- info@accratings.com
Specialists in Credit Rating Advisory. Trusted advisors in credit and capital strategy, helping businesses access capital with clarity, confidence, and the right strategy.
A strong credit profile is one of the most valuable assets a business can build — this belief is the cornerstone of our firm.
Every business with ambitions to grow eventually reaches a stage where access to capital becomes a strategic necessity — whether expanding operations, increasing working capital, funding new projects, entering new markets, or attracting investors. That access depends significantly on one factor: the strength of the company's credit profile.
Established in 2013, ACC was founded to provide businesses with strategic, independent, and professional guidance through the increasingly complex world of credit ratings, lender expectations, and financial credibility. Over the years, we have advised companies across diverse industries and geographies, helping them prepare for credit rating assignments, strengthen their credit profiles, and develop long-term strategies for maintaining financial standing.
The Right Credit Rating Begins with the Right Strategy.
Our founding philosophyTwo ways of seeing the same problem — and why we built ACC around the second one.
Many businesses with fundamentally sound operations were unable to present their strengths effectively before credit rating agencies and lenders — often entering the process with unrealistic expectations, incomplete preparation, or without a clear understanding of what the rating should achieve. The challenge was rarely the business itself; more often it was the absence of a well-defined credit rating strategy.
Rather than treating a credit rating as a documentation exercise, we help businesses approach it as a strategic financial initiative — one that begins long before the rating mandate is signed and continues well beyond the rating assignment.
Before discussing rating agencies, documentation, or financial submissions, we ask five fundamental questions.
These questions shape every engagement from day one.
Why does the company require a credit rating?
Who will rely on the rating?
What financing objective should it support?
What minimum rating category is required?
How does the current credit profile compare with that category's expectations?
Three perspectives, one analytical lens.
ACC is led by CA Jignesh Vadera, whose professional journey spans nearly two decades across credit risk assessment, banking, and credit rating advisory. His experience is unique because it combines three perspectives — how businesses present themselves, how banks evaluate credit proposals, and how credit rating agencies analyse risk — enabling ACC to evaluate every engagement through the same analytical lens that lenders and rating agencies are likely to apply.
Two strengths that reinforce each other.
Not one of our services — it is our core area of expertise. From evaluating the purpose of the rating and identifying the appropriate rating category to preparing management for analytical discussions and supporting surveillance reviews, we provide end-to-end advisory across the complete credit rating lifecycle.
Our background in commercial banking and credit appraisal helps us understand how financial institutions evaluate borrowers, assess repayment capacity, and identify credit risks — letting us evaluate a business the way a credit committee is likely to.
A strong credit rating is often the starting point of a company's financing journey, not the destination. Our advisory extends to:
The same problem, approached from the opposite direction.
Five principles behind every engagement.
Objective, ethical, and independent advice that prioritises clients' long-term interests.
Every recommendation backed by analytical rigour and attention to detail.
Every financial decision begins with a clearly defined objective.
Long-term advisors supporting clients through every stage of growth.
Helping clients strengthen their credit profile as needs evolve.
Choosing a Credit Rating Advisor is about more than technical knowledge — it is about choosing a partner who understands how businesses are evaluated by those who provide capital. Clients value our ability to identify risks before they become challenges and develop practical strategies aligned with their objectives. Our advice is grounded in experience, not assumptions.
Our vision is to become the trusted advisor businesses turn to whenever they need to strengthen their credit profile, navigate the rating process, or make important capital structure decisions — helping them access capital with clarity, confidence, and the right strategy.
