Credit Rating Improvement and Maintenance

 

Importance of Credit Rating

Lenders usually ask for credit rating of investment grade (BBB- and above) for sanctioning new and existing loan facilities. Credit ratings do matters for clients as these not only indicate borrowing power of the client but also impact interest rates of the facilities availed from banks.

Higher the credit rating, lower the interest costs.


We help you in getting better Credit Rating next time

We deeply study the rating rationale provided by rating agencies and work out solutions to improve the credit profile and next credit rating of the client.

Calculation of key leverage and liquidity ratios, profitability and turnover ratios alongwith past trends and regular monitoring of account conduct, movement in financial ratios by taking some positive actions, can help in improvement of credit rating of the client.


We were facing issues in managing our liquidity and financial committments. Fingo is helping us in managing our banks, helping us in getting more funds and managing our cash flows. They focus on cash flow management, financial planning and debt management.
Tarun Garg- CFO

I personally know Bharat from last 7-8 years. The best quality in him, he is always responsive and proactive, give you right solution on time and help you with proper strategy to come out from any financial stress. I wish him all the best for his future endeavors. 
Ajay Singhal - Chief Financial Officer

Fingo provides a perfect advice and guidance as per our requirement regarding debt and capital. Team has strong knowledge of current banking system and their analysis regarding different options for debt is upto the mark.  They advise time to time regarding liquidity and cash flow management which help us to grow our business in proper way.
Sanjeev Sharma - Director

We have working capital limits with more than 5 banks. We were facing bandwidth issue in managing sanctions/renewals throughout the year. Fingo is now helping us to get sanctions/renewals on time as they are now dealing with all banks on our behalf. My borrowing costs have come down and I am utilising my time on my business.
Amit Puri- CEO