MSME Udyam Registered Advisory | Corporate Debt & Balance Sheet Structuring
stratixfinancialsolutions@gmail.com Confidential Assessment →
Specialized Corporate Debt & MSME Working Capital Syndication

Precision in Credit.
Velocity in Capital.

We bridge commercial balance sheets with institutional banking credit criteria. Delivering bank-compliant CMA financial modeling, working capital optimization, and syndicated debt placement from ₹50 Lakhs to ₹25 Crores.

Evaluate Credit Feasibility Instant Capital Calculator

₹50L–25Cr

Ticket Syndication

100%

RBI Norms Aligned

40+ Lenders

PSU, Private & NBFC

48 Hours

Pre-Screen Turnaround

Corporate Banking & Financial Center
Pre-Underwriting Review
Live Syndication Status

Underwriting Forensics Before Submission

WC
Nayak Committee Turnover Method 20% Bank Limit / 5% Promoter Margin
Verified
CMA
Forensic Ratio Justification DSCR, Current Ratio & TOL/ATNW Analysis
100% Audit
Try the 30-Second Facility Finder
Institutional Channels & Empanelments:
Public Sector Banks (PSUs) Private Commercial Banks CGTMSE Guarantee Trust SIDBI Institutional MSME Specialized NBFCs
Smart Assessment

30-Second Credit Facility Finder

Select your enterprise parameters to find the most suitable borrowing structure.

Recommended Structuring Pathway

Working Capital (Cash Credit) via Nayak Committee Norms

Eligible for 20% of projected annual turnover as funded bank credit limit with minimal 5% promoter margin and standard security charge.

Fast-Track Pre-Screening →
Our Core Capabilities

Specialized Debt & Advisory Solutions

Eliminating rejection risks by pre-aligning business balance sheets with RBI guidelines and banking credit matrices.

Industrial Manufacturing & Operations
Working Capital

Cash Credit & Overdraft (CC / OD)

Structuring CC/OD facilities, inventory finance, and debtor funding evaluated via Nayak & Tandon Committee turnover norms to fuel daily operating cycles.

Nayak Norms • DP Optimization Inquire →
Government MSME Financial Schemes
Collateral-Free

CGTMSE Collateral-Free Loans

Government credit guarantee coverage up to ₹5 Crore for qualifying manufacturing and service MSMEs without mandatory third-party collateral security.

Up to ₹5 Cr • Jan Samarth Inquire →
Capex Machinery and Project Engineering
Capex Financing

Machinery Term Loans & Capex

Long-term capital funding for commercial equipment acquisition, factory expansion, and greenfield installations with amortized DSCR payback models.

Moratorium • DSCR Structuring Inquire →
CMA Financial Analytics and Forecasting
CMA Modeling

CMA Data & Project Reports (DPR)

Detailed Project Reports (DPR) and Credit Monitoring Arrangement (CMA) models with ratio justifications that withstand credit committee appraisal.

TOL/ATNW • Current Ratio Audit Inquire →
Commercial Real Estate and Collateral Assets
Secured Debt

Loan Against Property (LAP)

Monetizing residential, commercial, or industrial land parcels with competitive interest spreads, higher loan-to-value (LTV) ratios, and balance transfers.

High LTV • Balance Transfer Inquire →
International and Domestic Trade Finance
Trade Limits

Non-Fund Limits (LC / BG)

Performance and Financial Bank Guarantees (BG), along with domestic and foreign Letters of Credit (LC) structured with optimized cash margin requirements.

Tender Bidding • Low Margin Inquire →
The Credit Advantage

The Difference Between a Loan Broker and an Institutional Credit Strategist

Generic intermediaries circulate balance sheets across various bank branches, triggering credit bureau score drops and multiple rejections. At Stratix, we employ a forensic pre-underwriting methodology before any file reaches a sanctioning cell.

01

Forensic Pre-Underwriting Stress Test

We audit commercial bureau records, evaluate TOL/ATNW and Current Ratios, and reconcile GST with banking turnover to eliminate red flags beforehand.

02

Credit Committee Dialect

Our CMA and Information Memorandums directly address Central Processing Center (CPC) norms, Chief Risk Officers, and bank credit committees without informational gaps.

03

CA & Finance Team Collaboration

We act as dedicated debt execution partners for Chartered Accountants and internal corporate finance teams, fully preserving client-auditor relationships.

Underwriting Methodology

Direct Comparison
Traditional Broker Stratix Advisory
Multiple blind branch submissions triggering CIBIL score drops. Targeted lender matching based on sectoral bank risk appetite.
Generic CMA templates prone to DSCR & turnover rejections. Forensically reconciled CMA models aligned with RBI norms.
No support in sanction negotiation or covenant vetting. Full representation during query resolution & disbursal.
Unpredictable timelines and circular query delays. Structured 4-stage execution with clear milestones.
Start Structured Assessment
Live Financial Tools

Institutional Credit Calculators

Real-time indicative calculations based on standard RBI turnover norms and amortized debt servicing models.

₹ 500 Lakhs
₹50 Lakhs ₹25 Crores ₹50 Crores
5%
Standard minimum promoter contribution under Nayak Committee norms is 5% of turnover.
Total Working Capital Requirement (25%)
₹ 125.0 Lakhs
Estimated Bank Limit Feasibility (20%)
₹ 100.0 Lakhs

Indicative Cash Credit / Overdraft facility under turnover norms

Borrower Contribution (Margin)
₹ 25.0 Lakhs
Validate Feasibility with Full CMA
Execution Methodology

Our 4-Stage Advisory Workflow

From preliminary balance sheet forensics to final documentation and limit activation.

01

Diagnostic & CIBIL Audit

Comprehensive forensic review of 3 years audited financials, GST data, 12 months bank records, and commercial bureau scores.

02

CMA & DPR Structuring

Translating business operations into bank-compliant Credit Monitoring Arrangement (CMA) models, DSCR justifications, and Project Reports.

03

Lender Placement & Queries

Submitting proposal files directly to the appropriate PSU, private bank, or NBFC processing cell and defending risk underwriting queries.

04

Sanction & Disbursal

Scrutinizing sanction terms, charge creation (RoC / CERSAI), legal search, title deeds, and documentation compliance for seamless limit activation.

Governance & Leadership

Professional Leadership & Advisory Panel

Combining operational discipline, regulatory governance, and senior institutional credit advisory.

N

Nisha

Proprietor & Head of Operations (B.Com)

Leads executive operations, client engagement, institutional documentation compliance, and lender empanelment. Ensures all business proposals strictly comply with statutory MSME norms and banking guidelines.

Operational Management • Regulatory Governance • Documentation

Institutional Advisory Panel

Senior Credit Analysts & Empaneled CA Specialists

Supported by an independent panel of seasoned credit analysts, retired banking executives, and chartered accountants offering specialized macro credit risk evaluation and CMA data modeling.

Credit Assessment • Forensic Ratio Analysis • Risk Advisory
Knowledge Base

Frequently Asked Questions

Essential facts regarding MSME debt syndication and credit structuring.

Confidential Assessment

Request a Pre-Underwriting Diagnostic

Share your indicative credit requirements. All balance sheets, banking records, and commercial details submitted to Stratix are handled under strict non-disclosure protocols.

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Direct Advisory Email stratixfinancialsolutions@gmail.com
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Official Portal www.stratixfinance.in
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Regional Operations Lucknow, Uttar Pradesh | Bengaluru, Karnataka

Zero Spam Policy

Your details will strictly be used to coordinate your pre-underwriting credit assessment. No unsolicited marketing.

Direct Delivery to stratixfinancialsolutions@gmail.com