Latest Articles
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Working Capital Assessment Methods Banks Use: MPBF, Turnover and Cash Budget
Two businesses can post the same Rs 20 crore turnover and still need completely different working capital limits. Why? Because turnover alone doesn’t determine funding need, the operating cycle does. A textile trader in Kolkata and an auto component manufacturer in Howrah make the point concrete. The trader collects cash within a month of selling.…
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The Full Loan Syndication Timeline: From Mandate to Disbursement in 12 Steps
Most promoters assume the Reserve Bank of India sets out exactly how a syndicated loan should be arranged. It does not. RBI withdrew its formal rules on consortium, multiple banking and syndicate arrangements back in 1996. What exists today is market practice, not a prescribed procedure. That is the most important thing to say before…
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What Is Debt Syndication, and When Does a Mid-Market Company Actually Need It?
What Is Debt Syndication, and When Does a Mid-Market Company Actually Need It? A business usually starts with one banking relationship. One bank, one loan, and a simple borrowing structure. As the business grows, so do its funding requirements. A new plant, a larger working capital cycle, or an acquisition often requires more capital than…
