Debt financing first. Equity financing when it fits.
In every case the approach is the same: understand the business first, then find the capital source — and the structure — that actually fits.
The full picture, not one piece of it
Financing needs rarely arrive as a single, clean request — a company that needs fresh funding often also needs its existing debt restructured, its credit profile cleaned up, and its paperwork built the right way to get a bank’s approval. CCIC handles the full picture, not just one piece of it.
CCIC’s core specialty is debt financing — structuring and raising loans, credit lines and structured debt for established companies from banks and institutional lenders. Where a company’s profile calls for it, we also raise equity financing from private investors and family offices.
What we raise capital for
- Business expansion and capacity growth
- Working capital requirements
- Asset and equipment financing
- Project and infrastructure financing
- Debt restructuring
Getting your debt structure right — not just bigger
This is where most of our client relationships start: a company's existing debt isn't working for them anymore — wrong lender, wrong tenure, wrong rate, or simply not enough of it.
Take Over
Moving an existing loan from one bank or lender to another — typically to secure better terms, a better relationship, or to resolve a lender that isn't serving the company well anymore. We identify the right new lender and manage the transition.
Refinancing
Restructuring existing debt — whether that's renegotiating terms with the current lender or moving to new financing altogether — to better match the company's current financial position and future plans.
Fresh Financing
New capital for companies with an established track record — for expansion, working capital, new projects, or growth opportunities that need funding beyond what's currently in place.
Funding Enhancement
Increasing an existing credit facility or funding line — for companies that have outgrown their current limits and need enhanced credit lines to match their growth.
Short-Term to Long-Term Conversion
Converting short-term debt, which carries higher repayment pressure and renewal risk, into long-term structured financing — giving the company breathing room and more predictable repayment.
Interest Rate Optimization
Renegotiating or refinancing existing high-interest debt into lower-interest facilities — directly improving the company's cost of capital and its bottom line.
Take Over, Refinancing and Interest Rate Optimization overlap in practice. A single engagement often involves all three at once — taking a facility over from one bank and refinancing it with another at a better rate is one piece of work, not three.
Fixing what's blocking the approval
A strong business can still get rejected by a bank over a poor credit history or weak paperwork. This pillar is about clearing the path before — or alongside — the actual capital raise.
Resolving CIBIL Issues
Addressing and correcting issues on a company's or promoter's CIBIL report that are blocking loan approvals — working through disputes, corrections and remediation steps with credit bureaus and lenders.
Credit Score Advisory
Broader advisory on building and maintaining a strong credit profile over time — not just fixing a one-time issue, but establishing the credit health needed for future financing.
CMA Preparation
Preparing Credit Monitoring Arrangement data — the detailed financial projections and analysis banks require to evaluate a credit proposal. It is a technical, bank-format-specific document, and getting it right materially affects both approval speed and terms.
Loan Proposal Preparation
Building the complete proposal package — financials, business narrative, projections and supporting documentation — structured the way lenders expect to see it, to maximise approval likelihood and speed.
CMA data is the financial backbone of the loan proposal we prepare, not a separate exercise — the two are built together.
When one lender isn't enough
For larger funding requirements, we structure syndicated loans — bringing together multiple banks or institutions to jointly fund a single company, sharing the risk and the exposure.
Loan Syndication & Consortium Financing
This is where our multi-bank relationships across India, Singapore, Russia and Australia matter most. Consortium deals require coordinating several lenders around one set of terms — which depends entirely on the strength and trust of existing banking relationships, not on how many institutions you can email.
Beyond corporate debt
Retail financing for businesses and promoters — arranged through the same lending network, as a value-added service alongside our corporate mandates.
Company Vehicle Financing
Financing for company-owned vehicles — commercial fleets, executive vehicles or logistics vehicles — arranged through our lending network on favourable terms.
Other Retail Loans
Additional retail lending support for companies and promoters as needed, including property-backed loans and promoter-level financing tied to business needs — arranged case by case through our network.
Growth capital, not venture capital
For companies with the right growth profile, we raise equity capital — connecting founders and management teams with private investors and family offices from our network.
This is not early-stage venture funding. It is growth capital for companies that have already proven their model and are ready to scale — businesses where the constraint is capital, not product-market fit. It is also the right conversation when a balance sheet simply cannot carry more leverage, however attractive the debt terms look.
Relationships, not a mailing list
Built over decades of repeated transactions across India, Singapore, Russia, Australia — and growing.
- 01National and international banks
- 02Institutional lenders
- 03Private family offices
Have a company that’s ready to grow?
If your business has an operating history and a genuine capital need, we’d like to understand it.
- India
- Singapore
- Russia
- Australia
