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Debt Syndication

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Debt Syndication - An Overview

Empowering Businesses Through Tailored Financial Solutions: Term Loans, Working Capital, Factoring, SBLC & Debt Syndication

At TRUSTRA Advisory, we specialize in providing strategic financial services that empower businesses to grow, scale, and sustain their operations. With a deep understanding of diverse funding scenarios and requirements, we deliver customized financial solutions including Term Loan Financing, Working Capital Finance, Factoring Services, SBLC Financing, and Debt Syndication.

✅ Term Loan Financing

Term loans are essential for funding long-term capital expenditures such as setting up plants, acquiring machinery, or expanding business operations. At TRUSTRA, we assist midsize private businesses—especially those going through management buyouts, rapid growth phases, or financial restructuring—in securing term loans tailored to their needs.

Our offerings include:

Long-Term Loans (maturity: ~7 years or more): For major capital investments or navigating through downturns.

Intermediate-Term Loans (1–5 years): Ideal for purchasing office equipment, furniture, and fixtures.

Short-Term Loans (up to 1 year): Includes lines of credit, receivable loans, and more—perfect for strong, established firms.

Key Considerations:

Security & Collateral: Backed by fixed assets or property (50%+ of loan value).

Interest Rates: Vary based on the prevailing market and bank regulations.

✅ Working Capital Financing

Working capital is the lifeblood of day-to-day operations. Whether it's managing cash flow, funding inventory, or sustaining production, we help organizations secure financing that ensures operational continuity and scalability.

Finance Options We Provide:

Cash Credit / Overdraft

Term Loan

Letter of Credit (LC)

Bank Guarantee (BG)

Packing Credit (PC)

Bill Discounting

Key Metrics:

Security: Collateral (excluding land), typically 50–100% depending on business nature.

Margins: Vary based on facility type—e.g., 25% for LC/BG, 10–15% for factoring.

Banking Partners: SBI, Central Bank, Bank of India, and others.

✅ Factoring Services

Factoring transforms your receivables into instant cash—critical for businesses with slow-paying customers. We offer both recourse and non-recourse factoring, alongside maturity and invoice factoring services.

Benefits of Our Factoring Services:

Off-balance-sheet financing

Reduced liabilities

Improved cash flow and working capital

Time-efficient and cost-effective

Personalized, expert advisory

✅ SBLC Financing (Standby Letter of Credit)

In international trade, SBLC offers a safety net by guaranteeing payment to the beneficiary under defined conditions. TRUSTRA ensures secure, efficient SBLC-backed financing for foreign transactions, backed by legal support, compliance, and documentation services.

Key Stakeholders:

Applicant (Client)

Issuing Bank

Beneficiary

Advising & Confirming Banks

Our Services Include:

Assistance in arranging SBLC

Risk-free advisory

Legal documentation & benchmarking

End-to-end client support

✅ Debt Syndication Services

When single-source funding isn't sufficient, debt syndication is the answer. By coordinating with multiple lenders, TRUSTRA helps you access substantial funds while diversifying lending risk.

Products We Syndicate:

Secured Business Loans

Project Finance

Builder Finance

Loan Against Property

Lease Rental Discounting

Foreign Currency Funding

Why Choose Our Debt Syndication?

Large funding with shared risk

One agreement, multiple lenders

Flexible terms (3–15 years)

Quick execution and documentation

No direct bank interaction required—TRUSTRA manages everything

Eligibility:
Businesses with a strong financial track record, operational stability, and large funding requirements.

Process & Documents Required for Financing Services

At TRUSTRA Advisory, our aim is to simplify your access to finance by offering structured processes and transparent documentation guidance.

1. Term Loan Financing

Process:

Initial Consultation to assess funding requirement

Loan structuring based on business needs

Collateral assessment and valuation

Submission to lender

Sanction, documentation, and disbursement

Documents Required:

Business PAN & GST registration

Audited financials (last 3 years)

Income Tax Returns

Bank statements (6–12 months)

Collateral documents (property, machinery, etc.)

Business plan or CAPEX report

KYC of directors/owners

2. Working Capital Finance

Process:

Review of current assets and liabilities

Selection of suitable working capital product

Financial assessment & documentation

Bank appraisal and limit setup

Facility disbursement and usage tracking

Documents Required:

Latest audited balance sheet

Stock and debtor statements

Bank account statements (6–12 months)

KYC of company and promoters

Existing sanction letters (if any)

Property documents (if collateralized)

3. Factoring Services

Process:

Assessment of receivables and debtor profile

Selection of factoring type (recourse/non-recourse)

Agreement signing with factor

Invoice submission

Funds disbursed minus factoring margin

Documents Required:

Debtor ledger and invoice copies

Copy of contracts/POs with clients

Business registration and KYC

Bank account details

Financial statements (1–2 years)

Board resolution (if applicable)

4. SBLC Financing

Process:

Client submits SBLC requirement

Structuring and issuing bank selection

Submission of collateral/security

SBLC issuance through bank

Use for trade/security as required

Documents Required:

KYC and company incorporation papers

Project or contract details

Collateral documents

Board resolution authorizing SBLC

Bank account details

Fee agreement for issuance

5. Debt Syndication

Process:

Requirement analysis and project profiling

Preparation of Information Memorandum

Syndicator approaches multiple lenders

Term sheet negotiation and soft approval

Documentation & disbursement coordination

Documents Required:

KYC of business and promoters

PAN card of company

Company registration documents

Detailed project report

Bank statements (last 12 months)

Financial statements (last 3 years)

Details of existing debts (if any)

Partnership/LLP deed or MOA/AOA

⚠️ Note:

All documentation may vary based on the nature of the transaction, client profile, and specific lender requirements. Our team provides hands-on support in collecting, organizing, and submitting all necessary paperwork.

Ready to Grow?

Whether you're scaling operations, stabilizing cash flow, or investing in infrastructure, TRUSTRA Advisory is your trusted partner. We bring financial clarity and execution efficiency to every engagement—so you can focus on growth, while we take care of the funding.

Book a consultation today and take the first step toward better financial health and expansion.

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Disclaimer: The materials provided herein are solely for information purposes. No attorney-client relationship is created when you access or use the site or the materials. The information presented on this site does not constitute legal or professional advice. It should not be relied upon for such purposes or used as a substitute for legal advice from an attorney licensed in your state.

Disclaimer

The materials provided herein are solely for information purposes. No attorney-client relationship is created when you access or use the site or the materials. The information presented on this site does not constitute legal or professional advice. It should not be relied upon for such purposes or used as a substitute for legal advice from an attorney licensed in your state.