Refinancing Loan via Merchant Cash Advance Credit Case Study
Budget: ₹1,500 – ₹12,500 INR
I have a case study that weighs whether a small-to-mid-sized U.S. retailer should receive a refinancing loan via Merchant Cash Advance. I need an experienced credit analyst who already understands the nuances of retail lending in the United States to dig into the numbers and the narrative and deliver a clear “approve or decline” recommendation with supporting rationale.
Your analysis must cover the strategic rationale, industry overview, company’s fundamental strengths, cash flow analysis, collateral analysis, the primary risks and practical mitigants, the credibility of management’s financial projections, and the soundness of the proposed loan structure. I also want you to frame your conclusions against relevant macro and micro retail-industry trends so the decision is grounded in today’s market realities.
Deliverables I expect:
• A concise written report (Word file) that walks through your findings and final recommendation (maximum three pages)
• Any supporting schedules or models you build (Excel preferred) so I can trace the logic and stress-test the assumptions
If you have prior bank, private credit, or rating-agency experience with U.S. retail borrowers, that will be a strong fit. Let me know how quickly you can turn around the first draft once you receive the data pack, and please share a brief example of a similar deal memo or credit write-up (with confidential details removed).
Your analysis must cover the strategic rationale, industry overview, company’s fundamental strengths, cash flow analysis, collateral analysis, the primary risks and practical mitigants, the credibility of management’s financial projections, and the soundness of the proposed loan structure. I also want you to frame your conclusions against relevant macro and micro retail-industry trends so the decision is grounded in today’s market realities.
Deliverables I expect:
• A concise written report (Word file) that walks through your findings and final recommendation (maximum three pages)
• Any supporting schedules or models you build (Excel preferred) so I can trace the logic and stress-test the assumptions
If you have prior bank, private credit, or rating-agency experience with U.S. retail borrowers, that will be a strong fit. Let me know how quickly you can turn around the first draft once you receive the data pack, and please share a brief example of a similar deal memo or credit write-up (with confidential details removed).