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the fundraising process:

Process:

Debt: Debt Funds can be raised for buying assets (or) for stocks (or) for both (or) other business requirements. > Identify the purpose of debt requirement and Quantify the fund requirement for each purpose > Explore the security to be offered to the lenders > Exploring feasibility of loan > Identifying bankers > Submission of Information Memorandum > Submission of CMA/Financial Projections > Submission of Other Documents > Query solving of bank’s credit team > Negotiation of terms > Sanctioning of limits > Disbursement of funds

Equity: As a thumb rule, Equity Funds are raised for those purposes where Debt cannot be raised because equity is always costlier then debt > Identify the purpose for raising equity and Quantifying the fund requirement > Exploring feasibility of equity investment given the business and sector potential > Identifying type of equity investor > Preparation of deal collateral including teaser / pitch deck / financial model > Sending out the collateral to potential equity investors > Discussions with equity investors and solving queries > Term sheet from investors outlining broad investment terms > Negotiation of terms > Due diligence and preparation of final documentation post term sheet signing > Signing final documentation > Disbursement of funds

How can InCorp help you?

InCorp India is here to help you in your efforts. Here’s how we can add value to your fundraising process:

Debt:

We can help you in structuring the debt, preparing a bankable proposal comprising of the IM and the CMA data/financial projections so that you can approach your bank.
a. Information Memorandum (IM):
It is the first document which is to be submitted to bankers.
It covers basic details such as the background of the business and the management, the industry, the financial metrics, the proposed loan structure, security details, the justification for the loan, etc.
An IM covers all the preliminary information which is required by bankers for assessing whether they can look at a loan proposal.
The IM has to be crisp, accurate as well as should highlight the relevant points to attract a bank’s business and credit team.
b. CMA/Financial Projections:
It is the most important file for getting any loan.
It refers to the future financials of the business for the tenure of the loan (balance sheet and profit and loss account for the next few years).
It requires detailed calculations and estimations and the same is required in a particular format which is established amongst the banking fraternity.
Every number mentioned needs to have a basis and an explanation.

Equity:

a. Teaser:
It is the first document submitted to potential investors and is intended to generate interest in the investment’s target market
It contains the major highlights and overview of the deal contours, background of the business, industry, strengths of the company, etc
The teaser has to be short and has to have the potential to positively influence the investor to dive deeper into the company.
b. Pitch Deck
A pitch deck is a brief presentation that gives potential investors an overview of the business, industry, products, growth traction, strengths of the company, financial projections, investment highlights, etc
It is the most important file for getting investors onboard since this communicates everything about the company including future ideas to potential investors
The goal of the pitch deck is to secure a meeting / discussion with the potential investor since a good informative pitch deck is the first rung on the ladder.
c. Financial Model / Financial Forecast Model
It refers to the past, current and future financials of the business for a foreseeable duration (balance sheet and profit and loss account for the next five years)
It requires detailed calculations and estimations basis the business of the company and the future growth potential with the potential funding from the investors
It provides potential investors with reasonable foresight as to what their investment will be used for in the business and where will the company reach using the funds
It is an extremely detailed document since this forms the basis of the investment and valuation of the company