Capital Stack Defense & Working Capital Repricing
Scaling Indian promoters (₹50Cr–₹500Cr turnover) routinely bleed hundreds of basis points to unannounced covenants. We audit your capital stack, expose bank margin arbitrage, and force institutional repricing.
The Structural Conflict of Interest
A Relationship Manager’s agenda changes with every morning sales huddle, quarterly cross-sell target, and internal credit policy pivot. They sell optimism over coffee, but they do not approve your debt. The Credit Committee does.
I spent 14 years sitting on credit committees and structuring high-ticket corporate debt across India’s premier Tier-1 private banks—HDFC, ICICI, and Axis Bank. I know exactly how institutional banking machinery evaluates, structures, and prices mid-market risk.
As a Certified Independent Director (IICA), I witnessed a recurring market failure: scaling Indian founders are rarely matched fairly at the negotiating table. Bank algorithms are engineered for collateral over-hedging and margin arbitrage, quietly locking up promoter equity while penalizing temporary industry headwinds.
I left the institutional credit desk to sit on your side of the table. I do not broker retail loans. I architect corporate debt. I use the bank's own credit committee stress-test models to eliminate cross-default traps, renegotiate Collateral Cover Ratios (CCR), and build syndicated capital structures that fund rapid manufacturing expansion without diluting equity.
Zero overhead tax. High-impact execution for the boardroom.
Your turnover doubled and your credit score improved, but your working capital spread remained static. Banks tax silent loyalty. We audit your EBITDA trajectory against RBI benchmarks and force an immediate repricing of your legacy risk premiums.
Banks systematically undervalue industrial land and plant assets to artificially inflate their cover ratios. We challenge conservative bank valuations, unlock trapped real estate, and restore your balance sheet leverage.
A multi-bank consortium is not a partnership; it is a bureaucracy where a minority lender with a 5% exposure can veto a ₹100Cr expansion. We restructure syndicated debt to eliminate dissenting bottlenecks and optimize for execution speed.
You do not need a ₹2Cr full-time CFO to restructure your debt. You need specialized leverage. We operate on high-impact, project-based retainers to execute specific capital raises, audit annual renewals, and defend promoter margins.
Direct Boardroom Engagement
Submit your high-level numbers for a preliminary 15-minute diagnostic. Strictly confidential. We evaluate the math before you sign.