Credit Rating Advisory

Purpose of Credit Rating Advisory

 

A credit rating is a critical determinant of how lenders, investors and counterparties perceive your business. It directly impacts your ability to raise funds, the cost of borrowing, collateral requirements and overall financial credibility.

Consiga Global Consultants provides structured Credit Rating Advisory services to help businesses:

  • Improve their credit profile in a measurable manner

  • Prepare for rating exercises with recognized credit rating agencies

  • Strengthen internal financial and governance frameworks

  • Secure funding at more competitive interest rates and terms

Our role is to ensure that your business presents its true financial strength in a manner that aligns with the evaluation frameworks used by rating agencies.

  • Boost your sales with strategically built user experience.

Our Advisory Approach

 

We follow a structured, diagnostic-led and implementation-oriented approach:

  1. Credit Health Diagnosis
    We evaluate your existing financial, operational and governance framework exactly as a rating agency would.

  2. Rating Sensitivity Mapping
    We identify the specific parameters that are helping or weakening your expected rating outcome.

  3. Strategic Improvement Blueprint
    We define a clear roadmap to enhance the rating outlook through financial restructuring, governance strengthening and operational discipline.

  4. Rating Agency Readiness & Representation
    We prepare your team for interactions with rating analysts and support you during the entire assessment cycle.

  1. Market anchored
    Project cash flows are grounded in real market variables, not wishful assumptions.

  2. Technical-validated
    The design, capacity, technology and O&M parameters are assessed to ensure that projected outputs are achievable.

  3. Risk-adjusted
    Instead of a single “forecast,” we produce multiple sensitivity views capturing volatility, execution risk and cyclical trends.

  4. Completely transparent
    Every assumption is documented. Every formula is traceable. Every conclusion is backed by logic.

Featured Thinking

Key Areas We Evaluate

Our credit advisory review typically covers: 1. Financial Strength Revenue stability and diversification EBITDA margins and operating leverage Net worth strength and capital structure Cash flow adequacy Debt servicing ability and DSCR Working capital discipline 2. Business Risk Profile Industry risk and cyclicality Market positioning and competitive strength Customer concentration Supplier dependency Contractual visibility of revenue 3. Management & Governance Promoter credibility and track record Accounting transparency Internal controls Statutory compliance Long-term strategic clarity 4. Liquidity & Banking Conduct Fund flow management Banking discipline Utilization of limits Overdraft and devolvement history Timeliness of servicing obligations Our Credit Rating Advisory Services Include Credit Diagnostic Assessment Pre-rating simulation based on current financials Identification of negative rating triggers Gap analysis versus desired rating category Rating Improvement Strategy Debt restructuring and optimization Working capital cycle correction Cost rationalization plans Capital infusion planning Governance and compliance strengthening Rating Exercise Management Selection of appropriate rating agency Preparation of rating information packs Analyst presentation structuring Management representation support Clarification management and follow-ups Ongoing Credit Profile Monitoring Periodic review of financial and liquidity health Covenant tracking Early-warning signal identification Annual surveillance support

Who Should Use Credit Rating Advisory

Our services are ideal for: SMEs seeking formal credit ratings for the first time Mid-corporates planning large debt raises Infrastructure and EPC companies Manufacturing and engineering firms Renewable energy and power producers Real estate and warehousing developers Companies undergoing restructuring or turnaround Benefits of Working With Consiga Lender-aligned advisory approach We understand precisely how banks and rating agencies evaluate credit risk. Actionable improvement plans We go beyond diagnosis and help implement real rating-strengthening measures. Integrated with funding advisory Our credit advisory seamlessly connects with debt syndication and restructuring engagements. Transparent and audit-friendly methodology Our processes and recommendations stand up to scrutiny by lenders and auditors.

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

Contact Us for a free consultation

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

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