We strive to completely evaluate and understand the customers’ requirement and offer suitable structured solutions to raise the following kinds of debt, in both Indian & foreign currencies -

I - Long Term

  • Long Term Loans
  • Corporate Loans
  • Lease Rental Discounting
  • Loan Against Properties
  • Loan Against Shares
  • Mezzanine Funding

II - Short Term - Working Capital related

  • Cash Credit / Secured Overdraft
  • Pre-shipment / Post shipment Credit
  • Bank Guarantee
  • Letter of Credit
  • Commercial Paper
  • Buyers Credit
  • Suppliers Credit
  • Bill Discounting – Clean and LC backed
  • Factoring

We provide comprehensive end to end solutions for raising debt from banks, financial institutions or other non-banking financial services for micro, small and medium enterprises, for mid-corporates and corporates depending on their requirement across diverse sectors like logistics, healthcare, hospitality, Pharma, NBFCs, sugar, FMCG, steel, real estate, infra & energy, food processing etc., and for various other industries in manufacturing and service segments too.

Our scope of work in the above fund-raising broadly includes:

  • Understanding the customers’ business model & revenue streams;
  • Evaluating the historical financial performance;
  • Critically understanding the nature of business, industry requirements;
  • Validating the incremental fund raising requirement;
  • Undertaking due diligence of the case;
  • Preparing a comprehensive information memorandum;
  • Building up the financial projections for the required period in the prescribed CMA format in consultation with the customer;
  • Discussing & shortlisting at least 2-3 potential banks or lenders suited to the requirement;
  • Presenting the case with the customers to the prospective lenders;
  • Co-ordination & interaction with the bankers for processing & sanction;
  • Assist in post sanction formalities including documentation, valuation, legal etc.,;
  • Completion of disbursement formalities and hand holding till final disbursement & compliance.

Project finance is the long term financing for implementation of various projects in diverse sectors ranging from power plants, chemical processing plants, mines, transportation infrastructure, etc., Project Finance transactions play an important role in financing economic development throughout the world.

Project Finance involves raising funds to finance economically viable and independent revenue generating capital investment project wherein the lenders look primarily upon the projected cash flows of the project as the source of funds to service their loans.

These debts are most commonly loans, and the financing is typically secured by all of the project assets, including the revenue-producing contracts. Project lenders are given a charge/lien on all of these assets, and are able to assume control of a project if the project company has difficulties complying with the loan terms.

We, at SAM, assist our clients in raising project finance in both Indian rupee and foreign currencies for Greenfield projects as also for expansion, diversification and modernization requirements, in the case of existing units.

Project Finance Syndication services provided by us include

  • Understanding the segment / industry in which the customer is putting up the project;
  • Compiling information on the generally accepted parameters of the project;
  • Evaluation of the industry, future outlook, future prospects & other market data;
  • Preparation of basic financial model and evaluating the financial viability & serviceability;
  • Analysing the financial indicators of the project – Internal Rate of Return, Net Present Value, Break Even Analysis, Payback Period etc.,;
  • Sensitising the projects’ financial viability to various risk factors affecting the costs, revenue and profitability aspects;
  • Presenting a detailed SWOT analysis of the project and giving the perceived risks & strategies to mitigate the same;
  • Preparation of a Detailed Project Report incorporating all the above data on viability, market statistics etc.,;
  • Discussing & shortlisting at least 2-3 potential banks / project lenders suited to the requirement;
  • Presenting the case with the customers to the prospective lenders;
  • Co-ordination & interaction with the bankers/lenders for external assessment/rating;
  • Assist in post sanction formalities including documentation, valuation, legal etc.,;

With a collective experience of bankers and industry professionals, we, at SAM, assist SMEs and growing mid-corporates in appropriate configuration of debt suited to their specific business characteristics, after keeping in view their peculiar industry norms or cycles and manage the cost also so as to ensure that their overall capital employed in the business between equity & debt is viably managed. In this process we cover the following broad aspects –

Balancing of total debt

Understanding of the customers’ business and appropriate structuring of long term & short term debts of the unit – basically between term loans & working capital requirements. For eg., if the industry is a capital intensive one, then structure more long term debt for its requirements and support the operating cycle also adequately;

Debt Cost Control/Reduction

Study existing debts and wherever there is a workable alternative, reduce the overall debt cost by either replacing the high cost debt with a low cost one (eg., from indian currency to foreign currency debt) or cancel unutilised facilities to reduce commitments, or obtain interest rate swap structures etc.,

Debt Restructuring

In case the unit is facing stress or sickness, we can offer advisory services on restructuring / reducing the overall debt by various means which include disposal of non-core assets, re-engineering the debt based on the potential viability of the unit.

Engage in financial advisory Services on corporate restructuring & re-engineering, mergers & acquisition advisory, due diligence services, & add significant valuations

 

Accounting Services

Managing audit compliance for:

  • Statutory Audit
  • Internal Audit
  • Cost Audit
  • Due Diligence

Statutory compliance relating to:

  • TDS
  • PF and ESI
  • Sales Tax and Service Tax
  • Banking compliance and Liaoning with banks

Other Services:

  • Budgeting
  • MIS (monthly, quarterly and annual)
  • Other advisory services as may be required

Secretarial Services:

  • Formation of LLP, Private and Public Limited Companies:
  • Obtaining DIN/ DPIN for Director
  • Obtaining digital signature for the directors/ partners
  • Obtaining suitable name for the Company/ LLP
  • Advising/ preparing MOA and LLP agreement
  • Preparation of forms and documents for registration of Company
  • Registration of Company/ LLP
  • Charge Management
  • Obtaining search report of Companies for bank’s requirement
  • Preparation, verification and filing of forms related to Charges
  • Arranging due diligence report for RBI’s requirement
  • Others
  • Preparation of XBRL data for filing with MCA
  • Other advisory services on Company Law matters

Management Consulting:

  • Assisting management decision making at various levels on issues related to finance
  • Devising corporate strategies coherent with the vision and mission of the company
  • Identifying and evaluating organic and inorganic expansion opportunities for the company
  • Costing and Pricing of products
  • Achieving cost control and cost reduction by analysis of fixed, semi-variable and variable costs.

Valuation Advisory:

  • Capital Structuring