Decoding Credit

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Decoding Credit is a financial advisory firm dedicated to empowering businesses by providing tailored financial solutions. Their services include loan syndication and arrangement, financial advisory, and strategic business consulting, all aimed at helping clients navigate complex financial landscapes and achieve sustainable growth. DECODING CREDIT The firm offers a range of services: Term Loans / Project Finance Facilities: Long-term financing solutions for large capital expenditures and business expansion. Working Capital Facilities (Cash Credit/WCDL): Short-term financing to meet day-to-day operational needs, ensuring sufficient liquidity. Bills Discounting / LC Discounting Facilities: Options that allow businesses to convert receivables or letters of credit into immediate cash, improving liquidity. Credit Rating Advisory: Guidance on improving and maintaining credit ratings to secure financing at favorable terms. Bridge Loans / Structured Finance: Temporary financing solutions that bridge the gap between short-term cash needs and long-term funding. Cash Budgeting and Management: Planning and controlling cash inflows and outflows to ensure necessary liquidity. Hedging (Currency/Interest Rate Swaps): Strategies to mitigate financial risks such as currency fluctuations and interest rate changes. Trade Credit (Buyers Credit/Suppliers Credit): Short-term credit extended to businesses by suppliers, facilitating continuous operations without immediate cash outflow. Debt Capital Market (NCDs / Bonds): Raising funds through the issuance of Non-Convertible Debentures or bonds as an alternative to bank loans. The firm is led by Juhee Prashant, an MBA graduate with over 15 years of corporate banking experience, specializing in structured finance and credit risk modeling. Her expertise spans real estate finance, working capital loans, LC discounting, treasury and trade credit, stressed asset and NPA management, and government subsidy schemes.
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