Structured Finance advisory for the mid-market

We work with promoters at the point where their capital requirements exceed what conventional bank credit can't address

Structured Finance advisory for the mid-market

We work with promoters at the point where their capital requirements exceed what conventional bank credit can't address

Promoter concerns → Our solutions

Existing bank limits are insufficient
Explore additional working capital, refinancing and structured-credit solutions suited to the company’s cash flows.
Short-term bridge capital is required
Evaluate time-bound funding, typically for 3–9 months, against a clearly identified repayment or refinancing event.
Equity dilution is not desirable
Assess debt-led and structured-capital alternatives before considering equity dilution.
Promoter shares are heavily pledged
Explore refinancing or restructuring options that may help reduce the extent of the pledge or enable de-pledging over time.
An acquisition or shareholder transaction has a fixed timeline
Evaluate acquisition finance, bridge-to-close funding and promoter stake-consolidation solutions.
Capital is required ahead of an IPO or liquidity event
Assess interim funding linked to defined milestones and a credible repayment, refinancing or liquidity pathway.
Promoter or family assets are exposed to business borrowing
Where feasible, seek structures that reduce unnecessary reliance on personal guarantees, family assets or promoter-level collateral.

What We Do

Structured Credit
• Cash-flow aligned facilities
• Promoter/HoldCo solutions
• Acquisition and bridge funding
• Convertible and non-convertible debt
Debt & Working Capital
• Working capital lines and top-ups
• Trade/export solutions, receivables programs
• Term loans, equipment finance, refinancing

Our process (simple & private)

Intro call: Fit check, goals, constraints, and a light data checklist
Deep-dive: Review basic numbers and outline possible capital routes
Indicative options (private): Confidential Option Map with categories and ranges; specifics follow review and, if required, NDA

Situations We Solve

Short-Term Bridge Capital

Situation: Immediate capital required for 3–9 months while a receivable, refinancing, asset sale or other liquidity event is expected.
What we evaluate: Bridge funding supported by a clearly defined repayment or refinancing pathway.
Objective: Address the immediate funding gap without creating an unsuitable long-term capital structure.

Working-Capital and Refinancing Gaps

Situation: Existing limits are fully utilised, the cash cycle has lengthened or the current borrowing structure is no longer suitable.
What we evaluate: Additional working capital, receivables-backed funding, refinancing and structured-credit alternatives.
Objective: Improve liquidity and align borrowing with the operating cash cycle.

Growth and Capex Funding

Situation: Capital required for machinery, capacity expansion, plant modernisation or project execution.
What we evaluate: Term debt, equipment finance and other debt-led funding alternatives.
Objective: Fund growth while avoiding unnecessary equity dilution.

Acquisition and M&A Funding

Situation: Funding required to complete an acquisition, shareholder buyout or another time-bound transaction.
What we evaluate: Acquisition finance, bridge-to-close funding and post-acquisition working-capital requirements.
Objective: Complete the transaction without placing excessive pressure on existing operating limits.

Promoter Stake Consolidation

Situation: Promoters intend to acquire shares from an investor, family shareholder, joint-venture partner or another exiting shareholder.
What we evaluate: Financing alternatives based on business cash flows, holding structure, available security and the proposed repayment source.
Objective: Facilitate stake consolidation while preserving the operating company’s financial flexibility.

Promoter Pledge Reduction or De-Pledging

Situation: Promoter shares are pledged against an existing borrowing, creating refinancing pressure or exposure to share-price movements.
What we evaluate: Refinancing, restructuring or replacement of the existing facility to reduce the pledge or achieve partial or complete de-pledging.
Objective: Reduce promoter-level financial risk and improve flexibility, subject to lender requirements and security coverage.

Pre-IPO or Event-Linked Funding

Situation: Interim capital required ahead of an IPO, strategic investment, business sale or another defined liquidity event.
What we evaluate: Time-bound funding linked to identifiable business and transaction milestones.
Objective: Support the company until the proposed liquidity or refinancing event is completed.

Note: Illustrative situations only. The availability, structure, pricing, security and terms of any financing depend on the company’s financial position, due diligence, lender assessment and prevailing market conditions.

North point fundability check

Why Work With Us

Access to capital isn't the constraint — the terms are.
Most promoters with a decent asset base can get a loan. Our job is making sure it's the right structure, at the right price, without trapping the rest of your balance sheet.

We prevent over-collateralization
We negotiate charges around the specific facility being funded — not a blanket lien across your entire asset base — so your remaining headroom stays free for working capital and future borrowing.

We align repayment with your actual cash-flow cycle
Moratoriums, step-up schedules or bullet repayments structured around ramp-up, OEM approval or project milestones — not rigid day-one EMIs that don't match when the business will actually start generating cash.

We create competitive tension among lenders
A structured, parallel process across NBFCs, AIFs and private credit funds — so pricing and covenants get negotiated, not accepted at the first quote.

We translate your business for the credit committee
Lenders underwrite on DSCR, asset-cover multiples and cash-flow predictability. We build the model and the memorandum that speaks their language, so your operational strengths don't get lost in translation.

We hold lenders to genuine structured-finance underwriting
Where a facility is pitched as cash-flow-based structured finance, we push back on blanket asset charges and negotiate cover-release triggers — so security eases as risk genuinely reduces, instead of staying locked at day-one levels for the life of the loan.

We match the requirement to the right pool of capital
Cash-flow-first funds, asset-backed NBFCs and hybrid structures each underwrite differently. We identify which type of lender actually fits your situation, rather than running a generic pitch to whoever's available.

Approach and outcomes vary by transaction. Specific terms are discussed privately after review and, if required, an NDA.

Structured Finance advisory for the mid-market

Structured Finance advisory for the mid-market

About us

Promoter concerns → Our solutions

What We Do

Situations We Solve

Short-Term Bridge Capital

Working-Capital and Refinancing Gaps

Growth and Capex Funding

Acquisition and M&A Funding

Promoter Stake Consolidation

Promoter Pledge Reduction or De-Pledging

Pre-IPO or Event-Linked Funding

Why Work With Us

Deal Partner

Contact Us

Structured Finance advisory for the mid-market

Structured Finance advisory for the mid-market

About us

Promoter concerns → Our solutions

What We Do

Situations We Solve

Short-Term Bridge Capital

Working-Capital and Refinancing Gaps

Growth and Capex Funding

Acquisition and M&A Funding

Promoter Stake Consolidation

Promoter Pledge Reduction or De-Pledging

Pre-IPO or Event-Linked Funding

Why Work With Us

Deal Partner

Contact Us

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