Advisory Services
Working Capital Advisory
Working Capital finance should reflect the operating cycle of the business.
The requirement may depend on turnover, inventory, receivables, creditors, cash flow, banking conduct and the nature of the business.
Dr Finance India helps businesses understand and structure Working Capital requirements such as Cash Credit, Overdraft and related facilities.
Who This Is For
Is This Right for You?
- Trading businesses
- Manufacturing businesses
- Service businesses
- MSMEs
- Businesses with inventory cycles
- Businesses carrying significant receivables
- Existing CC / OD borrowers
- Businesses seeking limit enhancement
- Businesses reviewing lender or facility structure
Our Advisory
How We Help
- Working-capital requirement assessment
- Cash Credit / OD evaluation
- WCDL understanding
- Limit enhancement review
- Drawing Power analysis
- DSCR review
- Cash-flow assessment
- Banking conduct review
- Existing-facility analysis
- Lender-fit assessment
- Renewal and balance-transfer discussion
- Documentation readiness
Lender Perspective
What Lenders Typically Assess
- Annual turnover
- Inventory levels
- Receivables
- Creditors
- Operating cycle
- Cash flow
- Bank statement conduct
- Existing working-capital limits
- Drawing Power
- DSCR
- Profitability
- Financial statements
- GST / statutory data where applicable
- Collateral and security where required
The method of assessment may vary depending on the lender, business size and facility structure.
Useful Tools
Calculators
- DSCR Calculator
- FOIR Calculator
- EMI Calculator
- Drawing Power Calculator — Planned
Get in Touch
Need help reviewing a Working Capital requirement?
Dr Finance India can help assess the business profile, funding structure, financial position and lender fit.
Disclaimer: Dr Finance India is a financial consulting and loan advisory platform and is not a bank or NBFC. Working Capital limits, security requirements, pricing and sanction remain subject to the lender's own credit policy and assessment.