Fleet and warehousing tie up capital long before customers pay.
Contracts require fleet, warehousing and technology upfront, while customers settle in 60 to 90 days. Growth consumes cash faster than it produces it.
Where most of these mandates start.
Contracts require fleet, warehousing and technology upfront, while customers settle in 60 to 90 days. Growth consumes cash faster than it produces it.
Lenders see an asset-light or lease-heavy balance sheet and struggle to size a facility against contracts they can't easily value.
How capital providers actually assess this.
Logistics credit works best when it follows the contract: long-term customer agreements support receivable-backed structures, while owned fleet and warehousing support asset-backed debt on matched tenors.
Warehousing development is closer to project finance — funded against lease commitments and occupancy — while 3PL operations are funded against receivable quality and customer concentration.
The parameters this is assessed against.
- Ticket size
- ₹5 Cr – ₹250 Cr
- Turnover
- ₹15 Cr and above
- Structures
- Fleet finance, warehouse project debt, receivable-backed lines
- Security
- Fleet hypothecation, warehouse assets, escrow of receipts
- Timeline
- 6–14 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
- Customer contracts with tenor, volumes and payment terms
- Fleet schedule with ownership, age and utilisation data
- Warehouse lease or ownership documents and occupancy detail
- Route or lane profitability analysis where relevant
We understand the capital requirement, structure the transaction and take it to the right capital providers.
Understand the requirement
Separate the contract-driven working-capital gap from the asset-driven capex need — they are funded differently.
Structure the transaction
Asset-backed debt for fleet and warehousing, receivable-backed lines for the operating cycle, and growth capital where network expansion needs equity.
Take it to the right capital providers
Institutional lenders, asset financiers, private credit funds and infrastructure investors active in logistics and warehousing.
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.
How are logistics companies funded in India?
Through a mix of asset-backed debt for fleet and warehousing, receivable-backed working-capital lines against customer contracts, and equity or structured capital for network expansion.
Can warehousing development be project financed?
Yes. Warehouse projects are typically funded against lease commitments, occupancy projections and the underlying land and building security.
What if the business is asset-light?
Then funding follows the contracts — receivable-backed and cash-flow-based structures rather than collateral-driven term debt.
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.