a. Business Plan - Road map
Securing funding almost always requires a formal plan. Companies funded by friends and family may not need a plan, but if you go to venture capitalists, commercial banks, government-backed lenders and most angel investors, you will need a business plan.
Investors today want fewer and better-documented financials.
b. Techno-Economic Viability Report (TEV)
TEV is the most widely used tool for risk mitigation and taking informed lending decisions. It provides a detailed understanding of the techno-commercial aspects with the appraisal of technological parameters and their effect on financial viability along with acceptable risk levels.
Delpha team being a cross functional one in the areas of finance and engineering; can assist banks and investor along with our clients in concluding the risks and mitigate those at acceptable levels.
c. Detailed project report (DPR)
Preparation of detailed project report is further step in firming up the proposal. When an investment proposal has been approved on the basis functional report and the proposal is a major proposal, it would be necessary to detailed project report to firm up the proposal for the capital cost as well as the various facilities.
d. Credit Analysis Report (Credit Note)
Credit analysis involves a wide variety of financial analysis techniques, including ratio and trend analysis as well as the creation of projections and a detailed analysis of cash flows. Credit analysis also includes an examination of collateral and other sources of repayment as well as credit history and management ability. Analysts attempt to predict the probability that a borrower will default on its debts, and also the severity of losses in the event of default.
Before approving a commercial loan, a bank will look at all of these factors with the primary emphasis being the cash flow of the borrower.