You're being offered a product. You needed a structure.
Every institution pitches whatever product it is pushing that quarter. You end up comparing incompatible offers — different tenors, hidden charges, covenants buried on page nine.
Where most of these mandates start.
Every institution pitches whatever product it is pushing that quarter. You end up comparing incompatible offers — different tenors, hidden charges, covenants buried on page nine.
Accepting the wrong structure is expensive for years: mismatched repayment against cash flow, over-collateralisation, and covenants that block the next raise.
How capital providers actually assess this.
Borrowing well starts from the cash-flow profile, not from the product menu. Capex funded on a working-capital line, or a seasonal cycle funded on flat EMIs, creates stress that no amount of rate negotiation fixes.
Independent advisory changes the dynamic: the structure is defined first, then multiple providers compete against that specification — which moves pricing and covenants far more than negotiating a single offer.
The parameters this is assessed against.
- Ticket size
- ₹5 Cr – ₹500+ Cr
- Entity
- Company, LLP or partnership with audited financials
- Vintage
- Two to three years of operating history
- Security
- Collateralised, cash-flow-backed or hybrid structures
- Timeline
- 6–12 weeks depending on structure
What has to be on the table.
- Audited financials for the last three years plus latest provisional numbers
- GST returns and bank statements for the last 12 months
- Company profile, shareholding pattern and group structure
- KYC of the entity, promoters and directors
- CMA data — historical and projected fund flow, ratios and working-capital assessment
- Existing facility sanction letters, repayment track and security details
- Schedule of collateral with valuation and title documents
We understand the capital requirement, structure the transaction and take it to the right capital providers.
Understand the requirement
Purpose, quantum and repayment capacity mapped to the actual cash-flow cycle of the business.
Structure the transaction
Select instrument and tenor, size the facility, define the security package and set covenant headroom that leaves room to grow.
Take it to the right capital providers
A parallel approach to matched lenders and credit funds on one specification, so offers are genuinely comparable.
Term sheets, negotiation and closure
We run competing term sheets side by side, negotiate pricing, covenants and security, manage diligence, and stay on the mandate through documentation and disbursement.
Answers before the first call.
Why use an advisor instead of approaching lenders directly?
An advisor defines the structure first and creates a competitive process, which typically produces better pricing, cleaner covenants and a faster close than negotiating one offer at a time.
What is the difference between a term loan and working-capital funding?
Term loans fund assets and capex over a fixed tenor with scheduled repayment; working-capital limits fund the operating cycle — inventory, receivables and creditors — and revolve with the business.
Can existing borrowings be restructured or refinanced?
Yes. Refinancing to lower cost, extend tenor or release over-pledged collateral is a common mandate, provided repayment conduct has been regular.
Share the requirement. We will tell you candidly whether it is fundable, and how.
Senior-led review under a mutual NCND. No retainer — engagement is success-linked. Prefer a detailed brief? Use the full funding requirement form.