Loan documentation stud ease Documents for Loan
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Transcript of Loan documentation stud ease Documents for Loan
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StudEase
Coaching for CS in Ludhiana
Presentation by Group B
Contact Gagan Sir7837-220-750
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Credit related documents Used by the lender To evaluate the
creditworthiness of A prospective borrower
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Professional ExpertiseCorrect DraftingProper StampExecutionDuly compilation of formalitiesParties conversant with applicable laws
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Moving to new premises
For managing running expenses of the business
Setting up new units
Expansion or Modernization of the existing units
Installation of balancing equipment.
Diversification etc.
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For Starting up a business
For increasing production capacity
For development and marketing new products
For entering into new markets
For Take-over or acquisition
For upgrading infrastructure
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Project Specification Letters of Intent Promoters Background Promoter’s Net worth Security (as per RBI norms) Interest Rate Repayment Period Moratorium period Cost of Project Ratio Analysis General Information(Case to Case)
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Cost of the Project Promoters Contribution Capital structure Debt Equity Ratio Break Even Point & Sensitive Analysis Projection of future profitability Cash Flow Working Capital Existing Investment
Loan Documentation- Problems & Procedure
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Product Specification Marketing Strategy Demand & Supply Position, Cost & Price structure
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Location of the Projects Internal exchange rate [ier] Social cost benefit analysis Economic rate of return
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Energy conservation Use of alternate source of energy
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Expansion of technology in backward areas Risk assessment Rating
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Letter of Intent/Industrial License Approval for foreign technical and/or
financial collaboration arrangement. Clearance for Capital Goods Committee of
the Central Government for import Clearance under FEMA Approval from various relevant authorities
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Term Loan- both rupee and foreign currency
Equity Participation
Underwriting of Shares and Debenture
Subscription to Shares and Debenture
Financial Guarantees- both rupee and foreign currency for deferred credits and loans raised from other sources
Working Capital facilities
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Amount of money required How quickly the money is needed Cheapest option available Amount of risk involve Length of time
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Description of the project Promoters, management and technical
assistance Market and sales Technical feasibility, manpower, raw
material and environment Investment required, project financing and
returns Government support and regulations
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Banks have different models for rating the credit needs of the borrowers depending upon
1. Nature of assistance 2. Project for which assistance has been
sought.
Banks have a ten scale rating of the borrowers, the first five being “PASS GRADES” and last five “PROBLEM LOAN GRADES
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Memorandum and Articles of Association/Bye-laws. Balance sheet for past five years List of directors and their external directorships List of Subsidiaries and its shareholding List of members holding 5% or more shares along with
the relationship which they have with the company’s directors.
Detailed note on the research and development activities.
copy of government’s order converting the land into industrial land, if applicable.
plan and sectional elevation of building.
Loan Documentation- Problems & Procedure
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equipment layout or plan of building indicating the flow of material.copy of the agreement with architectCopy of letter of sanction for power.Copy of agreement with electricity board.Copy of electrical layout of the plant.A Copy of the letter of sanction of water by municipal or local authorities, where applicable.Copy of the water analysis reportCopy of the project report.Copy of the approval from government for foreign collaborationLayout for the water system.Layout of steam system.Layout of plant for compressed air, fuel etc.Copy of the approval from concerned authorities for the disposal of effluents and arrangements proposed to be made therefore.
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Copies of letter sanctioning financial assistance received from various other agencies.
Market survey report. Agreement with the selling agents. Copies of-
1. Letter of intent 2. Industrial license
3. Capital goods clearance 4. Import license 5. Foreign exchange permission 6. Approval of technical/financial collaboration Clearance under MRTP Act.
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Poor Credit Rating Lack of Information Incomplete business plans & forecasts Risk Involved in Business High Cost of Finance High security requirements Inability to manage operations efficiently Other problems
◦ Time Consuming◦ Vague◦ Difficult to understand
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Preparation of project reports & feasibility studies.
Syndication of long term & Short term loans from financial institutions, banks and other agencies.
Loan documentation, registration of charges and search and status report.
Act as consultant of issue of security
Raising funds form international market – ADR, GDR and ECB.
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Liaisoning with financial institution and banks. furnishing periodical returns, reports and other information to other securities.Drafting of various agreements, letters and other documents.
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Keeping in view the various requirements for filling the
composite application forms, specific guidelines have been
issued by banks.
The application shall be in the prescribed form, with relevant
enclosures.
The loan documentation is the most important part of the
process of taking financial assistance as it contains all the
terms and conditions to be satisfied by the borrower & lender
in future.
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Why StudEase ?
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Guest Lectures
Secretary, DBA Official from Securities Exchange Board of India
( SEBI ) Official from CRISIL ( Best rating agency in India ) Company Secretaries with industry experience. Addl. District Attorney, Patiala. Advocate, Supreme Court of India.
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Visits To District Bar Association Consumer Courts Sales Tax Commisionerate Annual General Meeting Vardhman Textiles
Limited.
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RESULTS..
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Results Speak Louder All India Rank 1 CS Foundation 2012 Best results. Expert faculty for separate areas of
coverage. We have associated CA’s , Lawyers , CS. Industry exposure.
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Hindustan Times Article dated 13th April,2014
StudEase – An institute with a difference.
StudEase is linked with the journey of an individual to find out the true meaning of Education. This track of quality education has been laid down by diverse skills and qualification of the founder member of institute Mr. Gagan Deep Singh ( B.Com, MBA, CS, LLB ).
The success of the students is inspiring and so is the faith of students in StudEase Tutorials which has helped the institute to emerge as one of the preferred institute for CS coaching in the region. To provide the students with the knowledge and practical approach towards the subjects the institute has started live trading exposure sessions, visit to corporates and lectures by guest faculty with industry experience.
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“ We , at StudEase Tutorials believe that there is no substitute to hardwork, especially if one intends to join India’s premiere corporate house.”
The dream of the Director to start an institute with world class infrastructure and quality education which helped the institute to bag ALL INDIA RANK 1 CS Foundation 2012 in the initial year of its set up. The institute has the dedicated team of professionals - CA, CS and Advocates.