Term loans & capex finance
Funding plant, machinery and expansion — repaid over years against a fixed schedule, on the lender (PSU/private/NBFC) that prices the tenor best. See term loan vs working capital.
The right lender, on the right terms — across the NCR.
Corporate Finance & Debt Advisory in Delhi NCR
Mandate-led, lender-agnostic debt advisory for mid-market borrowers across Gurugram, Noida, Delhi and Faridabad. We don’t mass-apply your file across ten banks — we close mandates: the full debt stack structured, mapped to the right PSU bank, private bank, NBFC or SEBI AIF, negotiated and walked through to disbursement. Ex-banker plus CA depth, senior on every file. Part of Finnova’s ₹4,250 Cr+ mobilised across 100+ corporate-finance mandates since 2011. See the full corporate finance & debt syndication practice.
Lender-agnostic Remote-first + on-site days Gurugram · Noida · Delhi · Faridabad
Finnova’s corporate-finance track record since 2011, in numbers
₹4,250 Cr+
Capital mobilised across sectors₹550 Cr
Largest single facility structured100+
Corporate-finance mandates closed4
Lender pools — PSU · Pvt · NBFC · AIFSince 2011
CA / ex-banker, senior on every fileCorporate finance and debt syndication is the work of structuring a borrower’s debt requirement — a term loan for capex, a working-capital limit for the operating cycle, structured or acquisition credit, or non-fund-based limits (LC and BG) — and then arranging it with the lender most likely to sanction it on the best terms. For Delhi NCR mid-market borrowers across Gurugram, Noida, Delhi and Faridabad, the choice is rarely one bank: it’s a fit across PSU banks, private banks, NBFCs and SEBI AIFs. We are lender-agnostic and mandate-led — we don’t mass-apply, we close.
Finnova Advisory is an advisory firm — we structure the file, the limits and the terms and negotiate; the lender sanctions, prices and disburses. Rate bands quoted here are indicative (Jun 2026), date-stamped, and never a promise. Our offices are in Mumbai and Pune; Delhi NCR is served remote-first with scheduled on-site days.
On the ground in the NCR
Built around how NCR companies actually borrow
Delhi NCR is not one borrowing market — it’s several. A deep corporate and services base in Gurugram (Cyber City, Golf Course Road, Udyog Vihar) leans on working-capital and structured lines; fast-growing manufacturing and D2C in Noida and Greater Noida need capex term loans and limit enhancements; established trading and distribution across Delhi turns on cash credit and LC limits; and the serious manufacturing belt around Faridabad and Manesar runs on term debt, working capital and non-fund-based BG/LC lines for its order books.
Each of those needs a different lender and a different file. A PSU bank prices a long capex tenor best; a private bank moves faster on structured working capital; an NBFC takes the case a bank passed on; a SEBI AIF funds the mezzanine or buyout layer a bank can’t. Our job is to read your file once, then take it to the lender most likely to sanction it on the right terms — delivered remotely with planned on-site days across the NCR. We don’t mass-apply; we close mandates.
Lender-fit, mapped
PSU bank vs private bank vs NBFC vs AIF — where each wins
The same NCR mandate prices and clears very differently across the four lender pools. Here are the indicative bands (dated Jun 2026) and what each pool is genuinely best at.
| Lender pool | Class | Indicative rate | Max tenor | Typical TAT | Best for |
|---|---|---|---|---|---|
| LenderPSU banks | ClassFund-based | Indicative rate~8.5–11% | Max tenorup to ~15 yrs | Typical TAT~6–10 weeks | Best forLowest cost; large term loans, consortium working capital, long capex tenors |
| LenderPrivate banks | ClassFund-based | Indicative rate~9–12% | Max tenorup to ~10 yrs | Typical TAT~3–5 weeks | Best forFaster sanction, structured working capital, transaction banking depth |
| LenderNBFCs | ClassFund-based | Indicative rate~10–14% | Max tenorup to ~7 yrs | Typical TAT~2–4 weeks | Best forSpeed and flexibility, LAP/LRD, cases banks pass on, sub-threshold buyouts |
| LenderSEBI AIFs / credit funds | ClassStructured | Indicative rate~13–18% IRR | Max tenor~3–6 yrs | Typical TAT~4–6 weeks | Best forMezzanine, acquisition/promoter funding, structured & special situations |
Bands are indicative and dated Jun 2026 — never a promise; the lender sanctions and prices each file on its merits. The AIF figure is an IRR / return, not a posted loan rate. Note the rate regime: EBLR (external benchmark, repo-linked) is mandatory only for retail and MSE/MSME floating loans since 1 Oct 2019 — most corporate facilities are on MCLR (SBI MCLR ~7.9–8.85%, repo 5.25%, indicative Jun 2026). For the full breakdown read PSU bank vs NBFC vs AIF debt.
The full debt stack, under one roof
Every facility an NCR borrower needs — fund and non-fund
From the term loan that builds the plant to the bank guarantee that wins the tender, we structure and syndicate the whole stack — so your limits actually match the business.
Working capital (CC / WC)
Cash credit and overdraft sized by Nayak/turnover (limit = 20% of projected turnover) or the Tandon MPBF method (bank funds 75% of the working-capital gap). Read MPBF Tandon Method I vs II.
Structured & mezzanine credit
When a vanilla bank line won’t fit — SEBI AIFs and credit funds for special situations, mezzanine and growth capital at ~13–18% IRR (indicative). The layer a bank can’t give you.
Partner-buyout & acquisition
From 2026, under RBI’s 2026 amendment, banks may fund eligible large acquisitions (up to 75%, net worth ≥₹500 Cr). Sub-threshold buyouts route via NBFC/AIF, LAP or LRD. See partner-buyout financing.
Letter of credit (LC)
The payment instrument for buyers and importers — UCP 600, sight/usance, inland/foreign, SBLC. In India RBI/FEMA override UCP 600 on conflict. Explore letters of credit.
Bank guarantee (BG)
Bid, performance, advance and retention security — a BG pays on default (an LC pays on compliant documents). We also flag when an insurance surety bond frees your limits. See bank guarantees.
How we close a mandate
From requirement to disbursement — not just to a sanction letter
The mass-application route gets you ten queries and no money. The mandate route gets you one decision-ready file, the right lender and a disbursement. Here’s how we run it.
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Scope & read the file
week 1We fix the requirement — capex term loan, working capital, structured credit, buyout, LC/BG — and read three years of financials before we go near a lender. Remotely, or on-site across the NCR.
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Build the CMA data & IM
week 1–2We package a CMA-data-ready model, projections and an information memorandum that answers the credit committee’s questions before they’re asked. Read CMA report & working-capital limit.
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Map to the right lender
case-dependentWe take the file to the PSU bank, private bank, NBFC or AIF most likely to sanction it on the best terms — lender-agnostic, never one bank’s product, and never a scattergun of ten applications.
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Negotiate, then disburse
to closeWe negotiate rate, tenor, security and covenants, manage sanction conditions and documentation, and stay on the file until the money is disbursed — walked through, not handed off.
Who we work with & what we need to start
Built for Delhi NCR mid-market borrowers
We work with promoter-led businesses, manufacturers, EPC firms and corporates across the NCR — and we know exactly what a decision-ready file needs to survive the credit committee the first time.
Who we work with
Ex-banker + CA led, run from our Mumbai & Pune offices, serving all of Delhi NCR — Gurugram, Noida, Delhi, Faridabad — and pan-India.
What we need to start — file checklist
- 3 years audited financials + provisional & projections
- Existing sanction letters & conduct of limits
- GST returns & bank statements — last 12 months
- Security / collateral details & latest valuations
- KYC of company, promoters & directors; board resolution
- For a buyout / structured deal — the structure & valuation
Indicative — varies by facility and lender. A mutual NDA is executed before diligence begins. See how banks appraise a loan proposal.
Why Finnova for Delhi NCR debt
We don’t mass-apply — we close mandates
A broker blasts your file across ten banks and hopes. We read it once, take it to the lender that should say yes, and walk it through to disbursement.
01
Lender-agnostic, across four pools
PSU banks, private banks, NBFCs and SEBI AIFs — we recommend the lender that fits your file, not the one paying us a slot.
02
Ex-banker + CA depth
We build the file the way a credit committee reads it — because we’ve sat on both sides of the table. That’s why files clear the first time.
03
Walked through to disbursement
We don’t stop at the sanction letter. We manage conditions, documentation and security creation until the money is in your account.
04
Remote-first, on-site when it counts
The file work runs remotely from Mumbai/Pune; we’re on the ground in the NCR for lender meetings, site visits and credit presentations.
Consultation
Tell us the requirement — we’ll tell you the lender
Tell us what you need to fund and we’ll tell you the lender pool that fits, the indicative band, the likely structure and how we’d package the file. No bank pitch — a straight read from ex-bankers who close these every week. Over video, or on-site across the NCR.
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
Corporate finance in Delhi NCR, answered
Yes. We arrange and syndicate the full debt stack for mid-market borrowers across Delhi NCR — Gurugram, Noida, Greater Noida, Delhi and Faridabad/Manesar. We are lender-agnostic across PSU banks, private banks, NBFCs and SEBI-registered AIFs, and we don’t mass-apply — we close mandates: the right lender, on the right terms, walked through to disbursement. Engagements run remotely from our Mumbai/Pune base with scheduled on-site days in the NCR.
Our offices are in Mumbai and Pune; we serve NCR borrowers remote-first with planned on-site days for lender meetings, plant or site visits and credit-committee presentations. The file work — CMA data, financial models, the information memorandum and lender negotiation — is delivered remotely, the way modern corporate-finance mandates already run. You reach us on our Mumbai/Pune lines.
All of them, neutrally — PSU banks (typically ~8.5–11% indicative, Jun 2026), private banks (~9–12%), NBFCs (~10–14%) and SEBI AIFs / credit funds (~13–18% IRR for structured situations). We map your file to the lender most likely to sanction it on the best terms, rather than pushing one bank’s product. Rate bands are indicative and date-stamped — never a promise; the lender sanctions and prices.
From 2026, under RBI’s Commercial Banks – Credit Facilities Amendment Directions, 2026, banks may finance acquisitions for eligible large acquirers — up to 75% of acquisition value, with the acquirer bringing ≥25% own funds, post-acquisition debt-equity ≤3:1 and net worth ≥₹500 Cr (unlisted also need a BBB- or better rating), within capital-market-exposure caps. Sub-threshold mid-market partner buyouts still route via NBFC/AIF structured credit, LAP, LRD or promoter funding.
A term loan funds capex or a one-time need and is repaid on a fixed schedule over years; a working-capital limit (cash credit / overdraft) funds the operating cycle and revolves. Banks size working capital by Nayak/turnover (limit = 20% of projected turnover) or the Tandon MPBF method (the bank funds 75% of the working-capital gap, you fund 25%). We structure both on one sanction so your limits actually match the business.
Typically: three years of audited financials plus a provisional and projections, the latest sanction letters and conduct of existing limits, a CMA-data-ready model, GST and bank statements, KYC and a board resolution, and any security/collateral details. For a buyout or structured facility we add the deal structure and valuation. We build the CMA file and information memorandum from this and take it to lenders.
Indicative timelines, lender-dependent: NBFCs ~2–4 weeks, private banks ~3–5 weeks, PSU banks ~6–10 weeks, AIF/credit funds ~4–6 weeks. Clean, decision-ready files move faster — which is the whole point of how we package a mandate. We can’t promise a date; the lender’s credit process governs. What we control is a file that survives the credit committee the first time.