Structured Multi-Bank Lending
One facility, many lenders, a single point of coordination.
When a project or expansion needs more capital than one bank is willing to underwrite alone, we arrange and coordinate a syndicate of lenders — so you sign one facility agreement instead of negotiating a dozen separate loans.
What It Is
Debt Syndication, Explained
Debt syndication is the process of arranging a loan facility that is jointly funded by a group of lenders — typically banks, NBFCs and financial institutions — under a single common set of terms, coordinated by a lead arranger.
Instead of approaching each bank separately, negotiating separate terms, and managing separate covenants, you work with one arranger — PANCOWINC — who structures the deal, brings in participating lenders, and manages documentation through to disbursement.
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Single facility agreement across multiple lenders
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One negotiating table instead of several
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Shared security and pari-passu charge structuring
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Coordinated disbursement and repayment schedule
Who it's for
Businesses raising project finance, working-capital or term-loan facilities beyond the appetite or exposure limit of a single lender.
What We Arrange
Facility types we structure most often.
Term Loans
Multi-bank term facilities for capital expenditure, plant expansion or acquisition financing.
Working Capital
Syndicated cash-credit and overdraft limits structured across a consortium of lenders.
Project Finance
Long-tenure, multi-lender facilities for infrastructure, manufacturing or real-estate projects.
How It Works
From mandate to disbursement.
A syndication engagement typically moves through five stages — each reviewed with you before moving to the next.
Stage 01
Mandate & Information Memorandum
We review your financials and funding requirement, then prepare an Information Memorandum (IM) summarising the credit for prospective lenders.
Stage 02
Lender Identification
We approach banks, NBFCs and institutions from our network whose risk appetite and sector focus match your requirement.
Stage 03
Term Sheet Negotiation
Interested lenders issue indicative terms; we negotiate pricing, covenants and security on your behalf to arrive at a common term sheet.
Stage 04
Documentation
A common loan agreement, security documents and inter-creditor agreement are drafted and circulated for execution by all parties.
Stage 05
Disbursement
Once conditions precedent are satisfied, participating lenders disburse in proportion to their agreed share of the facility.
Why Syndicate Through Us
One arranger, a wide lender base.
Single Point of Contact
You deal with one team throughout — not a different relationship manager at every bank.
Broader Lender Access
Our network of banks, NBFCs and credit unions widens your pool of potential participants.
Negotiating Leverage
A well-structured, multi-lender deal often secures better pricing and covenants than a single bilateral loan.
Raising capital beyond a single bank's limit?
Tell us about the facility you need and we'll assess whether a syndicated structure is the right fit.