Insights · Page 2 of 3

Notes from the other side of the table

Your company's credit report: reading the CIBIL MSME Rank

Before a banker reads your accounts, they read your bureau report. For many businesses it contains errors that quietly cost them approvals.

2 June 2026

Debt Financing7 min read

What lenders actually look for in a mid-market credit file

Credit committees are not persuaded by ambition. They are persuaded by consistency — and most declined applications fail on presentation, not fundamentals.

22 May 2026

Syndication6 min read

Consortium, multiple banking or syndication?

When a requirement outgrows a single lender, the architecture of the facility becomes as important as its price.

6 May 2026

Regulation5 min read

The new MSME thresholds, and why a larger company may still qualify

India doubled its turnover limits for small and medium enterprises in April 2025. Many companies that assumed they had outgrown MSME status have not.

21 April 2026

Capital Structure6 min read

Private credit in India: where it fits beside your bank

Private credit funds have become a permanent part of India's capital markets. Used well, they complement a banking relationship rather than replace it.

7 April 2026

Interest Rate Optimization5 min read

Reading the spread: what external benchmarks mean for your borrowing cost

Since 2019, floating-rate MSME loans have been priced off an external benchmark. The benchmark moves with policy; the spread is where your negotiation lives.

24 March 2026

Perspective5 min read

Why operators evaluate businesses differently from analysts

There is a category of judgement that does not show up in a spreadsheet, and it usually comes from having run something yourself.

8 March 2026

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