What is the minimum mandate size for Corporate Debt Syndication at CreditCares?

CreditCares structures corporate debt syndication mandates starting strictly from ₹10 Crore up to ₹500 Crore+ across multi-bank consortiums, lead bank appraisals, and institutional NBFC lines.

How does CreditCares assist in Consortium Working Capital & Inter-Creditor Agreements (ICA)?

We draft bank-ready CMA data, negotiate pari-passu security charge sharing, resolve lead-bank covenants, align multiple banking arrangements into formalized consortiums under RBI guidelines, and reduce non-fund-based (LC/BG) cash margins.

What are the indicative interest rates and debt takeover terms?

Indicative consortium term loan and working capital rates range between 8.25% and 8.80% p.a. linked to EBLR/MCLR. For existing high-cost NBFC debt takeovers, we achieve 100 to 175 bps spread compression with enhanced door-to-door tenures.

EX-BANKER SYNDICATION DESK • INSTITUTIONAL ADVISORY

Institutional Corporate Debt Syndication (₹10 Cr – ₹500 Cr)

Direct institutional debt syndication and consortium structuring across 80+ Public Sector Banks, Private Banks, and DFIs. Led by Senior Ex-Bankers and Chartered Accountants structuring working capital consortiums, term project debt, and high-cost loan takeovers at lowest EBLR/MCLR spreads.

8.25% p.a.*Indicative Consortium Rate

80+ BanksConsortium Lender Network

₹3,500+ CrCorporate Debt Syndicated

Instant Mandate Term-Sheet Estimator

Evaluate borrowing capacity & indicative consortium pricing

Mandate Structure *

Required Debt Quantum (₹ Crore) *

Promoter / Corporate Entity Name & City *

Indicative ROI Band 8.25% – 8.75%

Moratorium / Terms Revolving

Max Door-to-Door Annual

Institutional Debt Advisory Engineered for Corporate Borrowers

Retail brokers lack the credit underwriting depth required for ₹25Cr+ multi-bank consortiums. Our senior credit desk prepares comprehensive Information Memorandums (IM), CMA data models, TEV reports, and executes Inter-Creditor Agreements (ICA) across PSU and Private banking consortia.

1. Working Capital Consortiums (CC / OD / LC / BG)

Consortium Migration: Transitioning standalone multiple banking arrangements into formalized consortiums with harmonious pari-passu charge sharing.
Drawing Power Optimization: Enhancing DP by negotiating debtor holding periods from 90 to 180 days and inventory norms aligned with actual operational cycles.
Non-Fund-Based Limits: Expanding Letter of Credit (LC) and Bank Guarantee (BG) limits with reduced cash margin requirements (down to 10%–15%).
Export Credit Syndication: Pre- and Post-Shipment Credit in Foreign Currency (PCFC) at benchmark SOFR margins for manufacturing exporters.

2. Project Debt, Capex & High-Cost Refinancing

Greenfield & Brownfield Capex: Term debt structuring for heavy manufacturing, cold chain, pharmaceutical plants, hospitals, and Grade-A warehouses.
High-Cost Loan Takeover: Refinancing expensive NBFC/unorganized debt into PSU/Private Bank term loans, reducing interest costs by 100 to 175 bps.
Custom Moratorium Design: Structuring 12 to 36 months principal repayment holidays post-Commercial Operations Date (CoD) matching revenue ramp-up.
Lease Rental Discounting (LRD): Monetizing stable long-term corporate leases in commercial office buildings and IT parks up to 15 years tenure.

Mandate Parameter	Consortium Working Capital	Project Debt & Capex Loans	Debt Takeover / Refinancing
Mandate Ticket Size	₹10 Crore – ₹300 Crore	₹15 Crore – ₹500 Crore	₹10 Crore – ₹250 Crore
Indicative Rate Band	8.25% – 8.75% p.a. (EBLR/MCLR)	8.35% – 8.85% p.a.	8.30% – 8.80% p.a. (100–175 bps spread drop)
Benchmark Ratios	Current Ratio ≥ 1.33x \| MPBF II	Min. Avg DSCR 1.25x – 1.40x	FACR ≥ 1.25x \| Debt-to-Equity ≤ 2.5:1
Sanction Timeline	14 – 21 Working Days	21 – 30 Working Days	14 – 20 Working Days