Your business has grown, profitability improved, or the rate environment has changed — but your lender hasn't repriced.
Short-term facilities funding long-term assets. Constant renewal stress. A term loan would be more appropriate.
DSCR, leverage, or net worth covenants that constrain growth decisions or create waiver anxiety every quarter.
Multiple banks, inconsistent terms, differing documentation, and relationship overhead. Time to consolidate and simplify.
You've grown revenues, improved margins, or paid down debt. Your credit profile deserves better pricing than what you're getting.
The bank is less supportive than before. Renewals are contentious. Processing is slow. A new lender relationship may be healthier.
Review all existing facilities — rates, covenants, security, documentation, prepayment clauses.
Model the exact interest savings available at current market rates for your credit profile.
Approach best-fit lenders with your credit profile. Create competitive tension to get best pricing.
Execute refinancing with no operational disruption. Manage existing lender exit and new lender onboarding.
For companies that haven't renegotiated in 2+ years, savings of 50–150 basis points are common. On a ₹50Cr facility, 100bps is ₹50L per year in interest savings. We quantify the exact opportunity before you commit — so you know the ROI of the exercise before it starts.
Our process is completely confidential. We approach new lenders without disclosing your identity until you give us explicit permission to proceed. Your existing banking relationships are protected throughout.
Most term loans have prepayment charges of 1–2%. These need to be factored into the economics of the refinancing. In most cases where the rate saving is 50bps+, the math still works comfortably. We model this explicitly so you can make an informed decision.
No obligation. We start with a 60-minute conversation and tell you exactly what savings are available.