₹100–300 Cr
Real estate construction
Maharashtra
Mandate-led corporate finance · since 2011. We don’t market loans.
We don’t market loans.
We close mandates.
Senior-led debt advisory for India’s mid-market — structured by Chartered Accountants and ex-bankers, and syndicated across every major lender.
Partner-led on every file NDAs standard, not a request
Syndicated across a live lender network
PSU banks Private banks NBFCs HFCs Category-II AIFs
₹4,250 Cr+
Total funding facilitated
Since 2011
100+
Mandates delivered
Across 8+ sectors
15+ yrs
Industry experience
Senior-led execution
97%
Success rate
On admitted cases
₹550 Cr
Largest single facility structured Rating coverage
We work across every SEBI-registered credit rating agency — so the rating strategy fits the lender, not the other way round.
CRISILICRACAREIndia RatingsAcuitéBrickworkInfomerics
Services
What we do
Eight focused mandates, run end-to-end by the same senior team. Most clients start with one and stay for the rest.
Debt Syndication & Corporate Finance
Term loans, working capital and structured facilities arranged across banks and NBFCs at terms that actually clear credit committee.
Real Estate Project Funding
Construction finance, LRD and structured debt for developers and contractors — sized to your cash-flow waterfall, not a template.
Supply Chain Finance
Unlock working capital trapped in receivables and payables across your vendor and dealer network.
Insurance & Surety Bonds
Surety bonds and project insurance that free up the bank guarantee limits your contracts are tying down.
Loan Against Property
Raise capital against commercial or residential property at competitive terms, structured for your repayment capacity.
Lease Rental Discounting
Turn a stable rental income stream into upfront capital, with the lender matched to your tenancy profile.
Virtual CFO Services
A Chartered Accountant-led finance function on tap — MIS, cash flow, lender reporting and board-ready numbers, without a full-time hire.
Credit Rating Advisory
We prepare the rating story, model the numbers and manage the agency process to defend — or upgrade — your rating.
Why Finnova
Why promoters and CFOs work with us
Senior-led and bank-network deep. Every mandate runs on fixed accountability — one point of contact from kickoff to disbursement, and the discipline to walk away from cases we can’t structure honestly.
01
Led by Chartered Accountants, not relationship managers
Every mandate is run by qualified CAs who read your balance sheet the way a credit committee will — and fix the weak spots before a lender sees them.
02
Relationships across lenders and all 7 rating agencies
Fifteen years of working with banks, NBFCs and every SEBI-registered CRA means we know which desk says yes to your profile — and how to position the file.
03
End-to-end, from structuring to disbursement
We don't hand you a term sheet and disappear. We model, pitch, negotiate covenants and stay in the room until the money hits the account.
04
Confidential by default
Promoter financials, deal terms and rating discussions stay between us. NDAs are standard, not a special request.
05
Senior people on every file
You deal with the partner who advised the last ₹550 Cr facility, not a junior learning on your deal.
06
A straight read — even when it’s no
If a deal isn’t bankable, we’ll tell you on day one and point you to where it might work. We only take mandates we believe we can close.
Sectors
Industries we know inside out
Across 8+ sectors since 2011 — we’ve sat across the table from the credit committees that fund them, so we know how each one is underwritten.
Sugar, Ethanol & Power
Project finance and working capital for integrated mills and bio-energy plants.
Real Estate & Construction
Land, TDR, premium and construction finance across the full project lifecycle.
Infrastructure & EPC
Surety bonds, performance guarantees and fund-based limits for contractors.
Manufacturing & Engineering
Term loans, capex lines and structured debt for plant and capacity expansion.
FMCG & Agri-processing
Working capital, supply chain finance and distributor / dealer funding.
Mining & Minerals
Equipment finance and working capital for extraction and processing.
Auto & Auto-components
Anchor-led supply chain finance for OEM and Tier-1 vendor ecosystems.
Logistics & Warehousing
Lease rental discounting and asset-backed funding for built warehouse space.
Process
How an engagement runs
A clear, four-stage path from first call to disbursement — with senior people on the file at every stage.
1
Discovery call
We understand what you're raising, your timeline and where the file stands today. No cost, no obligation.
2
Assessment & structure
We review the numbers, identify what lenders or rating agencies will flag, and design the right structure.
3
Go to market
We approach the right lenders or agency, manage the process and negotiate terms on your behalf.
4
Close & support
We drive the deal to disbursement and stay on for documentation, drawdown and beyond.
Track record
Deals we've structured
Selected closures across our practices. Client identities are protected under NDA; figures shown as ranges. Each range below is a real engagement.
₹50–200 Cr
Sugar / ethanol project finance
India
₹50–150 Cr
Working capital + Bank Guarantee
Mid-market
₹25–100 Cr
Supply chain + equipment finance
Pan-India
Recent mandates · under NDA, consent-based. See all case studies →
Testimonials
What clients say
Finnova Advisory played a pivotal role in securing financial closure for our integrated Sugar, Ethanol, and Power project. Their expertise and dedication ensured a smooth and efficient process.
Outcome: mandate structured and walked to close
Multi-lender
closures structured to clear credit committee
End-to-end
from structuring to disbursement — senior-led
Confidential
NDAs standard, so your numbers stay private
Sectors we’ve closed in Sugar & EthanolReal EstateFMCG PowerMiningInfrastructure
Regulatory Watch · updated June 2026
What just changed in your funding rules
The RBI, IRDAI and Government moves that affect how you raise capital — tracked, dated and decoded. The advisory read, not reposted circulars.
New Govt · NCGTC
ECLGS 5.0 — ₹2.55 lakh cr of collateral-free, 100%-guaranteed MSME credit
If your accounts were standard on 31 Mar 2026, you may qualify for a no-collateral working-capital top-up — nil guarantee fee, open till 31 Mar 2027. Read what it means → RBI · eff. 1 Jul 2026Banks can now finance acquisitions & buyouts
Eligible large acquirers can fund M&A with bank debt for the first time. Read → IRDAI · GFRSurety bonds, at par with bank guarantees
Replace BG margin with a surety bond and free the cash to bid the next tender. Read → Resources
From our desk
Practical notes on raising capital, ratings and running a tighter finance function — written by the team that does the deals.
Consultation
Tell us what you're raising
One conversation tells you whether the deal is bankable, what it should cost, and how fast it can close. No pitch — just a straight read from people who structure these deals every week.
Thank you — your enquiry has been submitted
We’ve received your details. A senior member of our team will review them and get back to you within one business day. Everything you’ve shared stays strictly confidential.
FAQ
Frequently asked questions
A corporate finance advisor helps a business raise and structure capital — arranging debt, managing credit ratings, negotiating terms with lenders and structuring deals so they clear credit committee. At Finnova, that work is led by Chartered Accountants from first call to disbursement.
Mostly SME promoters and mid-market corporates — typically businesses raising from a few crore up to a few hundred crore. Our largest single facility to date is ₹550 Cr.
A fresh rating usually takes four to six weeks once financials and the rating story are ready. The bulk of the time is preparation — which is where advisory makes the difference between a defensible rating and an avoidable downgrade.
Yes. We advise across all seven SEBI-registered agencies — CRISIL, ICRA, CARE, India Ratings, Acuité, Brickwork and Infomerics — and match the agency to your lender’s preference and your sector.
A virtual CFO gives you senior, CA-led financial leadership — MIS, cash flow, lender reporting, board numbers — without the cost of a full-time executive. It suits growing companies that need the expertise but not yet the headcount.
It depends on the mandate — some are success-fee based, some retainer, some a mix. We agree the structure upfront in writing before any work begins. The first consultation is free.