1.DOCUMENTATION

Business Plan Preparation Services

A business plan is a vital document for any business that contains information about the pertaining to its promoters, business model, operations, past, competitor analysis, market analysis and project financial performance. Business plan is very essential as it serves as a roadmap for the business and provides information in an understandable format to investors wanting to know more about the business. A key use of a business plan or investor pitch is for raising private equity capital or angel investment in a startup. Business plans are used by private equity investors and angel investors to gain an insight into the business for making a investment decision.

A well drafted business plan will contain details about the promoters, infrastructure information, human capital requirement, business model, industry outlook, competitor analysis, SWOT analysis, past financial performance, projected financial performance, key financial indicators and any other relevant information. AtoZ Inform has a team of professional with extensive experience in preparing business plans. Contact us today and we can help you prepare a well structured business plan for your startup.

CMA Report Preparation

CMA stands for Credit Monitoring Arrangement report wherein the past and projected financial performance of a business is compiled in a certain format with all the required financial metrics and ratios to help Bankers and Financial Analysts ascertain the financial health of a business. Most Bankers request a business loan applicant to prepare CMA report to understand the flow and application of funds in a business. A professionally prepared CMA report can improve the chances of obtaining bank loan.

AtoZ Inform is the largest business services platform in India, offering a variety of services like CMA report preparation, company incorporation, trademark registration, GST registration, income tax filing and more. AtoZ Inform can help you prepare a CMA report for your business. Get a free consultation for CMA report preparation and bank loan syndication through AtoZ Inform by scheduling an appointment with an AtoZ Inform Advisor.

Bank Loan Rating

Bank loan rating from external agencies are used by Banks, Vendors, Financial Institutions, Investors and others to gauge the financial health of an Enterprise and its ability to make timely payment of its bank loan, including principal and interest payment. Various external credit rating agencies like CRISIL, ICRA, CARE, Brickworks and others have been authorised by the Government to rate the bank loan facilities enjoyed by businesses in India. Further, to improve awareness about credit rating and its benefit, the Government of India also provides a subsidy for MSME businesses to obtain SME credit rating.

AtoZ Inform is the largest business services platform in India, offering a variety of services like collateral free loan syndication, CMA report preparation, bank loan rating advisory, company incorporation, trademark registration, GST registration, income tax filing and more. AtoZ Inform can help you obtain bank loan rating for your business. Get a free consultation for obtaining bank loan rating through AtoZ Inform by scheduling an appointment with an AtoZ Inform Advisor.

Credit Score Check [CIBIL]

India has three credit rating agencies namely CIBIL (Credit Information Bureau (India) Ltd), Equifax India and Experian India. These rating agencies regularly collect information from creditors, lenders, utilities and other debt collectors to process the data into a readable and usable form and provide credit information reports on individual consumers for lenders. These credit reports plays a critical role in the loan application process. Therefore it’s important to know and monitor your credit score on a regular basis to check for any inaccuracies.

Credit reports contain information like name, age, address, list of credit facilities, repayment track record and a credit score. This information helps lenders assess credit worthiness of their borrowers and their ability to pay back a loan if granted. If the credit score is low, the lender may not even consider the application further. If the credit score is high, the lender will consider other details to determine if the applicant is credit-worthy. AtoZ Inform can help you obtain your credit information report from all three credit rating agencies in India and provide advisory services for improving your credit score.

2.SYNDICATION

Term Loan Syndication

Term loan are provided for acquiring or constructing or installing or establishing capital assets, which will provide returns over a period of time. Term loans will also be repaid in regular payments over a period of time, as the asset generates returns. Term loans are usually provided for acquiring or constructing building and acquiring or installing plant and machinery. Term loans in India are provided for a tenure of anywhere between 3 to 10 years based on the project, projected financials and other factors. The interest rate for the term loan will be based on the credit worthiness of the borrower and is usually a fixed spread over the banks base lending rate.

AtoZ Inform can help your business apply and obtain sanction of term loans from banks. Term loans can be availed for both green-field as well as brown-filed projects. Once we obtain an understanding or your business or proposed business, our Financial Experts will then advice you suitably on the proposed quantum of loan, repayment type, repayment tenure and schemes available. AtoZ Inform can also help you prepare a project report, apply to banks and obtain sanction of term loans for your business.

Working Capital Loan

Working capital loans are provided for financing everyday operations of a company and used to cover or build-up current assets like inventory, stock-in-trade, accounts receivables, etc., Companies that have high seasonality or cyclical sales cycles usually rely on working capital loans to help with periods of reduced business activity. Various types of bank facilities fall under working capital facility. Some of the types of working capital facilities are cash credit, overdraft, letter of credit, bank guarantee, packing credit, post shipment finance and bill discounting.

AtoZ Inform is the largest business services platform in India, offering a variety of services like working capital syndication, CMA report preparation, company incorporation, trademark registration, GST registration, income tax filing and more. AtoZ Inform can help you syndicate working capital loan for your business. Get a free consultation for working capital loan syndication through AtoZ Inform by scheduling an appointment with an AtoZ Inform Advisor.

Collateral Free Loan

Small business and MSME enterprises can obtain collateral free loan from banks under various schemes promoted by the Government to boost Entrepreneurship and small businesses in India. Some the popular collateral free loan schemes offered by the Government are the Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE Scheme) and MUDRA loan scheme. Under the CGTMSE scheme, loan of upto Rs.1 crore is provided for Enterpreneurs without any collateral security. Under the MUDRA loan scheme loan of upto Rs.10 lakhs is provided for setting up and operating of micro and small enterprises in the manufacturing, processing, trading and service sector.

AtoZ Inform is the largest business services platform in India, offering a variety of services like collateral free loan syndication, CMA report preparation, company incorporation, trademark registration, GST registration, income tax filing and more. AtoZ Inform can help you obtain collateral free loan for your business. Get a free consultation for obtaining collateral free loan through AtoZ Inform by scheduling an appointment with an AtoZ Inform Advisor.