Make the repayment case clear.
Financial advisory for established businesses considering substantial unsecured borrowing. Understand the funding requirement, cash-generation capacity, existing commitments and documentation before making a borrowing decision.
Somesh Chandak & Associates · Chartered Accountants
Office in Thane · Services across India
ENGAGEMENT DETAIL
Start with cash generation and repayment.
Records and consistency
Compare the available accounts, tax-return summaries, bank information and management explanations. Identify matters requiring correction or clarification before submission.
Debt affordability
Model the effect of additional repayments on cash available for salaries, suppliers, taxes and ongoing operations. Evaluate downside assumptions rather than relying on a single forecast.
Structure assessment
Explain the financial differences between tenure, repayment frequency, charges and prepayment conditions in the terms available to the borrower.
Financial documentation
Prepare agreed schedules and projections, maintain an information-gap tracker and organise responses to financial queries.
Ongoing visibility
Where separately agreed, establish a repayment calendar and management reporting after the borrowing decision.
ENGAGEMENT DETAIL
Questions to resolve before borrowing.
Purpose and duration
Is the need temporary, seasonal or a lasting working-capital requirement? Does the proposed tenure fit the use of funds?
Cash-flow resilience
What happens if collections slow, a major customer delays payment or operating margins decline?
Total commitments
How will the new facility interact with existing debt, guarantees and restrictions in current facility documents?
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 |
|---|---|---|
| Business records | Review and analyse the agreed information. | Provide accurate records and disclose existing obligations. |
| Forecasts | Prepare scenarios and explain assumptions. | Approve business assumptions and assess commercial decisions. |
| Facility terms | Explain financial implications within scope. | Obtain appropriate legal advice and decide whether to borrow. |
| Credit assessment | Support the financial information pack. | The lender independently decides sanction, conditions and disbursement. |
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.
Discuss the requirement
Record the proposed amount, purpose, business profile and timing.
Assess the information
Review available financial records and identify gaps.
Model the borrowing
Prepare repayment and cash-flow scenarios for management review.
Finalise the pack
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 type, operating history and authorised contact
- Approximate amount, intended use and desired timeline
- Recent financial statements and current management accounts
- Existing borrowing and repayment obligations
- Customer collections, ageing and operating-cycle information
- Banking and return summaries, through an agreed private channel
FREQUENTLY ASKED QUESTIONS
Questions before we begin.
Can you assure an unsecured loan without guarantees?
No. The security classification and any guarantee or covenant requirements are matters for the lender and the actual facility documents.
Will you review borrowing affordability?
Yes, when included in scope. The analysis uses information and assumptions supplied or approved by management, and does not establish that a lender will sanction the requested amount.
Are personal consumption loans covered?
This page is intended for substantial business financing requirements. Describe the business purpose in the initial enquiry so that the firm can assess whether an advisory engagement is appropriate.
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.