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Every growing business reaches a stage where additional capital becomes essential — expanding capacity, entering new markets, acquiring another business, strengthening working capital, or preparing for future growth. At ACC Rating & Credit Advisors, we help businesses answer the question that inevitably follows — how should this growth be funded — by designing capital structures aligned with their long-term business strategy, financial strength, promoter vision, and future growth plans. Drawing on our experience in Credit Rating Advisory, banking, credit risk assessment, and financial analysis, we help businesses identify the most appropriate source of capital and prepare themselves to access it successfully.
Every business needs capital. The right business needs the right capital strategy.
Our operating philosophyCapital Structure Advisory is often misunderstood as simply deciding the proportion of debt and equity in a business. In reality, it is much broader.
Type of Capital — what type of capital is most suitable for the business.
Quantum — how much capital should be raised.
Timing — when it should be raised.
Capital Provider — which provider is best suited for the business.
Financing Terms — what terms should be negotiated.
Financial Flexibility — how the structure affects cash flows and future borrowing capacity.
Credit Profile — how today's financing decisions shape tomorrow's credit profile.
Over the last decade, the financing ecosystem for Indian businesses has evolved significantly. Companies today have access to a wide range of funding avenues — each carrying its own pricing, repayment structure, ownership implications, covenants, and long-term consequences.
Choosing the right capital has therefore become just as important as raising capital itself.
Unlike advisors who focus only on arranging finance, we begin by understanding the business itself. Over two decades of working with banks, financial institutions, credit rating agencies, and businesses across diverse industries shapes how we evaluate every engagement.
Financial Position — the company's current financial strength and standing.
Industry Dynamics — the sector's structure, cycles, and competitive intensity.
Business Model — how the company creates and sustains value.
Repayment Capacity — the ability to comfortably service future obligations.
Future Growth Plans — expansion, acquisitions, or diversification on the horizon.
Promoter Objectives — ownership, control, and risk preferences.
Long-Term Vision — the strategic direction the business is building towards.
The ideal capital structure for a family-owned manufacturing company may be completely different from that of a rapidly growing technology business — because promoters have different long-term objectives.
Our approach: We favour debt financing that preserves control while meeting funding needs.
Our approach: We explore strategic investors or private equity partnerships suited to that pace.
Our approach: We build financial discipline, governance, and capital structure towards investor readiness.
Our approach: We focus on enhancing borrowing capacity and long-term lender confidence.
Capital strategy must always follow business strategy — we first understand the promoter's vision, and only then advise on the most appropriate structure.
Identifying the right source of capital is only the first step. Many businesses approach banks, investors, or financial institutions without adequately preparing their financial information, business plan, governance framework, or growth strategy — and even fundamentally strong businesses can struggle to obtain funding on favourable terms as a result. We work closely with management to strengthen the quality of financial information, identify potential concerns in advance, improve analytical presentations, and ensure the business proposition is communicated effectively — whatever the capital provider.
Support through every stage of your capital planning journey.
Reviewing the existing structure to determine whether it supports current operations and future growth.
Evaluating borrowing capacity through cash flows, leverage, debt servicing capability and liquidity.
Advising on banking relationships, financing structures, facility mix and lender expectations.
Assessing operating cycles, inventory and receivables to optimise funding efficiency.
Determining the most appropriate funding strategy for expansion, acquisitions or capacity enhancement.
Strengthening financial reporting, governance and business presentation for institutional investment.
Improving financial discipline, governance and capital structure for future public market opportunities.
Developing the financial presentations and analytical material lenders and investors expect.
Where specialised transaction execution is required, ACC works alongside experienced strategic associates — while continuing to serve as your trusted advisor throughout the process.
Credit Rating Advisory remains our core area of expertise, and it gives us a unique perspective while advising on capital structure. We assess every financing decision not only from the perspective of raising capital, but also from the perspective of how that decision may influence the company's credit profile, borrowing capacity, financial flexibility, and long-term credibility — an integrated approach that helps businesses make financing decisions supporting both immediate needs and future growth aspirations.
Our recommendations are guided by years of experience across:
Rather than recommending standard financing solutions, we develop customised capital strategies — every recommendation is tailored, because every business is different.
Our primary role is to advise on capital strategy, funding readiness, and capital structure. Where execution support is required, we coordinate with experienced banking, legal, and transaction professionals while continuing to advise you throughout.
Yes. We evaluate your financial profile, cash flows, growth objectives, ownership preferences, and long-term strategy before recommending the most appropriate capital mix.
Early planning lets you identify the most suitable source of capital, strengthen your financial proposition, address potential concerns, and approach capital providers with greater confidence and preparedness.
No. Businesses at every stage of growth can benefit — whether planning expansion, seeking institutional funding, improving banking relationships, or preparing for future investment.
The success of a financing proposal depends on much more than obtaining funds — it depends on choosing the right source of capital, structuring it appropriately, negotiating commercially viable terms, and ensuring the business is fully prepared before approaching capital providers. Because the right capital structure doesn't just finance growth — it strengthens the future of your business.
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