Services
What we do
Comprehensive Debt Advisory & Capital Structuring Solutions
At DC & Associates, we deliver tailored, end-to-end financial solutions to help businesses unlock value, improve liquidity, and optimize capital structures. With a deep-rooted understanding of corporate finance, real estate, and global funding ecosystems, we advise corporates, promoters, developers, and institutional borrowers across diverse sectors.
Our team brings together decades of experience in credit structuring, debt syndication, regulatory compliance, and cross-border financing to provide intelligent capital solutions.
1. Working Capital Finance & Bridge Loans
DC & Associates structures both fund-based and non-fund-based working capital facilities to ensure your business maintains healthy liquidity:
- Cash Credit / Overdrafts / STLs for daily operational cash flows.
- Bridge Loans to fund interim requirements such as equity infusion delays, invoice realizations, or project milestone advances.
- Dynamic structures aligned with seasonal fluctuations, cash conversion cycles, and inventory turnover ratios.
2. Bank Transfer & Cost Optimization
We help businesses reduce their effective interest costs and improve credit terms through:
- Balance Transfers to competitive lenders
- Repricing & Restructuring of existing debt with better spreads, flexible amortization, and revised security structures
- Cash Flow-Based Lending Models replacing asset-heavy underwriting
Our approach is backed by financial modeling, lender benchmarking, and risk-adjusted return analytics.
3. Acquisition Finance
DC & Associates provides structured debt and mezzanine finance solutions for:
- Domestic & cross-border M&A transactions
- Leveraged Buyouts (LBOs) and Management Buyouts (MBOs)
- SPV-Based Financing with ring-fenced cash flows, escrow accounts, and debt servicing covenants
We work closely with legal and tax advisors to create seamless acquisition structures within regulatory and fiscal frameworks.
4. Promoter Funding Solutions
We enable promoters to access capital without dilution via:
- Loan Against Promoter Holdings (LAS) — listed/unlisted
- Structured Funding with Equity Derivatives or Escrow Mechanisms
- Customized repayment profiles linked to dividend flows, IPO exits, or asset monetization events
All funding complies with SEBI margin requirements and pledging norms.
5. Lease Rental Discounting (LRD)
Unlock rental income streams from leased commercial assets with our LRD solutions:
- Debt structured around long-term lease contracts with AAA tenants
- Indexed rentals, lock-in periods, and credit enhancement mechanisms
- Loan-to-Value (LTV) up to 80%, with flexible tenure and repayment alignment
We assess property cash flows, tenancy profiles, and yield curves to maximize funding.
6. Construction Finance
DC & Associates supports developers with structured construction funding through:
- Milestone-Based Disbursements
- RERA-Compliant Escrow Monitoring
- Integration with private credit funds, NBFCs, and co-lending platforms
We ensure funding is backed by detailed technical, legal, and market due diligence to mitigate execution risk.
7. Loan Against Property (LAP)
We provide LAP solutions for both individuals and businesses against residential, commercial, and industrial assets:
- High-value loans with customized structures (EMI-based, bullet, step-up)
- Suitable for working capital, expansion, or refinancing
Efficient processing backed by robust legal and valuation services
8. Valuation & Legal Advisory
DC & Associates offers critical support services that ensure funding is compliant, transparent, and legally sound:
- Valuation — DCF, comparable transactions, or market value analysis
- Legal Due Diligence — Title reports, encumbrance checks, regulatory compliance
- Drafting & negotiation of term sheets, mortgage deeds, and security documentation
9. Structured Finance
We specialize in crafting bespoke capital instruments for complex credit needs:
- Mezzanine Finance, Convertible Debentures, OCDs, and Hybrid Instruments
- Cash flow-based underwriting with deferred coupons and waterfall repayment structures
- Suited for high-growth companies, special situations, and structured equity monetization
10. Consortium Lending & Syndication Management
For borrowers requiring large-ticket or multi-lender participation:
- Formation and management of banking consortiums and club deals
- Inter-Creditor Agreements (ICA), lead banker negotiations, and credit limit allocations
- Monitoring compliance with covenants, renewal cycles, and fund utilization
We simplify complexity and ensure alignment across all consortium members.
11. ECBs & Foreign Currency Borrowings
DC & Associates facilitates foreign currency financing in compliance with RBI’s ECB Master Directions:
- Term loans for capital expenditure, project finance, or refinancing
- Hedging advisory, currency exposure management, and LRN facilitation
- Partnerships with international DFIs, overseas branches of Indian banks, and global lenders
12. Export Finance & Trade Facilities
Support for exporters across pre-shipment, shipment, and post-shipment phases:
- Packing Credit (INR/FCY), Export Bill Discounting, Buyer’s Credit, Forfaiting
- Integration with ECGC coverage and EXIM Bank refinance schemes
- Risk mitigation advisory and trade documentation assistance (UCP 600 compliance)