Credit Rating Support
Prepare well for your external credit rating and understand how it affects your borrowing.
Preparation for external credit ratings by agencies such as CRISIL, CARE, ICRA and India Ratings.
- Companies whose bank asks for an external credit rating
- MSMEs aiming to improve their rating and the loan terms linked to it
Common challenges
- Sub-optimal rating outcome due to poorly articulated management presentation and risk narrative.
- High bank interest spreads linked directly to external rating downgrades.
- Missing key operational strengths in rating agency analyst interactions.
How we help
- Pre-rating diagnostic to benchmark financial ratios against rating agency criteria.
- Drafting management presentation highlighting competitive moats, order book stability, and liquidity cushions.
- Supporting management meetings with rating analysts and post-rating review.
Our process
- 1
Rating Readiness
Assess historical cash flow stability and debt maturity profiles.
- 2
Deck Preparation
Build compelling presentation on corporate governance, business model, and risk mitigants.
- 3
Analyst Interaction
Coordinate responses to financial and operational queries from rating team.
Documents usually required
0 of 3 readyTick what you already have. Lenders may ask for more depending on your case.
Frequently asked questions
How does an improved credit rating benefit my MSME?
A better rating directly reduces the risk premium on bank loans, potentially saving lakhs in interest annually, while enhancing reputation with corporate buyers.
We do not guarantee loan sanctions or subsidy approvals. Lending and subsidy decisions are made by banks, NBFCs and government departments after their own appraisal.