Project Finance & Institutional Bank Funding Advisory in Bangalore
Capital Structuring, Credit Committee Preparation & Sanction-Term Negotiation
Senior-led advisory for ₹20Cr+ funding mandates, supporting promoters and growth-stage companies in Bangalore and across India navigating institutional credit scrutiny, lender negotiations, and complex sanction structures.
Credit approvals at institutional levels are shaped by structure — not persuasion.
Debt structuring, DSCR modelling, collateral design, covenant positioning, and promoter exposure are defined before credit committee review — not addressed after objections emerge.
WHY AARTHAVYA
- Funding structure defined before lender positioning begins
- Credit-committee ready financial models and documentation
- Collateral, guarantees, and covenant thresholds negotiated deliberately
- Sanction terms stabilised before approval-stage dilution
- Continuity through documentation and disbursement stages
Project Finance & Institutional Bank Funding — Execution Scope
Our mandates typically involve ₹20Cr+ institutional funding structures, including term loans, working capital facilities, consortium lending, and refinancing situations.
Execution focuses on sanction stability, promoter exposure control, and long-term repayment alignment under institutional credit frameworks.
Loan Structure & Capital Mix
Structuring the appropriate mix of term debt, working capital, promoter contribution, and structured facilities aligned with project cash flows and lender risk assessment.
Bank Positioning & Credit Committee Preparation
Preparing funding proposals, financial narratives, and justification notes designed to withstand credit committee scrutiny, not relationship-level discussions.
Financial Projections, DSCR & Stress Analysis
Developing projections, DSCR thresholds, repayment schedules, and downside scenarios consistent with institutional lending and appraisal standards.
Collateral, Guarantees & Covenant Negotiation
Structuring and negotiating collateral cover, promoter guarantees, cross-default clauses, and financial covenants to manage long-term exposure.
Consortium & Multi-Bank Coordination
Coordinating between lead banks and consortium lenders to ensure alignment on terms, documentation consistency, and sanction timelines.
Sanction-to-Disbursement Oversight
Oversight through sanction documentation, condition precedent fulfilment, and drawdown sequencing to prevent execution and liquidity disruption.
In institutional funding mandates, delays and adverse credit observations often emerge before formal rejection. Where proposals stall or sanction terms begin tightening, understanding the structural triggers behind institutional hesitation becomes critical. A detailed review of why bank funding gets delayed or rejected can help identify risk thresholds before re-engaging lenders.
What Promoters Commonly Hear When ₹20Cr+ Bank Funding Gets Delayed or Rejected
In large project finance and institutional bank funding mandates, proposals rarely collapse because the business is weak. They stall when banks are not fully comfortable with repayment visibility, security structure, or internal risk thresholds. These are the statements promoters often hear when funding begins to slow down or change direction.
“Your projections look optimistic.”
Banks are not rejecting growth — they are questioning whether cash flows remain stable under stress assumptions and downside scenarios.
“The DSCR is tight under our assessment.”
The repayment structure may work commercially, but not within internal risk thresholds or downside buffers required by credit committees.
“We need additional collateral or extended personal guarantees.”
Security cover is being reassessed, and risk allocation between bank and promoter is shifting.
“Other consortium banks have raised concerns.”
Alignment may exist at relationship level, but not yet at institutional approval level.
“The repayment tenure needs to be reduced.”
Cash flow confidence is insufficient for longer tenor approval under internal lending policy.
“We may need to revise sanction terms.”
Interest margin, covenants, or conditions precedent are being tightened to compensate for perceived risk.
Why Promoters Engage Aarthavya in Complex ₹20Cr+ Bank Funding Situations
When project finance mandates or large-ticket bank funding enters credit committee scrutiny, sanction revision, or collateral escalation, the margin for structural error narrows. Promoters engage Aarthavya when approval certainty, sanction terms, and promoter exposure require deliberate oversight.
Involvement at Credit Committee Level
Engagement typically occurs when funding discussions move beyond relationship banking and into formal credit committee review, where repayment logic, DSCR comfort, and downside scenarios are evaluated institutionally.
Addressing Credit Committee Queries & Sanction Terms
Repeated financial queries, covenant tightening, or pricing adjustments often signal structural misalignment. Engagement at this stage focuses on stabilising sanction terms before approval dilution occurs.
Reviewing Collateral, Guarantees & Covenant Terms
As negotiations progress, security structures, personal guarantees, and cross-default clauses may expand. Structured review helps contain unintended long-term promoter exposure.
Aligning Consortium & Multi-Bank Sanction Terms
In consortium funding structures, inconsistencies between lenders can delay approval or create structural friction. Alignment across sanction conditions reduces execution risk.
Oversight from Sanction to Disbursement
Approval alone does not secure capital. Documentation sequencing, condition precedent fulfilment, and drawdown structuring materially influence funding timelines.
Funding mandates have included real estate development, infrastructure projects, manufacturing expansion, and capital-intensive growth situations where institutional lender scrutiny extends beyond projections into structure, security, and long-term repayment alignment.
Industry-Specific ₹20Cr+ Bank Funding Situations
Bank funding risk is assessed differently across sectors. In ₹20Cr+ project finance mandates in Bangalore and across India, approval challenges often emerge not from asset weakness, but from how sector-specific risks are structured and presented before credit committees.
Real Estate & Development Projects
Pre-sales assumptions, collection timelines, escrow controls, and collateral layering often face detailed scrutiny. Promoter guarantees may expand across SPVs, while construction risk and phased disbursement sequencing influence sanction comfort.
Infrastructure & Asset-Heavy Projects
Long-tenor DSCR stress, traffic or utilisation sensitivity, EPC execution risk allocation, and consortium alignment frequently determine approval outcomes. Lenders assess resilience across the full project lifecycle.
Manufacturing & Industrial Expansion
Alignment of term loan tenor with asset productivity, integration of working capital with capex funding, order book defensibility, and collateral coverage ratios often shape sanction terms and covenant thresholds.
Capital-Intensive & Rights-Driven Businesses
Where revenue visibility is uneven or asset backing is limited, lenders examine predictability, concentration risk, DSCR stability, and covenant sensitivity more closely, requiring careful structural positioning.
What We Do — And What We Deliberately Don’t
Our role in ₹20Cr+ project finance and large-ticket bank funding is advisory and structural — not transactional. We operate where sanction terms, credit committee scrutiny, and promoter exposure materially influence long-term outcomes.
What We Do
- Structure term loans and working capital before lender engagement
- Frame projections and DSCR for credit committee evaluation
- Review collateral, guarantees, and covenant terms
- Support discussions on pricing, security, and sanction conditions
- Remain involved through sanction documentation and disbursement sequencing
- Protect promoter and board exposure through deliberate structuring
What We Deliberately Don’t Do
- Act as loan agents, intermediaries, or funding brokers
- Distribute bank products or pursue lender placements
- Secure sanctions at the cost of structural integrity
- Prioritise speed while ignoring downside risk
- Withdraw post-sanction once approval is obtained
- Operate under conflicted, commission-driven arrangements
₹20Cr+ funding decisions carry long-term implications for sanction terms, collateral structures, covenant thresholds, and promoter exposure.
Where bank approval certainty, consortium alignment, refinancing risk, or credit committee queries begin influencing outcomes, structured involvement at the right stage can materially protect balance-sheet stability and promoter control.
Senior advisory experience across multi-bank, consortium, and large-ticket institutional funding mandates.
Engagements are selective and senior-led — across project finance mandates, large-ticket bank funding situations, and ongoing Virtual CFO mandates .