Capitalize specializes in providing support and solutions to banks and NBFCs (Non-Banking Financial Companies) in the corporate banking space. We offer solutions in simplifying lending processes, increasing speed to market (potentially by automating certain steps), and enhancing the quality of credit decisions. We offer assistance across various stages of the commercial lending value chain, including:
- Origination Support for Corporate and Retail Lending: We assist clients in the initial stages of the loan application process. This include providing leads, helping them gather necessary documentation, fill out application forms, KYC and navigate the application process.
- Credit Risk Assessment: This is a crucial part of the lending process. Our services involves preparing credit appraisal notes and building financial models. We use specific templates mandated by the bank to assess the creditworthiness of potential borrowers. This involves analysing their financial history, credit scores, and other relevant data to determine if they are a suitable candidate for a loan.
- Financial Modelling/Projections: We create financial models and projections, which can help both lenders and borrowers understand the financial implications of a loan. This could involve forecasting cash flows, income statements, and balance sheets to assess a borrower's ability to repay a loan.
- Collateral Assessment: In some lending situations, borrowers are required to provide collateral as security for the loan. our services involves assessing the value and quality of the collateral to determine its suitability for securing the loan.
- Determining Qualitative Rating Criteria: We help in developing qualitative criteria that help evaluate the overall risk of various types of loans. These criteria could include factors such as industry risk, market conditions, and borrower reputation.
- Covenants Monitoring: Once a loan is approved and disbursed, it's essential to monitor the borrower's compliance with the agreed-upon covenants or conditions. Our service includes tracking and ensuring that borrowers meet their obligations as outlined in the loan agreement.
- Loan Repayment Support: This service likely involves helping borrowers manage their loan repayment schedules. It may include providing advice on how to structure repayments and manage their finances effectively to meet their obligations.
