Debt Syndication
- Home
- /
- Debt Syndication
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.
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.