Credit Syndication

Purpose of Credit Syndication

 

Credit syndication is the process of arranging debt funding from one or multiple financial institutions in a structured, bankable and time-efficient manner. For growing businesses and capital-intensive projects, securing the right quantum of debt at the right terms is critical to profitability and long-term stability.

Consiga Global Consultants provides end-to-end Credit Syndication Services to help clients:

  • Raise term loans and working capital efficiently

  • Access multiple banks and NBFCs through a single advisory window

  • Optimize interest cost, security structure and repayment profiles

  • Improve approval speed and reduce rejection risk

  • Align funding structures with cash flow realities

Our focus is not just on sanction, but on successful disbursement and sustainable servicing.

  • Boost your sales with strategically built user experience.

Types of Funding We Arrange

We support syndication for:

  • Term loans for projects and capex

  • Working capital (CC, OD, WC demand loans)

  • LAP (Loan Against Property)

  • Structured debt and mezzanine funding

  • Lease rental discounting (LRD)

  • Bill discounting and receivables financing

  • Bank guarantees (BG) and letters of credit (LC)

  • Takeover and balance transfer of existing loans

  • Consortium and multiple banking arrangements

Our Credit Syndication Approach

  1. Bankability-First Structuring
    We restructure proposals to align with lender risk frameworks before approaching banks.

  2. Multi-Lender Access
    We engage with PSU banks, private banks, NBFCs, DFIs and alternative lenders.

  3. Negotiation & Term Optimization
    We actively negotiate commercial terms, not just process applications.

  4. Disbursement-Focused Execution
    We manage post-sanction conditions to ensure timely drawdown of funds.

Our Credit Syndication Services Include

1. Funding Readiness & Diagnostic Review Before lender engagement, we assess: Business and project viability Promoter background and track record Financial health and cash flow sustainability Existing debt profile and repayment conduct Collateral and security strength Credit rating positioning (if applicable) We identify structural gaps that may trigger rejections and correct them upfront. 2. Proposal Structuring & Packaging We prepare a complete, lender-ready funding package including: Information Memorandum (IM) Bankable financial projections TEV / DPR integration (for projects) CMA data and ratios Security and collateral structuring End-use and drawdown planning This ensures that every lender receives a consistent and defensible credit narrative. 3. Lender Identification & Approach Strategy We shortlist the most appropriate lenders based on: Sector appetite Ticket size and exposure comfort Risk profile Geographic focus Collateral acceptance Past promoter relationships We determine: Lead bank Parallel lenders for rate discovery Consortium members if the deal size requires it 4. Credit Appraisal & Query Management This is the most critical execution phase. We manage: Coordination with credit, risk and legal teams Structured responses to bank queries Additional data preparation and validation Cash flow, DSCR and sensitivity clarifications Security and valuation justification Committee-level presentation support Our involvement significantly reduces approval delays and communication breakdowns.

What Makes Consiga’s Valuations Different

5. Sanction Term Negotiation & Optimization We support negotiations on: Interest rate and spread Reset and review clauses Processing and ancillary charges Margin and equity contribution Repayment tenure and moratorium Security, collateral and guarantees Financial covenants and monitoring terms Our objective is to secure commercially viable and operationally flexible terms. 6. Post-Sanction & Disbursement Coordination We ensure that sanction translates into actual funding: Compliance checklist execution Legal documentation coordination CP (Conditions Precedent) fulfillment Disbursement sequencing and milestone mapping End-use compliance support First drawdown coordination 7. Ongoing Banking Relationship Support (Optional) For growth-stage companies: Limit renewals and enhancements Consortium coordination Quarterly performance reporting to banks Covenant monitoring Additional funding support

Market Analysis

Risk Management

Technology Advising

Financial Consultation

Planning & Conductiong

Bonds & Commodities

Business Strategy

How can we help you?

Contact us at the Consulting WP office nearest to you or submit a business inquiry online.

Contact Us

Integration With Other Services

Our Credit Syndication is seamlessly integrated with:

  • Techno Economic Viability (TEV)

  • Detailed Project Reports (DPR)

  • Project Advisory

  • Credit Rating Advisory

  • Valuation & Financial Modelling

  • Bank Liaison

  • Debt Restructuring & Insolvency Support

This ensures one unified funding and credit strategy across the business lifecycle.

Who Uses Our Credit Syndication Services

  • SMEs and mid-corporates

  • Infrastructure and EPC companies

  • Manufacturing and engineering firms

  • Renewable energy and power producers

  • Real estate and warehousing developers

  • Logistics and service enterprises

  • Startup and growth-stage businesses

    What Makes Consiga’s Credit Syndication Different

    • Bank-aligned structuring mindset
      Our proposals are built the way credit committees evaluate them.

    • Multi-lender negotiation capability
      We drive rate discovery and term optimization through competitive lender engagement.

    • Execution accountability
      We stay involved until funds are actually disbursed.

    • Integrated advisory support
      From TEV to valuation to restructuring, all services work in sync.

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Engagement Workflow

  1. Initial Diagnosis & Funding Objective Mapping

  2. Proposal Structuring & Financial Alignment

  3. Lender Shortlisting & Approach Execution

  4. Credit Appraisal & Query Resolution

  5. Sanction Negotiation & Finalization

  6. Disbursement & Post-Sanction Compliance

Deliverables

  • Lender-ready Information Memorandum

  • Bankable financial models & CMA

  • Funding structure blueprint

  • Sanction term evaluation and negotiation notes

  • Disbursement execution checklist

  • Ongoing banking relationship support (optional)

Typical Timelines

  • SME working capital & LAP: 3–6 weeks

  • Project term loans: 6–10 weeks

  • Consortium funding: 8–14 weeks

  • Structured and alternative debt: Based on complexity

Getting Started

To initiate a Credit Syndication engagement, we typically request:

  • Business or project overview

  • Last 3 years audited financials

  • Existing loan details and sanction letters

  • Proposed funding requirement

  • Collateral and security details

  • Target timeline

Based on this, we issue a customized credit syndication proposal with defined scope, lender strategy and execution plan.

Contact Us for a free consultation

Book a free consultation and take the next step toward confident, well-structured financing.

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