What we prepare
- Project reports – for new units, expansion and machinery finance, with cost of project, means of finance and projected profitability
- CMA data – credit monitoring arrangement data for working capital limits, with past, current and projected years
- Reports for schemes – PMEGP, Mudra and state subsidy schemes. See subsidy schemes.
Ratios lenders look at
| Ratio | What it tells the lender |
|---|---|
| Debt service coverage ratio (DSCR) | Whether cash flows can cover loan repayment |
| Current ratio | Short-term liquidity and margin on working capital |
| Total outside liabilities to tangible net worth | Leverage and the owners’ stake |
| Break-even point | The level of sales needed to cover costs |
Our approach
We build projections from your actual data and market assumptions you can explain. We do not inflate figures to fit a loan amount; projections that are not achievable create problems later.
Frequently asked questions
Do you arrange the loan?
We prepare the financial documents and can coordinate with the lender at your request. The lender decides on the loan. See loan services.
How many years of projections are needed?
Usually the loan tenure or at least three to five years for term loans, and the current plus next year for working capital.
What do you need from me?
Past financial statements and ITRs, the project cost and quotations, and your sales and cost assumptions.
This page gives general information about Agar & Co. and its services. It is not an advertisement or solicitation, and it should not be treated as professional advice. Rates, thresholds and due dates change from time to time.