Institutional Debt Advisory Desk (₹10 Cr to ₹500 Cr)
Corporate Debt Solutions & Structured Syndication
End-to-end debt structuring for Indian enterprises. From consortium working capital (ICA) and greenfield project finance to lease rental discounting (LRD) and techno-economic viability (TEV) appraisal across 45+ institutional lenders we have worked with.
What corporate debt syndication solutions does CreditCares structure?
CreditCares structures institutional debt across six primary categories for mandates between ₹10 Crore and ₹500 Crore: (1) Greenfield & Brownfield Project Finance with 10-15 year tenures and 24-36 month construction moratoriums; (2) Consortium Working Capital enhancements under formal Inter-Creditor Agreements (ICA); (3) Lease Rental Discounting (LRD) against commercial leases up to 75% LTV; (4) High-Cost Debt Takeout Refinancing saving 150-300 bps; (5) MoFPI / PLI Government Subsidy Integration; and (6) Bank-compliant DPR & TEV Feasibility Studies.
Enterprise FinTech Suite & Real-Time Underwriting
Leverage our automated CMA Data Synthesizer, Drawing Power (DP) compliance portal, and 80+ bank matching engine to fast-track your syndication mandate.
View FinTech & Automation Suite →Core Financing Practices
Select a specialized debt facility to explore underwriting benchmarks, eligibility criteria, and structuring roadmaps:
Consortium Debt Syndication (ICA)
Multi-bank consortium structuring (₹25 Cr to ₹500 Cr), lead bank mandate execution, and inter-creditor alignment for working capital & term limits.
Greenfield & Brownfield Capex
Long-term industrial project loans with 24-36 month construction moratoriums and 10-15 year debt amortization tailored to project COD cash flows.
DPR & TEV Feasibility Studies
IBA-compliant Detailed Project Reports, financial modeling, and Techno-Economic Viability studies accepted across Indian commercial banks.
Lease Rental Discounting (LRD)
Monetize future lease receivables from Grade-A office towers, retail malls, and IT parks with up to 75% LTV and competitive PSU bank spreads.
MoFPI & Central PLI Grants
Integrate non-refundable capital grants (up to 35%-50%) and Central PLI production incentives directly into term loan repayment waterfalls.
High-Cost Debt Refinancing
Migrate expensive NBFC / private credit lines into Tier-1 PSU bank consortia to reduce interest spreads by 150 to 300 basis points annually.
Underwriting Benchmarks Across Debt Facilities
Standard institutional structuring terms across Scheduled Commercial Banks in India:
| Debt Facility | Ticket Range | Typical Tenure | Moratorium | Min. DSCR | Target Spread |
|---|---|---|---|---|---|
| Project Finance (Greenfield) | ₹15 Cr to ₹500 Cr | 10 to 15 Years | 24 to 36 Months | 1.25x - 1.35x | MCLR + 150-275 bps |
| Consortium Working Capital | ₹25 Cr to ₹500 Cr | 12 Months (Renewable) | N/A (Revolving) | Current Ratio > 1.33x | MCLR + 100-225 bps |
| Lease Rental Discounting (LRD) | ₹15 Cr to ₹250 Cr | 10 to 15 Years | Nil / 3 Months | 1.15x - 1.25x | MCLR + 100-180 bps |
| Corporate Takeout Refinancing | ₹20 Cr to ₹300 Cr | Residual Life (7-12 Yrs) | Nil / 6 Months | 1.20x - 1.30x | MCLR + 125-200 bps |
Fast-track routing for <₹50L to ₹500 Cr+ facilities. 3 quick inputs connect you directly to the appropriate regional credit desk (Mumbai / Kolkata / Pan-India).
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