Table of Contents

Step 1 - Initial documentation

Step 2 - Preliminary client meeting

Step 3 - Initial review

Step 4 - Indicative Terms (Initial Approval)

Step 5 - Presenting indicative terms to the client

Step 6 - Engagement

Step 7 - Due diligence, risk assessment & underwriting

Step 8 - Presenting final offer to the client

Step 9 - Legal process

Step 10 - Disbursement of funding

Step 1 - Initial documentation

Initial documentation needs to be completed with business owners before any discussions can begin.

Non-circumvention and Non-disclosure Agreement (NCNDA).
Deal in-take form.

Step 2 - Preliminary client meeting

Preliminary meeting is conducted for both parties to understand each other and decide if we move ahead or not.

We introduce our company, explain our funding proposition, our fees, our process, and timelines involved to the client.
Client explains the project in brief.
Q&A session follows.
We move to the next step if both parties agree.

Step 3 - Initial review

Initial review is necessary to indicate interest in the business/project and avoid wastage of time for both parties.

We indicate in-principle interest or lack of interest after reviewing the documents provided.
Client provides access to project data room if we indicate interest in the project.
We analyze the information provided in the project data room, and move to the next step.

Step 4 - Indicative Terms (Initial Approval)

Indicative terms are in-principle approvals for the project and are subject to further due diligence, risk assessment and underwriting.

We prepare an executive summary and report for the funding channel as per their requirements and submit the project for approval.
We liaise with the funding channel's analyst and the client to provide any missing information as appropriate.
We get indicative terms from the funding channel based on information provided.

Step 5 - Presenting indicative terms to the client

Indicative terms are presented and explained to the client, along with our fee agreement.

We arrange a meeting with the client to present and explain the indicative terms.
We present and explain our fee agreement and scope of work.
We move to the next step if both parties agree.

Step 6 - Engagement

This is the engagement process once both parties agree.

The indicative terms and fee agreements are executed by both parties.
Invoices are generated by us and the funding channel for payment.
Client pays our engagement fees to us, and the due diligence fee to the funding channel separately.

Step 7 - Due diligence, risk assessment & underwriting

In this step we start working with the funding channel and the client to complete the due-diligence on the project.

A dedicated analyst is assigned for the business/project by the funding channel.
We liaise with both, the client and the funding channel's analyst to help complete the due-diligence, risk assessment and underwriting process on the project.
Follow-up meetings are called for, and missing information is requested, as required.
Complete project report is submitted to the funding channel, and final offer is generated.

Step 8 - Presenting final offer to the client

Funder's final offer is presented to the client and agreed upon by both parties.

We arrange a meeting with the client to present and explain the final offer.
Amendments are made to the final offer (if required) after discussion between client and funder.
We move to the next step if both the client and the funder agree.

Step 9 - Legal process

In this step, the legal structure and documentation is put in place.

Financing agreement is reviewed by lawyers from both sides.
Clauses are finalized and tweaked as appropriate.
We move to the next step if both parties agree.

Step 10 - Disbursement of funding

In this step, funding is disbursed for the project.

Funding is disbursed as per mutually agreed disbursement schedule.
Work on the project begins on the client side with lender oversight on usage of funding in different project stages.
We assist where necessary, till funding is fully disbursed.

Funding process

Step 1 - Initial documentation

Step 2 - Preliminary client meeting

Step 3 - Initial review

Step 4 - Indicative Terms (Initial Approval)

Step 5 - Presenting indicative terms to the client

Step 6 - Engagement

Step 7 - Due diligence, risk assessment & underwriting

Step 8 - Presenting final offer to the client

Step 9 - Legal process

Step 10 - Disbursement of funding

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