How We Work & Our Advisory Fees
CreditCares is an Indian debt advisory and syndication firm structuring ₹10 Crore to ₹500 Crore corporate facilities, alongside supporting MSME loans from ₹50 Lakh. We operate under absolute fee transparency, ethical disclosures, and institutional confidentiality.
Our Role: Advisory Firm & Direct Selling Agent (DSA)
CreditCares is an advisory firm, not a lender. All credit sanctions, loan amounts, interest rates, tenors, moratorium periods, and legal covenants are decided solely by the appraisal committees of empanelled commercial banks, non-banking financial companies (NBFCs), and development financial institutions.
Bridge Path Operating Model: For large-ticket corporate transactions (₹10 Cr to ₹500 Cr), CreditCares acts as an independent financial advisor and syndicator structuring Detailed Project Reports (DPR), CMA models, consortium alignment, and Inter-Creditor Agreements (ICA). For certain specific loans, CreditCares also acts as a Direct Selling Agent (DSA) and may receive an origination commission directly from the lender. In every case, this commission is fully and transparently disclosed to the client before any mandate or loan sanction is executed.
Transparent Fee Architecture
Initial Consultation
100% Free & Confidential
Preliminary credit check, balance sheet review, project viability assessment, and syndication roadmap discussion under mutual Non-Disclosure Agreement (NDA).
Syndication Success Fee
Payable on Disbursement
Our primary advisory mandate fee is aligned with your success. The agreed percentage fee is payable only when the bank or consortium sanctions and disburses the credit facility.
DPR & CMA Studies
Agreed Upfront Scope
Where comprehensive Detailed Project Reports (DPR), Techno-Economic Viability (TEV) vetting, or complex multi-year CMA projections are commissioned, fees are agreed upfront based on engineering and modeling scope.
Our 5-Stage Syndication Roadmap
Confidential File Intake & Ratio Appraisal
We examine your audited financial statements, existing debt profile, DSCR, Fixed Asset Coverage Ratio (FACR), and working capital cycles to determine institutional bankability.
CMA Modeling & Information Memorandum Preparation
Preparation of an institutional-grade Credit Monitoring Arrangement (CMA) report, project cash flow forecasts, and debt sizing waterfalls aligned with RBI June 7, 2019 prudential norms.
Lender Matching & Consortium Structuring
Engaging relevant Public Sector Undertaking (PSU) banks, private sector banks, or specialized credit institutions whose risk appetites and sector benchmarks match your requirement.
In-Principle Term Sheet & Due Diligence Coordination
Reviewing terms, pricing spreads, collateral covenants, and coordinating independent TEV studies, title searches, and property valuations with empanelled bank professionals.
Sanction, Documentation & First Disbursement
Assisting with documentation execution, charge filing on MCA (Form CHG-1), CERSAI registration, escrow agreement execution, and seamless disbursement drawdown.
Speak With a Senior Syndication Specialist
Connect with our Mumbai Corporate Deal Desk or Kolkata Regional Desk to discuss your financing requirement with absolute confidentiality.