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Finance and Loan Advisory & Documentation Services

Our Firm, G S M K & Associates, Chartered Accountants, play a critical role in enabling businesses to raise funds through appropriate channels, ensuring documentation integrity, regulatory compliance, and financial viability for lending institutions, investors, and funding agencies.

1. Preparation of Project Reports and Financial Projections

Comprehensive project reports for term loans, working capital loans, or new business proposals
Preparation of detailed Projected Financial Statements (Balance Sheet, Profit & Loss, Cash Flow)
CMA Data preparation as per RBI/Banks’ format
Industry analysis, market potential, SWOT analysis, and project feasibility

2. Preparation of Provisional and Estimated Financials

Preparation of Provisional Financial Statements for interim periods for various purposes such as loan sanction, tender submissions, and statutory filings
Estimated profitability and net worth certification for banks or statutory bodies

3. Loan Documentation Support

Compilation of documents required for submission to banks and financial institutions
Vetting of sanction letters, loan agreements, and covenants
Support in responding to queries from lending institutions
Preparation of Net Worth Certificates, CA Certificates, Turnover Certificates, etc.

4. Working Capital Management Advisory

Working capital assessment and gap analysis
Inventory and receivables control strategy
Bank financing under Cash Credit, Overdraft, and Packing Credit schemes
Letter of Credit (LC) and Bank Guarantee (BG) advisory

5. Term Loan and Fund Raising Advisory

Structuring of long-term funding requirements
Preparation of Debt-Equity ratio analysis and repayment plans
Assistance in obtaining funds from banks, NBFCs, or other financial institutions

6. Venture Capital and Angel Investment Advisory

Preparation of investor decks, business pitch materials, and executive summaries
Business valuation for equity funding rounds
Financial modelling and return analysis
Due diligence support and preparation of information memoranda (IMs)

7. Start-up Funding Support

Advising on funding schemes like SIDBI, CGTMSE, Startup India, and state-level subsidies
Handholding for onboarding on startup incubators and accelerators
Registration assistance with DPIIT as a recognised startup
Preparation of Business Plans aligned to startup investment metrics

8. Equity and Debt Syndication

Coordination with banks, financial institutions, NBFCs, and private investors for fund arrangement
Preparation of lender/investor data packs and representation support
Drafting of term sheets and assistance in negotiation

9. External Commercial Borrowings (ECB) & Foreign Funding

Advisory on ECB regulations under FEMA
Compliance with RBI reporting norms (Form ECB, Form FC-GPR, etc.)
Structuring of equity/quasi-equity foreign inflows for Indian entities

10. Credit Rating Support

Advisory on obtaining credit ratings from recognised agencies (CRISIL, ICRA, CARE, etc.)
Preparation of documentation and information compilation
Analysis of rating methodology and improvement strategies

11. Government Schemes and Subsidy Assistance

Advisory on sector-specific schemes such as MSME schemes, TUFS, SEIS/MEIS under Foreign Trade Policy, etc.
Assistance in subsidy applications and fund utilisation certification

12. Cash Flow and Fund Flow Analysis

Preparation and monitoring of cash flow statements
Monthly cash budgets and fund tracking systems
Identification of shortfalls and liquidity planning

13. FEMA and FDI Documentation Support

FDI compliance documentation (inflow reporting, FC-GPR, FC-TRS)
RBI liaison for approvals and post-facto compliance
Certification for outward/inward remittance under FEMA

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