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Capital, credit and corporate advisory

See your business the way lenders and rating committees will.

Fintrospect raises the right debt, strengthens credit ratings, structures resolutions for stressed situations and plans growth for corporates and MSMEs, with the judgement of a team that has spent 15 years inside credit rating and banking.

Debt service coverageThe first ratio a credit committee tests
15 YearsCombined experience in credit rating and banking
100+Corporate and SME clients appraised end to end
₹1,000+ CrPortfolios underwritten and monitored
CertifiedBanking and credit professionals with reputed certifications

Where we look closer

One advisory team across the life of your borrowing: raising it, rating it, resolving it when it is under pressure, and planning what comes next.

Debt Syndication & Capital Raising

Customised, cost-effective debt solutions arranged through public and private sector banks, NBFCs and institutional debt funds.

  • Working capital facilities (cash credit, overdraft, LC/BG)
  • Greenfield and brownfield project debt syndication
  • Private placement of NCDs and commercial papers
  • Debt refinancing and high-cost debt substitution

Credit Rating Advisory

Strategic support to ensure business fundamentals, cash flows and order-book strengths are accurately positioned before rating agencies.

  • Diagnostic evaluation against rating methodology criteria
  • Management discussion and committee representation preparation
  • Bank loan rating and debt instrument profiling
  • Annual surveillance support and covenant safeguards

Stressed Debt & RP Advisory

Advisory support for stressed corporates requiring financial restructuring and resolution-plan work.

  • Resolution plan (RP) formulation and financial modelling
  • Assistance in mandatory RP credit ratings
  • Techno-economic viability (TEV) study coordination
  • One-time settlement (OTS) structuring and negotiation

Growth & Corporate Advisory

Strategic advice on corporate re-organisation, transaction structuring, valuation and capital allocation for scaling enterprises.

  • Business valuation and financial pitch-book development
  • Capital structure and debt-to-equity optimisation
  • CFO-office strategic advisory support
  • M&A transaction financial due diligence

Every proposal we prepare is read twice: first by us, the way a credit committee would, and then by your lender.

We have sat on both sides of the credit table

Our team has appraised businesses at a rating desk and underwritten them in a bank's credit committee. Your proposal is prepared with both readers in mind.

At the rating desk

  • Corporate and SME credit appraisal across sectors
  • Ratio analysis, CMA data and financial modelling
  • Early warning signals, KRIs and portfolio dashboards
  • Covenant compliance and exposure monitoring

What it means for you. We know how rating analysts read a business, so we prepare your numbers, narrative and presentation to reflect your real strengths.

In the credit committee

  • Credit proposals and appraisal notes for committees
  • Working capital, term loan and non-fund facility structuring
  • Capital structure, debt schedule and covenant assessment
  • Scenario analysis, stress testing and sensitivity analysis

What it means for you. We build proposals the way credit committees approve them: complete, well reasoned and stress-tested.

Our background

From first look to final outcome

Every mandate follows the same disciplined sequence, sharpened at each stage like a lens coming into focus.

  1. 01

    Diagnose

    We map your current capital structure, credit metrics and risk profile against the benchmarks your lenders and rating committees apply.

  2. 02

    Structure

    We design the optimal facility mix, credit positioning or transaction structure — tailored to your business model, not a generic template.

  3. 03

    Execute

    We prepare the information memorandum, manage multi-lender outreach or agency interaction, and negotiate terms on your behalf.

  4. 04

    Monitor

    We stay engaged post-closure: covenant tracking, annual surveillance, and proactive intervention before issues escalate.

Tell us what you are working on

Share a short brief. Our advisory team responds within one business day and tells you candidly how we can help.

Common questions

We advise corporates and MSMEs on debt syndication and capital raising, credit rating, stressed debt and resolution plans, and growth and corporate advisory including valuation, financial modelling and capital structure.

We work across sectors. Our approach adapts to how a business in your industry generates and uses cash. Our industry pages describe sectors we are frequently asked about.

With a conversation. We learn about your business and objective, tell you candidly whether and how we can help, and propose a scope. There is no obligation to proceed.

All questions

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