Our Credit
Assessment Process
Our team of credit risk professionals conducts stringent due diligence and rigorous credit evaluation to curate quality opportunities for investors. 
3 critical levers for credit evaluation
Pre-sanction Credit Risk Assessment
Deal Structuring
Post Sanction Monitoring
Step 1: Evaluation Phase
Pre-sanction Credit Risk Assessment
Assessing Credibility
Assessing Credibility
  • Assessment of management credibility
  • Adherence to legal, regulatory and statutory guidelines
  • Review of past conduct with lenders
  • Third-party verification
  • Corporate governance concerns
Business Model Validation
Business Model Validation

Key factors analysed:

  • Product and market evaluation
  • Competitive analysis
  • Financial metrics and margins
  • Business risks
Ability to Repay on Time
Ability to Repay on Time
  • Sensitivity analysis and stress test of operating cash flows
  • Ability to infuse and raise money
  • Verification of cash reserves for working capital needs, debt obligations and equity fund flows
Step 2: Risk Identification and Mitigation Phase
Deal Structuring
Few covenant examples that altGraaf may require borrowers to follow
Restrictions on repayment of other loans or corporate guarantees, until repaid to altGraaf.
Maintaining certain parameters such as revenue, costs, EBITDA, cash burn etc.
Adherence to sufficient funds in reserve account for servicing debt
Restrictions on change in capital structure/management, shareholding pattern, etc.
Preserving credit rating of the company and maintaining pre-determined debt-equity ratio
No fundamental change to company such as Name, Registered Office, Authorised Capital
Step 3: Early Stress Identification Phase
Post Sanction Monitoring
We periodically engage with the counterparty to assess their financial health, monitor covenants, and identify any early stress signals to take pre-emptive corrective actions.

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altGraaf, Clayworks-371, 1st Cross Rd, 3rd Block, Santhosapuram, Koramangala, Bengaluru, Karnataka 560034
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