Credit Rating Advisory Services For Businesses In India
A credit rating is more than just paperwork. How your numbers, plus the business and plans around them are presented, plays a part in the analyst's understanding of you. CredMen is a team of credit rating consultants in Bengaluru, and our credit rating advisory helps businesses across India prepare thoroughly before approaching a rating agency. We don't assign ratings, as SEBI-registered agencies do independently. What we do is help you walk in ready.
Present Your Credit Story With Clarity
Securing the right credit rating can mean the difference between high-cost capital and competitive capital.
We work closely with businesses at every stage of their rating journey, from the initial assessment to the final presentation.
Our goal is to present their credit story clearly and persuasively to rating agencies like CRISIL, ICRA, CARE, INDIA RATINGS, ACUITE, INFOMERICS, and BRICKWORK.
Credit Rating Advisory
Structured advisory support designed to help businesses prepare, position and present their financial and business strengths during the credit rating process.
Initial Assessment
We conduct a thorough, independent evaluation of the client's financial position, business risk profile, and key credit metrics before formal engagement with a rating agency. This helps identify strengths to showcase and gaps to address early on.
Resolution Plan Rating
We provide advisory support for entities going through debt resolution or restructuring. We help structure and present resolution plans according to rating agency expectations and RBI-mandated frameworks.
Appeal Note Preparation
We assist clients in creating clear and data-supported appeal notes to contest or request reconsideration of a rating outcome. We ensure the client's case is presented with clarity and supporting evidence.
Data Presentation to Rating Agency
We help clients organize and present financial and operational data in the format and depth that rating agencies expect. This ensures accuracy, consistency, and a compelling story during the rating process.
Supporting Your Rating Journey
We help businesses prepare and communicate their credit story for interactions with leading credit rating agencies.
Credit Rating Agencies
Rating Scale & Risk Weights
Where a rating sits on the scale directly drives the risk weight a lender applies to your exposure — and therefore the cost and availability of your capital.
Grade
Grade
| Long Term | Risk Weight % |
|---|---|
| Investment Grade | |
| AAA | 20 |
| AA+ | 30 |
| AA | |
| AA- | |
| A+ | 50 |
| A | |
| A- | |
| BBB+ | 100 |
| BBB | |
| BBB- | |
| Speculative Grade | |
| BB+ | 150 |
| BB | |
| BB- | |
| B+ | |
| B | |
| B- | |
| C+ | |
| C | |
| C- | |
| D | |
| Short Term | Risk Weight % |
|---|---|
| Investment Grade | |
| A1+ | 20 |
| A1 | 30 |
| A2+/A2 | 50 |
| A3+/A3 | 100 |
| Speculative Grade | |
| A4+ | 150 |
| A4 | |
| D | |
How to read this table: each block of ratings shares the risk weight shown beside it — the lower the rating, the higher the weight. D rating denotes default. Risk weights follow the standardised approach used by lenders in India.
Debt Syndication
Raising the right debt at the best cost, duration, and structure requires more than just approaching a lender.
We help businesses outline their financing needs and access suitable credit options through our network of banks and financial institutions.
Credit Requirement Assessment
We evaluate the client's business model, cash flows, and capital structure to figure out the best amount, duration, and type of debt needed.
Facility Structuring
We provide advice on the right mix of fund-based and non-fund-based facilities, including term loans, working capital limits, and bank guarantees, tailored to the client's operational and project needs.
Lender Identification & Coordination
We identify suitable banks and financial institutions and manage the entire process from proposal submission to approval and disbursement.
Negotiation Support
We assist clients in negotiating terms, pricing, and conditions with lenders to secure favourable financing terms.
The Advisory Journey
A structured approach that helps businesses move confidently through assessment, preparation, presentation and ongoing financial discussions.
Assessment
We review the business model, financial position, cash flows, capital structure and key credit parameters to understand the overall financial profile.
Preparation & Positioning
We identify relevant strengths and gaps, organize financial and operational information and help management prepare for important discussions.
Presentation & Support
We support the presentation of the business case and provide coordination and advisory assistance throughout the relevant rating or financing process.
Why the Right Credit Rating Matters
A strong and appropriately presented credit profile can help businesses approach lenders and financial institutions with greater clarity and confidence.
The right credit positioning can support discussions around more competitive financing.
Clear and consistent financial communication can strengthen credibility with lenders and financial institutions.
Better understanding of financing requirements can help businesses evaluate suitable debt structures.
Strategic Support at Every Stage
Independent Advisory
Our focus is on understanding your business and helping management prepare effectively for the independent rating and financing processes.
Structured Financial Analysis
We examine key financial, business and credit parameters to identify potential gaps and areas that require clearer presentation.
Management Preparation
We help management teams organize information and prepare for important discussions with rating agencies, lenders and financial institutions.
Frequently Asked Questions
Understanding our Credit Rating Advisory and Debt Syndication services.
Strengthen Your Financial Positioning
Talk to our advisory team about your Credit Rating and Debt Syndication requirements.