creditappraisal.in is a financial advisory firm specializing in corporate loan facilitation, primarily serving Micro, Small and Medium Enterprises (MSMEs) seeking credit from banks and financial institutions. The firm acts as a bridge between borrowing businesses and lenders, ensuring that loan applications are professionally structured, financially sound, and well-presented to maximize the probability of sanction.
Started in 2014, the firm has so far served more than 250 clients who have availed limits from various banks including erstwhile Andhra Bank (present Union Bank of India), State Bank of India, Canara Bank, ICICI Bank, Punjab National Bank, etc. The firm caters primarily to clients based in Visakhapatnam but has also assisted a few consortium projects in Hyderabad.
The firm’s core expertise lies in preparing comprehensive credit appraisal documentation, which includes compilation and analysis of balance sheets, preparation of Credit Monitoring Arrangement (CMA) data and financial projections, working capital assessment and computation of drawing power, and justification reports for new credit limits or enhancement of existing ones. Beyond documentation, creditappraisal.in also conducts industry-level analysis and credit risk assessments to contextualize a client’s financial position within their sector, and performs detailed financial ratio analysis to evaluate liquidity, profitability, leverage, and debt servicing capacity.
A distinctive aspect of the firm’s advisory role is its guidance to clients on operational discipline within sanctioned accounts — advising businesses on routing of sales through bank accounts, maintaining adequate stock and debtor levels relative to drawing power, and ensuring that day-to-day banking conduct does not attract adverse observations during bank monitoring or renewal reviews. This end-to-end support — from application preparation to post-sanction account management advice — made the firm a trusted partner for companies navigating the complexities of institutional credit.
Some of our past clients include:
Alpine Panels
Coastal Engineering
Gayathri Automobiles
Geethika Enterprises
Kiron Machine Tools
Lacuna Engineering
Madhavi Ag-Pet
Maxworth Ply Woods
PVR Enterprises
Prathyusha Chemicals and Fertilisers
Radha Kameswari Print and Pack
Sardar Brick Industry
Shree Vijaya Lakshmi Jute Mills
Simhagiri Paper Mills
Sri Lakshmi Godavari Spinning Mills
Sri Lakshmi Srinivasa Jute Twine Mills
Supthamahalakshmi Steels
Truwoods
We also provide training to financial analysts in the field of balance sheet analysis and credit appraisal. Our book “Balance sheet analysis and credit appraisal for bankers” is a popular book on credit appraisal used by bankers, chartered accountants and bank training colleges such as SBI.
Sandeep Maddu – Credit Consultant & Founder, creditappraisal.in
With over two decades of experience spanning banking, financial analysis, and data science, I founded creditappraisal.in to bring rigorous, bank-grade credit assessment to MSME firms across Visakhapatnam. What started as a practice built on the inside workings of credit departments at Andhra Bank and ICICI Bank has grown into a consultancy that has helped 70+ businesses secure the funding they need to grow.
My work sits at the intersection of traditional credit expertise and modern analytics. I don’t just evaluate financials — I model them, stress-test them, and present them in a language that lenders understand.
If you are an MSME business owner looking for expert credit preparation — from CMA data and financial projections to loan documentation — I’d be glad to help. Get in touch.
creditappraisal.in 