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CAPITAL RAISING • CONSORTIUM & STRUCTURED DEBT

Structured Debt Syndication & Consortium Financing

Arranging multi-bank consortium term loans, structured credit, and working capital lines for expanding Indian corporations.

Book Mandate Consultation Check Diagnostic & Tools

₹25 Cr – ₹1,000 Cr+

Syndication Scale

50+ PSU, Private & Foreign Banks

Lender Network

50 - 150 bps Spread Reduction

Pricing Advantage

Term Loans / Working Capital / ECBs

Structures

STRATEGIC OVERVIEW

Promoter-First Advocacy in Debt Syndication Advisory

As mid-market and large enterprises scale, relying on a single banking partner creates severe operational bottlenecks and credit ceiling constraints. Debt Syndication enables companies to raise substantial debt packages through a consortium of lenders under a unified loan agreement, managed by a Lead Arranger. Glocal Consultants acts as the borrower's independent financial advisor. We engineer the financing structure, prepare bank-grade credit information memorandums, evaluate collateral allocations, and run competitive negotiations across public sector banks, private banks, foreign financial institutions, and credit funds to secure optimal borrowing rates and covenant flexibility.

DELIVERABLES & SCOPE

What Glocal Delivers on Your Mandate

Credit Requirement Diagnostics & Sizing

Assessing working capital cycles, capex gestation periods, and balance sheet leverage capacity.

Bank-Grade Credit Information Memorandum (CIM)

Drafting comprehensive credit proposals detailing financial health, repayment capacity, and security coverage.

Consortium vs. Multiple Banking Structuring

Advising whether a Consortium Banking arrangement or Multiple Banking Facility provides superior flexibility.

Interest Spread & Fee Negotiation

Leveraging inter-bank competition to reduce borrowing spreads, processing fees, and prepayment charges.

Collateral & Pari-Passu Security Engineering

Drafting inter-creditor agreements (ICA), charge sharing documents, and ROC filing mandates.

External Commercial Borrowings (ECB)

Arranging foreign currency borrowings under RBI's automatic route from international financial institutions.

REGULATORY BENCHMARKS

Statutory Eligibility & Criteria

Governed under RBI Prudential Framework for Resolution of Stressed Assets & Commercial Lending Norms:

Statutory Metric	Regulatory Requirement
Borrowing Requirement	Minimum debt requirement of ₹20 Cr – ₹25 Cr for organized syndication
Credit Rating	Investment-grade external credit rating (minimum BBB- / BBB / A-)
Financial Ratios	Satisfactory Total Outside Liabilities to Adjusted Tangible Net Worth (TOL/ATNW) and DSCR > 1.30x
Audited Track Record	Minimum 3 years of audited financials with clean tax and statutory records
CIBIL / CRILIC Status	Clean borrower and promoter credit history with zero SMA-2 or NPA classifications

EXECUTION WORKFLOW

5-Stage Milestone Roadmap

Debt Audit & Capacity Modeling

Analyzing existing debt facilities, debt service capacity, and structuring target requirement.

CIM & Teaser Formulation

Preparing institutional Credit Information Memorandum with detailed cash flows and collateral profiles.

Lender Outreach & Pitching

Approaching lead banks, financial institutions, and specialized credit funds.

Sanction Letter Evaluation

Comparing sanction terms, interest rates, security margins, and negative covenants.

Inter-Creditor Documentation & Drawdown

Drafting Consortium Agreement, Inter-Creditor Agreement (ICA), and executing loan drawdown.

VALUE REALIZATION

Strategic Advantages for Issuers

✓Access Substantial Borrowing Limits Beyond the Credit Ceiling of a Single Bank

✓Reduce Interest Expense by 50 to 150 Basis Points Through Competitive Lender Bidding

✓Unified Inter-Creditor Security Structure Preventing Cross-Collateral Entanglements

✓Diversify Banking Risk Away from Single Counterparty Discretionary Limits

✓Longer Repayment Moratoriums Matched to Corporate Cash Flow Cycles

✓Full Compliance with RBI Prudential Lending Guidelines and Large Exposure Frameworks

FREQUENTLY ASKED QUESTIONS

Mandate FAQs & Clarifications

In Consortium Banking, multiple banks lend under a unified loan agreement with a common security trustee and joint meetings. In Multiple Banking, the borrower maintains independent loan agreements with each bank, which can create collateral disputes unless an Inter-Creditor Agreement is established.

Strategic Promoter Access

Schedule a Consultation for Debt Syndication Advisory

Schedule an exclusive, non-disclosure advisory session with our senior capital markets partners. We evaluate your listing feasibility, capital structure, and valuation multiples.

Confidential Advisory RequestAll discussions strictly covered under bilateral Non-Disclosure (NDA).

Partner Desk

Direct Partner Contacts

Direct Advisory Hotline

+91 96257 55789

Corporate Inquiries

info@glocalconsultants.com

Corporate Headquarters

Glocal Consultants Private Limited
C-1119, KLJ Noida One,
Sector 62, Noida - 201309

Hours: Mon – Fri: 9:30 AM – 6:30 PM IST
Advisory desks in Noida, Mumbai & Bangalore