The order book is growing faster than the sanctioned limit.
Sales are up, the order book is full, and the sanctioned limit hasn't moved in three years. Every rupee of growth is funded from stretched creditors and delayed payments.
Where most of these mandates start.
Sales are up, the order book is full, and the sanctioned limit hasn't moved in three years. Every rupee of growth is funded from stretched creditors and delayed payments.
The enhancement request keeps getting deferred for 'more information', and nobody tells you which number is actually blocking it.
How capital providers actually assess this.
For growing SMEs, credit assessment turns on working-capital cycle, drawing-power computation and the quality of the projections. A CMA that isn't reconciled to the audited books, or projections that assume margin expansion without explanation, stops the file quietly.
Sound businesses are frequently declined for presentation gaps — unreconciled stock statements, opaque related-party flows, or a funding ask that doesn't match the working-capital gap it claims to fill.
The parameters this is assessed against.
- Ticket size
- ₹5 Cr – ₹100 Cr
- Turnover
- ₹10 Cr and above
- Vintage
- Three years of operations with audited financials
- Conduct
- Regular repayment record; no wilful default
- Timeline
- 6–10 weeks to sanction
What has to be on the table.
- Audited financials for the last three years plus latest provisional numbers
- GST returns and bank statements for the last 12 months
- Company profile, shareholding pattern and group structure
- KYC of the entity, promoters and directors
- CMA data — historical and projected fund flow, ratios and working-capital assessment
- Existing facility sanction letters, repayment track and security details
- Schedule of collateral with valuation and title documents
- Stock and debtor statements for the last six months
- Order book, key customer contracts and creditor ageing
We understand the capital requirement, structure the transaction and take it to the right capital providers.
Understand the requirement
Measure the true working-capital gap from the operating cycle rather than the number the business has been asking for.
Structure the transaction
Right-size the fund and non-fund limits, rebuild the CMA and projections, and align security with what the business can actually offer.
Take it to the right capital providers
Institutional lenders and structured credit providers whose SME appetite matches the sector and ticket.
Term sheets, negotiation and closure
We run competing term sheets side by side, negotiate pricing, covenants and security, manage diligence, and stay on the mandate through documentation and disbursement.
Answers before the first call.
Why do SME funding applications get rejected?
Most often for presentation and documentation gaps — CMA data inconsistent with audited books, unsupported projections, unreconciled stock statements, or a funding ask that doesn't match the assessed working-capital gap.
What turnover is needed for institutional SME funding?
Institutional appetite typically begins around ₹10 Cr of turnover with three years of audited financials, though asset-backed and structured routes can start lower.
How quickly can limits be enhanced?
With complete documentation, six to ten weeks is realistic for an enhancement or a fresh facility.
Share the requirement. We will tell you candidly whether it is fundable, and how.
Senior-led review under a mutual NCND. No retainer — engagement is success-linked. Prefer a detailed brief? Use the full funding requirement form.