Our Process
A Transparent, Step-by-Step Approach to Structuring and Securing Capital Solutions.
1
Deal Origination (Client Meeting)
1. Deal Origination (Client Meeting)
The process begins with an initial meeting with the client, typically a developer or corporate entity. This stage focuses on understanding the client’s business model, funding requirements, ongoing or upcoming projects and overall objectives. It establishes the foundation for a long-term and effective working relationship.
- First, we’ll meet with you to understand the business requirements, technical motivations, and financial budgets
- Our team will then perform a comprehensive Technical Audit to inventory your entire technology stack, covering all components and external systems or backing services in-scope for migration
2
Client Requirement Mapping
At this stage, the client’s funding requirements are mapped in detail. This includes assessing the quantum and type of funding required, understanding project timelines, cash flow needs, and identifying any regulatory, legal or structural constraints that may impact the transaction.
- One of our project managers will create a plan that’s broken up into 2-week sprints to carry out the SoW
- Clients are added to Slack for real-time collaboration with the Consulting team
3
Lender(s) Identification
Based on the client profile and funding structure, suitable lenders—such as banks, NBFCs or alternative investment funds—are identified. The objective is to shortlist financial institutions aligned with the client’s requirements and market appetite for the transaction.
- If any unforeseen circumstances occur, the team will re-evaluate, adjust, and pivot as needed
- In the spirit of transparency, time is tracked in Toggl so you’ll see exactly what’s being worked on and how much time it takes to complete tasks. You’ll also receive daily emails outlining all the hours worked
4
Preparation & Sharing of Information Memorandum (IM)
A comprehensive Information Memorandum is prepared, capturing key details related to the client, project, financials and proposed deal structure. The IM is shared with shortlisted lenders to provide a clear overview and invite formal interest.
5
Client & Lender Meeting
Structured meetings are arranged between the client and interested lenders. These interactions allow lenders to evaluate the promoter’s vision, execution capability and overall project credibility, while clarifying commercial and structural aspects of the transaction.
6
Cash Flow Preparation
A detailed cash flow model is developed to assess the project’s financial viability and the client’s ability to service the proposed facility. This model incorporates construction timelines, revenue assumptions and repayment structures to support structuring and lender evaluation.
7
Term Sheet Closure
Upon lender comfort, key commercial terms are negotiated and documented in a term sheet. This outlines the facility amount, tenure, pricing, security package, covenants and repayment terms, subject to completion of due diligence.
8
Due Diligence (Legal, Technical, Financial & Valuation)
Formal due diligence is conducted through independent third-party agencies appointed by the lender.
Legal due diligence reviews title, approvals and litigation
Technical due diligence validates project status and execution feasibility
Financial due diligence examines historical performance and projections
Valuation assesses the underlying asset value.
9
Sanction of the Facility
Post-sanction, security documents are executed and charges are created as per agreed terms. Upon fulfillment of conditions precedent, the facility is disbursed in line with the approved structure.
10
Charge Creation & Disbursement
Based on the outcomes of due diligence, the lender’s credit committee processes the proposal for sanction. A formal sanction letter is issued, detailing the final terms, conditions precedent, and compliance requirements.
11
Post-disbursement Compliance
Following disbursement, ongoing compliance is monitored, including submission of progress reports, financial statements, escrow monitoring and adherence to covenants. This ensures transparency and smooth servicing of the facility.