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We are well established as one of the trusted Providers of Services Regarding dealing in various financial products which include a Feasibility study; Project Financing & implementation by arranging finance for Businessmen, Traders, Corporate and Exporters etc. We have contact with Banks, Financial Institution & Various funding agencies for the funding process. Our Services Help to clients in financing long term Infra-structure & various other commercial projects.
Working Capital FinanceCash Credit limitOverdraft limitTerms loan1: Unsecured Corporate Loan
2: Loan Syndication for Bigger Projects/Expansion Plan etc.
3: Takeover by Banks/Financial Institution
4: Packing Credit Loan, Letter of Credit for Importer & Exporter
5: Bank Guarantee
6: Loan against Property
7: Foreign Direct Investment (FDI)
8: Foreign Private Equity and Venture Capital
9: Preparation of Project Reports, Formation of Company and Allied Services
10: Non Fund Based Products Facilities
11: Letter of credit
12: Funding for Real estate Business
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Looking for expert Chartered Accountants for project financing in Gurgaon? AVC India delivers comprehensive debt syndication, term loan arrangement, working capital structuring, CMA data preparation, and strategic lender negotiation services for manufacturers, infrastructure developers, IT/ITeS companies, and growing enterprises across Delhi NCR.
Access to timely and cost-effective capital is the single most critical determinant of business growth in today’s competitive landscape. Whether you are setting up a new manufacturing plant in IMT Manesar, expanding your IT infrastructure in DLF Cyber City, acquiring commercial real estate on Golf Course Road, or scaling working capital for a trading operation in Udyog Vihar, the right financing structure can significantly impact your project’s viability and long-term profitability.
At AVC India (Aggarwal Varun & Co.), we provide comprehensive project financing and debt syndication services in Gurgaon for manufacturers, infrastructure developers, IT/ITeS exporters, healthcare facilities, educational institutions, and high-growth SMEs across Delhi NCR. Our seasoned Chartered Accountants bridge the gap between your capital requirements and lender expectations.
Our team conducts detailed financial modeling, prepares bankable project reports and CMA data, evaluates optimal debt-equity structures, and negotiates with a wide network of public sector banks, private banks, NBFCs, and alternative investment funds to secure the most favorable terms for your business.
From greenfield project funding and brownfield expansion to working capital enhancement, equipment finance, and lease rental discounting, our senior partners manage the entire financing lifecycle—from initial feasibility assessment to final disbursement and post-sanction compliance.
A strategically structured project financing solution reduces your cost of capital, strengthens lender confidence, and ensures your growth plans are never constrained by funding gaps.
Professionally prepared CMA data, project reports, and financial models significantly reduce lender evaluation time and improve your sanction success rate on the first submission itself.
We negotiate competitive interest rates, favorable repayment schedules, moratorium periods, and minimal collateral requirements by presenting your project’s strengths effectively to multiple lenders.
Our CAs evaluate the optimal mix of term debt, working capital, unsecured loans, and equity infusion to minimize financial risk while maximizing return on investment.
From lender identification and application filing to sanction letter review, documentation, and disbursement follow-up we manage every step of the financing process.
Our senior chartered accountants provide structured project finance and debt advisory services across diverse industries and business sizes in Delhi NCR.
Enterprises setting up new manufacturing units, expanding existing production capacity, or modernizing plant and machinery require substantial long-term capital. We structure term loans, equipment finance, and project debt to match your capex requirements with optimal repayment timelines.
Manufacturing corporations need financing for plant setup, machinery purchase, factory construction, and working capital cycles. We arrange composite loans, CGTMSE-backed collateral-free debt, and MSME scheme benefits tailored to your industrial operations.
Technology companies require funding for office expansion, server infrastructure, product development, and working capital for overseas projects. We structure venture debt, lease rental discounting, and specialized IT financing solutions from lenders who understand the tech business model.
Construction firms and developers need project financing for land acquisition, construction, and infrastructure development. We arrange structured debt, mezzanine finance, and construction finance from banks, NBFCs, and AIFs with flexible drawdown schedules.
Hospitals, schools, colleges, and hotels require substantial long-term capital for infrastructure creation. We provide specialized project finance advisory for these sectors, including equipment finance, building loans, and working capital facilities.
Trading companies, retail chains, and e-commerce operators require robust working capital facilities to manage inventory, receivables, and seasonal demand fluctuations. We arrange cash credit, overdraft, LC, BG, and supply chain finance solutions.
Keep these core financial, statutory, and project-related documents ready for our chartered accountancy team to prepare your financing proposal.
A systematic, CA-led financing framework ensuring optimal capital structure, competitive terms, and timely disbursement.
We analyze your capital requirement, business model, cash flow projections, and repayment capacity to determine the optimal financing structure and loan amount.
Our CAs prepare detailed CMA data, projected financial statements, ratio analysis, and a bankable project report aligned with lender requirements and RBI guidelines.
We identify the most suitable banks, NBFCs, and financial institutions based on your profile and submit applications with complete documentation to multiple lenders.
We coordinate with credit rating agencies, present your case to lender credit committees, and negotiate interest rates, collateral, and repayment terms on your behalf.
We review the sanction letter in detail, advise on any unfavorable clauses, assist in negotiation, and guide you through acceptance and documentation.
We coordinate with legal teams for mortgage creation, security perfection, and ensure all pre-disbursement conditions are fulfilled within stipulated timelines.
We follow up for timely disbursement, assist in utilization certificates, and provide ongoing support for renewal, enhancement, and compliance reporting.
We analyze your capital requirement, business model, cash flow projections, and repayment capacity to determine the optimal financing structure and loan amount.
Our CAs prepare detailed CMA data, projected financial statements, ratio analysis, and a bankable project report aligned with lender requirements and RBI guidelines.
We identify the most suitable banks, NBFCs, and financial institutions based on your profile and submit applications with complete documentation to multiple lenders.
We coordinate with credit rating agencies, present your case to lender credit committees, and negotiate interest rates, collateral, and repayment terms on your behalf.
We review the sanction letter in detail, advise on any unfavorable clauses, assist in negotiation, and guide you through acceptance and documentation.
We coordinate with legal teams for mortgage creation, security perfection, and ensure all pre-disbursement conditions are fulfilled within stipulated timelines.
We follow up for timely disbursement, assist in utilization certificates, and provide ongoing support for renewal, enhancement, and compliance reporting.
Every project report, CMA data, and financing proposal is directly reviewed by CA Varun Aggarwal (FCA) and senior finance professionals.
We have successfully arranged over ₹500 Crore in debt financing for clients across manufacturing, IT, real estate, healthcare, and trading sectors.
We maintain strong relationships with 30+ public sector banks, private banks, NBFCs, and AIFs, ensuring competitive terms for every client.
We understand the specific financing needs of Gurgaon’s MNC IT headquarters, Manesar auto component manufacturers, and major real estate developers.
We manage the entire financing lifecycle from application to disbursementwith strict timelines and proactive follow-up at every stage.
Your complete financial data, business plans, and proprietary information are protected under non-disclosure agreements and encrypted storage systems.
Project financing is the process of arranging long-term debt and equity capital for setting up new projects, expanding existing operations, or acquiring capital assets. In India, project financing is governed by RBI guidelines, bank credit policies, and various government schemes designed to promote industrial growth and entrepreneurship. A well-structured project financing solution balances debt and equity, matches repayment schedules with cash flows, and minimizes the overall cost of capital.
In a dynamic commercial hub like Gurugram featuring high-volume manufacturing units in IMT Manesar, multi-national SaaS exporters in DLF Cyber City, and extensive real estate development on Golf Course Road access to timely and cost-effective project financing is critical for maintaining competitive advantage and scaling operations.
| Financing Type | Governing Authority / Scheme | Applicability / Trigger | Typical Providers |
|---|---|---|---|
| Term Loan | RBI Master Directions on Credit | For capital expenditure, plant & machinery, infrastructure | Public/Private Banks, NBFCs |
| Working Capital Facility | RBI Guidelines on Working Capital | For managing operating cycle, inventory, receivables | Banks, NBFCs |
| CGTMSE Collateral-Free Loan | CGTMSE Scheme, Ministry of MSME | For MSMEs with turnover up to ₹250 Crore | Member Lending Institutions |
| MSME Loan | MSME Development Act, 2006 | For micro, small, and medium enterprises | Banks, NBFCs, SIDBI |
| Venture Debt | RBI Guidelines on Venture Debt | For startups, high-growth tech companies | Specialized NBFCs, AIFs |
| Lease Rental Discounting | RBI Guidelines on LRD | For commercial property owners with rental income | Banks, NBFCs |
Debt-Equity Ratio: The ratio of total debt to shareholders’ equity, indicating the financial leverage and risk profile of the project. Lenders typically prefer a debt-equity ratio of 2:1 or lower.
DSCR (Debt Service Coverage Ratio): The ratio of cash available for debt servicing to interest and principal payments. A DSCR of 1.5 or higher is generally considered healthy by lenders.
Moratorium Period: The initial period during which the borrower is not required to pay principal, only interest. This is crucial for greenfield projects where cash flows stabilize after operations commence.
Lender Expectation Management: Understanding each lender’s credit policy, sector exposure limits, and risk appetite to position your proposal effectively.
Collateral Optimization: Structuring collateral to minimize the burden on promoters while meeting lender security requirements, including CGTMSE coverage and property mortgage.
Government Scheme Utilization: Identifying and leveraging MSME, PMEGP, CGTMSE, and state industrial policy subsidies to reduce effective cost of capital.
Post-Disbursement Compliance: Ensuring timely submission of stock statements, financial statements, and compliance certificates to maintain good standing with lenders.
PMEGP (Prime Minister’s Employment Generation Programme): Offers subsidized loans for setting up new micro-enterprises in manufacturing and service sectors, with subsidy up to 35% of project cost.
MSME Champions Scheme: Provides financial support for technology upgradation, quality certification, and market development for MSMEs.
State Industrial Policy Subsidies: Haryana and other states offer capital subsidy, interest subsidy, and tax incentives for new industrial units and expansion projects.
SIDBI Schemes: Small Industries Development Bank of India offers various refinance and direct lending schemes for MSMEs, including equipment finance and working capital assistance.
There is no minimum project cost for seeking project financing. Banks and NBFCs offer term loans for projects ranging from ₹10 lakh to ₹100+ Crore. However, the documentation, collateral, and evaluation requirements vary based on the loan amount and lender's credit policy. Our team can help you identify the right lender based on your project size.
The timeline for project financing sanction typically ranges from 4 to 12 weeks, depending on the loan amount, lender type, collateral complexity, and completeness of documentation. With professionally prepared CMA data and project reports, we ensure your application is complete and accurate, significantly reducing processing time.
Yes, collateral-free project financing is available under the CGTMSE scheme for micro and small enterprises, with guarantee cover up to ₹5 Crore. Additionally, some NBFCs offer unsecured loans based on cash flow and business performance. We can help you identify the best collateral-free options for your business.
CMA (Credit Monitoring Arrangement) data is a standardized financial statement format prescribed by RBI. It presents your projected financials, ratio analysis, fund flow, and working capital requirements in the format expected by lenders. CMA data is mandatory for most bank loan applications and is critical for assessing your repayment capacity.
Yes, we provide complete advisory and facilitation support for government schemes including CGTMSE, PMEGP, MSME Champions, and state industrial policy subsidies. We identify eligible schemes, prepare application documentation, and coordinate with authorities for timely approval and disbursement.
Schedule a confidential consultation with CA Varun Aggarwal (FCA) and our senior project finance advisory team in Sector 31, Gurugram. Structure your debt, optimize your cost of capital, and secure the funding your business deserves.
