Services

How we can help?

At MentorisCorp we target the right source of financing for our client’s project. We understand that project financing is solely given on the merits of the project; hence, we provide the best services to help clients develop winning business plans that ensure successful financial deal closure. Our highly professional team of investment consultants have the expertise to approach banks, financial institutes, NBFC’s, Private Equity Investors, Venture Capitalists, hedge funds, underwriters, etc quickly and efficiently. We help our clients by:

  • Identifying the most viable projects that have cash flow generating potential.
  • Project development for bankability.
  • Using our Financial and legal expertise to structuring operational transactions.
  • Finding the right investor for the project.
  • Supporting clients through the entire project lifecycle. 

Project financing unlike traditional financing is time-consuming and involves high-end negotiations of financing and operational agreements. Projects need to be capable of meeting its liabilities on its merit. Our expert professionals at MentorisCorp helps clients to raise as much finance as the project needs and help in addressing and reducing project-related risks for both the lenders and sponsors. We provide support to companies with small as well as high capital needs to procure funds from the right channel.

Services offered by MentorisCorp

Project Planning and Management

Project planning on the outset begins with defining project objectives and goals. The project has to be ambitious as well as practically feasible. MentorisCorp’s team of project financing help clients to chart a successful project by:

  • Defining Project structure.
  • Defining Project goals.
  • Recognizing and analyzing the associated risks.
  • Recognizing and managing Project disturbances.
  • Calculating Project success.

We help to fulfill our client’s project financing needs throughout the project’s life cycle;

  • Pre-Financing stage:
  • Project identification
  • Identifying and minimizing risks
  • Identifying the financial and technical feasibility
  1. Financing stage:
  • Debt/Equity arrangement
  • Negotiating with lenders
  • Processing documentation
  • Disbursement of funds
  1. Post-Financing stage:
    • Monitoring/reviewing the use of funds
    • Financial/Project closure
  • Monitoring subsequent debt repayments
Project reports and Credit Monitoring Arrangements (CMA)

A project report may be for a new or an expanding business; it is a report that provides a road map of the plan that is to be carried out. It discusses the challenges, risks, benefits, financial requirements, etc of the project. Thus, the project report is vital for loan sanctioning and MentorisCorp prepares project report for our client which includes the following details:

  • Details of the Firm/ Project
  • SWOT Analysis
  • Manufacturing/operating process details
  • Costing of the product/project
  • Land and building requirement including the construction/leasing cost if any
  • Initial capital investment with further requirements and depreciation of assets
  • Working Capital and Term Loan requirement
  • Projection of materials and manpower requirement
  • Profitability, financial ratio analysis including DSCR calculations
  • Loan tenure and amortization process
  • Disclosure of firms Credit Policies
  • Marketing strategies of the firm
  • Preparing Cash Flow and Fund flow Statement
  • Preparing provisional Profit and Loss Account & Balance Sheet
  • Preparing a summary of the firm’s financial position
  • Break-even analysis
  • Pay Back analysis – Project viability analysis and IRR calculation
  • Preparing a detailed project summary

The RBI guidelines require Credit Monitoring Arrangement (CMA) data for Project Loans, Term Loans, and Working Capital requirements. Clients are required to provide CMA data every year to the banks for taking new loans, renewing, and/or expanding the existing limits. MentorisCorp prepares the following statements for clients that are required for CMA data:

  • Total Project Costing
  • Historic and projected – Fund flow statements, Profit and loss account, Balance sheets
  • Financial analysis
  • Loan repayment schedule
  • Calculating Debt Service Coverage Ratio (DSCR) 
  • Ratio analysis, Break-even analysis, and sensitivity analysis, etc
Advice and Support on various loans and funding activities

Lending institutes do a detailed examination of the various aspects of a project before financing them. They do this to ensure that the project generates sufficient returns so that the loan amount can be recovered with interest.

Various types of funds are required for projects ranging from short term operational funds to long-term funds for the purchase of assets. MentorisCorp offers advice to its clients in selecting the most appropriate funding options which include:

  • Term loans:

Term loans can be short term as well as long term loans ranging from one year to ten years. These loans can be repaid on a monthly, quarterly, or yearly basis. The rate of interest depends on the prime lending rate, borrowers’ profile, etc. MentorisCorp’s network of banks, NBFC’s, financial institutes, and various organizations help our clients to acquire term loans quickly with easy documentation procedures.

  • Overdraft and Cash Credit:

The overdraft facility allows the current account holders to withdraw more cash than available from their bank accounts, this facility is very useful since businesses can use funds over and above their approved current account limits. MentorisCorp has good relations with various banks and helps clients to avail of this facility with ease. We also negotiate with the client’s bankers to charge nominal fees for these services and help clients to gain maximum benefits.

Cash Credit is an account opened by clients having a certain limit based on the clients’ business operations; it helps clients address their liquidity issues for a short period. MentorisCorp helps clients with all the necessary documentation procedures for opening the cash credit account to managing the same for their day to day operations.

  • Working capital loans:

Working capital loans address the short-term financial needs of an organization for the smooth functioning of its operations. MentorisCorp supports clients to avail of this short-term loan by helping them to take loans on their receivables, trade credits, factoring of invoices, etc.

  • Letter of Credit (LC):

A letter of credit is the safest payment mode, where both the buyer and the seller’s interest are protected. MentorisCorp provides advice to its clients on the various types of letters of credit based on the client’s requirement. We assist our clients in every step of the process right from going to the bank for issuance of the letter of credit, documentation procedures to ensure the letter of credit processing without discrepancies, and processing of payment by the bank. Our clients can be assured that the entire operation of the letter of credit will take place smoothly under our assistance.

  • Bank Guarantee (BG):

A Bank guarantee is a non-fund based loan guarantee acquired by the seller to outweigh the risk of non-performance by the buyer. MentorisCorp helps clients to draft bank guarantee terms and conditions. We support our clients by monitoring the BG expiry dates and in case of non fulfillment of conditions we provide BG revocation services. We believe in assisting our client with end to end processing of services and never leave our clients in the lurch.