Managing EPC and CC Limits: A Guide to Separate Accounts and Utilization Tracking Vinu: Manu, I have a case where the applicant has EPC (Export Packing Credit) as the main limit and CC (Cash Credit) as a sublimit. I’m wondering, will he have separate accounts for EPC and CC, or will it all be under ...
Evaluating Loan Requests for Business Transitions: From Proprietorship to Partnership Vinu: Manu, there’s a business that was originally a proprietorship, but it has recently transformed into a partnership. The new firm is seeking a loan, and the new partner is offering his own asset as collateral. ...
Key Conditions for Funding a Future Commercial Property Purchase: A Conversation Between Manu and Vinu Vinu: Hey Manu, I’ve got a client who’s planning to purchase a commercial property in the future. They haven’t finalized anything yet but have budgeted the amount. They’ll be funding 75% of it thro...
Key Considerations for Financing Warehouse Construction: A Conversation Between Manu and Vinu Vinu: Hey Manu, I’m working on a case where a client wants to finance the construction of a warehouse. What are the key areas we should be looking into? Manu: That’s a complex project, Vinu. Start with a fe...
Understanding Project Life Coverage Ratio and Project Life: A Conversation Between Manu and Vinu Vinu: Hey Manu, I’ve been hearing about the Project Life Coverage Ratio (PLCR) lately. Can you explain how to calculate it? Manu: Sure, Vinu. The PLCR is a key metric in project finance that helps measur...