We provide Credit Rating Advisory services to MSMEs and Corporates seeking credit rating for their loans and bonds, either for the first time or where already rated, want to get the same improved or repaired. We provide insights into the rating process, criteria, information requirements, etc. Many a times, an MSME or a Corporate, on account of inadequate understanding about credit rating and its criteria, end up submitting information and documents that are insufficient, resulting into undesired credit rating. The long experience and expertise of the partners in the area of credit rating, positions them to suitably advise and prepare MSMEs and Corporate clients, towards achieving better credit rating from Credit Rating Agencies.
Explaining applicable rating criteria and preparing entity for credit rating is first milestone in this direction. Articulation of vision and mission statement and right organisational structure are key starting point
Supplying adequate and requisite information and documents are key for approaching a third party credit rating agency. Whole effort here is to remove maximum possible information asymmetry. This step is critical and could have serious implications on rating outcome.
Communication amongst Bank, supplier, customer and credit rating agencies play a critical role in deciding the rating outcome and therefore should be given due importance. Also, the final rating outcome should be used appropriately and communicated right to various stakeholders inter-alia employees, suppliers, lenders and Investors, etc.