Corporate Treasury & Underwriting Suite
Interactive Financial Calculators & Banking Appraisal Models
Institutional debt sizing engines, DSCR calibration simulators, drawing power calculators, and IBA-compliant CMA models engineered for promoters, CFOs, and finance directors structuring ₹10 Cr to ₹500 Cr facilities.
Financial Engineering & Underwriting Simulators
₹10 Cr – ₹500 Cr
DSCR, Moratorium & Consortium Term-Sheet Simulator →
Model debt service coverage ratios (DSCR), evaluate 12–36 month principal repayment holidays, and simulate capitalized Interest During Construction (IDC) across PSU consortium underwriting tiers.
₹15 Cr – ₹200 Cr
Lease Rental Discounting (LRD) Eligibility Calculator →
Compute maximum eligible LRD loan size from monthly rent rolls, model rental escalation impact (15% triennial), benchmark 1.15x–1.35x escrow DSCR, and size top-up liquidity extraction.
₹10 Cr – ₹100 Cr
Drawing Power (DP) & MPBF Working Capital Simulator →
Calculate usable Drawing Power from paid inventory and 90-day book debts. Deduct unpaid creditor liens, benchmark Tandon Method II MPBF limits, and eliminate bank DP deficit penalties.
Form I to Form VII
IBA CMA Data Format in Excel (Download Model) →
Download our institutional, formula-linked Excel CMA workbook. Features automated Form I to Form VII schedules, working capital gap sizing, and balance sheet reconciliation checks for bank appraisal cells.
Credit Committee Verification
2026 CMA Data IBA Bankability & Credit Audit Checklist →
Institutional 10-point audit checklist to verify CMA bankability prior to formal credit committee submission. Eliminate formula errors, audit discrepancies, and covenant breaches across PSU and private consortia.
Automated Enterprise FinTech Suite & Debt Syndication
Access our full algorithmic suite: Interactive CMA Data Synthesizer, Automated Drawing Power (DP) Portal, 80+ Bank Underwriting Match Engine, and bank-grade VAPT-certified deal rooms.
Explore Enterprise FinTech Suite →Need Custom Financial Modeling or Term Sheet Advisory?
Connect with CreditCares’ Senior Ex-Bankers and Chartered Accountants. We review CMA projections, audit drawing power models, and structure competitive consortium term-sheets across 45+ scheduled commercial banks.