Mandate-led debt advisory since 2011 — ₹4,250+ crore arranged across PSU banks, private banks, NBFCs and AIFs for mid-market corporates.
Pune & Mumbai-based. Corporate finance and debt syndication consultants serving promoters and CFOs across Maharashtra, Delhi NCR, Bengaluru, Hyderabad and pan-India.
Corporate finance spans the full debt stack an operating business needs — fund-based facilities such as term loans, working capital and project finance, and non-fund-based limits such as Letters of Credit and Bank Guarantees. Beyond plain-vanilla bank debt, it extends into structured credit, ECBs and mezzanine / AIF capital. Getting it right means matching product, lender type and documentation to the business's cash-flow profile, collateral and stage.
Rate, turnaround and flexibility vary sharply across lender categories. We steer mandates to the category that fits — not just the one with the easiest hello.
| Lender | Tenor | Indicative Rate | Turnaround | Product Coverage | Regulator | Flexibility |
|---|---|---|---|---|---|---|
| Private Bank | Up to 10 yrs | 9–12% | 3–5 weeks | Full product suite | RBI | High |
| PSU Bank | Up to 15 yrs | 8.5–11% | 6–10 weeks | Full product suite incl. infra | RBI | Process-heavy |
| NBFC | Up to 7 yrs | 10–14% | 2–4 weeks | Term loans, LAP, structured | RBI | Very high |
| AIF / Credit Fund | 3–6 yrs | 13–18% | 4–6 weeks | Structured, mezzanine, acquisition | SEBI | Bespoke structures |
Indicative — varies by lender, borrower profile, collateral and prevailing market rates.
Long-tenor capex and project funding from banks and NBFCs with tailored moratorium and repayment schedules.
Cash-credit and overdraft limits sized off CMA, drawing-power discipline and assessed working-capital gap.
Greenfield and brownfield project debt with structured disbursement, DSRA and escrow mechanics.
Inland and foreign Letters of Credit and Bank Guarantees — bid, performance, advance and retention.
Mezzanine, acquisition, holdco and event-linked facilities structured through banks, NBFCs and credit funds.
External Commercial Borrowings and foreign-currency lines under RBI's automatic and approval routes.
Promoter-level funding against listed / unlisted shares and bespoke collateral structures.
Subordinated and quasi-equity capital from credit AIFs and structured-debt funds.
Lender shortlisting — we lead with the right-fit lender, not a blanket mass application.
Term sheet negotiation — rate, tenor, covenants and security pushed hard before sanction.
Sanction-grade docs — CMA, projections and board papers built to withstand credit committee.
Syndication for large ticket — multi-bank consortium build-outs with lead-bank coordination.
Post-sanction follow-through — documentation, pre-disbursement conditions and first drawdown.
Refinance optimisation — interest-cost and tenor optimisation on existing facilities.
Audited financials — last 3 years
Provisional financials — current year
GST returns — last 12 months
CMA data and financial projections
Project report (for greenfield / expansion)
KYC, MOA, AOA and incorporation documents
Existing sanction letters and facility schedules
Banker statements — last 12 months
Indicative — varies by lender and product.
Financial review, gap assessment and credit-worthiness indication.
Right-fit banks and NBFCs matched to ticket, sector and risk profile.
CMA, projections and credit note submitted to shortlisted lenders.
Credit committee interaction, term sheet negotiation and sanction letter.
Security documentation, CP compliance and first drawdown.
We focus on mid-market corporate finance mandates of ₹10 crore and above. For smaller tickets we're happy to recommend specialised channel partners — our infrastructure, credit committee work and syndication bandwidth are most useful above that threshold.
Working-capital enhancements for clean cases close in 4–6 weeks. Fresh term loans typically run 8–12 weeks, and structured project finance or syndicated facilities can take 12–20 weeks depending on complexity, consortium size and regulatory clearances.
Lender selection is driven by sector fit, ticket size, tenor, collateral profile and existing banking relationships. We maintain active coverage across PSU banks, private banks, NBFCs and AIFs and match the right-fit lender before any mass-market outreach.
Mandate-based. Typically a retainer component during diligence and pack preparation, plus a success fee on disbursement expressed as a percentage of sanctioned amount. Exact economics are agreed in writing before work begins.
We selectively take on restructuring, OTS and refinance mandates where the underlying business case is sound. Each case is pre-assessed before mandate; we will not take on files where the credit case cannot be reasonably made to a lender.
We are cautious on speculative real-estate, gambling, tobacco, and businesses under active regulatory investigation. Every mandate passes an internal credit and compliance screen before we engage lenders.
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Email: finance@finnovaadvisory.com