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Service Details

Working Capital Loan Advisory

(406) 555-0120

Restructure Your Business Loan. Revive Your Cash Flow. Grow with Confidence.

Many businesses suffer not from low profits, but from poorly structured working capital loans. High interest, scattered facilities, and short tenures choke growth. That’s where SS Fin Advisory comes in. We don’t offer loans—we help you optimize, negotiate, and restructure your existing working capital arrangements for higher profitability.

What We Cover:

  • Cash credit (CC) and overdraft (OD) accounts
  • Working capital term loans (WCTL)
  • Bill discounting and trade finance
  • Business loan consolidation

Key Benefits of Our Advisory:

  • Reduced interest payout through intelligent restructuring
  • Optimized drawing power and DP calculation
  • Balance between CC limits and WCTL for better liquidity
  • Lender comparison for the best ROI on your facility

Our Process:

Step 1: WC Utilization Audit

We examine your loan statements, CC usage, and fund flows to detect cash flow leakages.

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Step 2: Strategy Design

We prepare a customized working capital plan with recommendations like:

  • Facility consolidation
  • Fund vs non-fund-based mix
  • Tenure and rate renegotiation
  • Long-term WC via term loans
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Step 3: Execution Support

From preparing CMA data to negotiating with your bank, we provide hands-on support to implement the new structure.

  • Results You Can Expect:
    10–30% reduction in annual interest payout
  • 20–40% improvement in cash flow efficiency
  • Better bank terms due to professional structuring
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We are a team of dedicated financial experts committed to guiding you towards financial growth and success.

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