Service Description

Strategic Financial Health Check: The First Step to Capital Intelligence Service: Complimentary Financial Structuring Consultation Format: Video Conference (Google Meet/Zoom) | Duration: 30–45 Minutes Consultants: Senior Relationship Manager & Credit Analyst Team Are you running a 2026 business ambition on a 2020 financial structure? The industrial landscape in India is undergoing a tectonic shift. With the government’s aggressive push through the National Manufacturing Mission, the PLI (Production Linked Incentive) Schemes, and the newly revamped Mutual Credit Guarantee Scheme (MCGS), the window for capital has never been wider. However, access to this capital is not a function of demand; it is a function of eligibility. At Terkar Capital, we believe that finance is the architecture of your growth, not just a commodity. Most manufacturers and exporters face rejection not because their business is weak, but because their financial proposal is structurally misaligned with banking norms. That is why we have introduced our Strategic Tele-Consultation Service—a diagnostic, high-level strategy session designed specifically for Promoters, CFOs, and Directors of MSMEs and Mid-Corporate entities. This is Not a Sales Call. It is a Diagnosis. We operate differently. You will not be speaking to a tele-caller reading a script. You will be engaging directly with a specialized Transaction Structuring Team. What We Will Cover in 45 Minutes: 1. The "Capex" Readiness Audit Planning a factory expansion or machinery upgrade? We will analyze your balance sheet to see if you qualify for the ₹100 Cr Collateral-Free Guarantee under the new MCGS guidelines. We assess your "Project Viability" through a banker’s lens before you even approach a lender. 2. Working Capital Optimization Are you using expensive Cash Credit (CC) limits to fund long-term assets? This is the #1 reason for liquidity crunches. We identify gaps in your trade cycle (e.g., the "Raw Material to Realization" delay) and structure cheaper, asset-light substitutes like Warehouse Receipt Financing, Factoring, or Supply Chain Finance. 3. Subsidy & Incentive Mapping Are you leaving government money on the table? From Interest Subvention benefits to ZED Certification subsidies and TUFS (Textile Upgrade Fund Scheme) compliance, we map your specific business activities to available grants that can directly reduce your cost of borrowing. 4. Debt Consolidation & Swap Strategy