Credit Readiness
For MSMEs whose next stage of growth depends on a lender conversation, and who need the fundamentals right before that conversation starts.
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Why the fundamentals matter
An MSME approaching a bank for the first time is asking someone who doesn't know the business to commit capital based on a short conversation.
The businesses that get what they want from that conversation have one thing in common. They walk in structured. Financials that tell a clear story. A well-articulated ask. Documentation that answers the obvious questions before they're asked.
The businesses that don't, regardless of how strong the underlying operation is, consistently get worse outcomes: lower credit limits, higher interest rates, or nothing at all.
This programme fixes the preparation before the conversation.
What we do
Financial Statement Review We review your last 2–3 years of financials (P&L, balance sheet, cash flows) from a credit officer's perspective. We flag what they'll question, identify what needs to be clarified or corrected, and give you a clear picture of how your numbers read externally.
Narrative Development Your business has a story. Lenders don't want a data dump. They want to understand the business, the trajectory, the ask, and the rationale, in that order, in the right framing. We write the credit narrative that presents your fundamentals in the best credible light.
Information Memorandum A structured IM covering your business overview, financial summary, credit ask, and repayment rationale: the document that goes to lenders before the meeting.
Documentation Readiness We give you a complete list of what you need before you approach a lender: certificates, statements, registrations, disclosures. So you're not chasing paperwork after you've already started the conversation.
Pathway to Full Advisory Once you're ready, we can move directly into a Structured Debt & Refinancing Advisory mandate, approaching lenders on your behalf with the IM and credit narrative already built.
Who this is for
- Revenue: INR 10–50Cr, approaching a first formal facility or restructuring an existing one
- Businesses that have been turned down by a lender and want to understand why
- Promoters with strong fundamentals but financials that haven't been packaged for a credit conversation
How it works
Start with a Financial Health Review. Free, 30 minutes. We assess where you stand and confirm whether this programme is the right starting point.
Programme engagement. Typically 3–6 weeks. Financial review, narrative development, IM preparation, documentation checklist.
Handoff. You leave with a complete lender-ready package.
Book a free Financial Health Review →
contact@evolv.ventures · +91 88106 30326