What We Finance
This is the full breadth of what we do day to day — not just the complex cases that make headlines, but the everyday financing that makes up the bulk of our work.
Everything a business needs to run, grow, or build — secured or unsecured, whatever stage the business is at.
The blood of any organization — funding for day-to-day operations, from raw material purchases to payroll, so growth never stalls for lack of cash flow.
Proven at Scale: See our Collateral Optimization story — working capital that scaled 20x alongside a business, not a one-time facility. Read the full story
Financing for new plants, expansions, or large capital projects — typically a mix of construction, machinery, and working capital in one package.
Case
A family-run metal products business had modest turnover and a mortgaged home behind a small credit limit. They had land, a vision, and a balance sheet most banks wouldn't look twice at.
Result: Full project funding — construction, machinery, and working capital — then fresh support at every growth stage that followed. Turnover grew from near-zero to ₹70Cr within three years.
Financing to buy or upgrade the equipment a business runs on.
Case
A manufacturing company had one loan facility wrongly classified as NPA — a banking error sitting uncorrected for almost five years. Every fresh loan application was blocked. Other consultants walked away.
Result: ₹4Cr machinery loan approved. Business moved forward despite an error five years of normal banking couldn't fix.
Unlock capital from property you already own, without selling the asset — three ways it played out when the paperwork, the eligibility, or the balance sheet made it harder than it should have been.
A business was expanding fast, and speed mattered — every rupee of cheap capital counted. The property he wanted to leverage sat in an area most lenders wouldn't touch, with the kind of irregular paperwork that gets files closed before they're even reviewed.
Result: ₹1.2Cr sanctioned. His expansion funded at the pace his business needed, not the pace paperwork usually allows.
In his early 60s, he needed to raise a loan against property he'd built a lifetime of equity into. Lender after lender tightened the eligibility math the moment they saw his age, before even looking at the rest of his profile.
Result: ₹4Cr sanctioned — working capital his own bank wouldn't extend on its existing facility, at any age.
His business was healthy, but the paperwork handed to lenders didn't say so. Every bank that looked at it walked away from a business that was actually doing fine.
Result: ₹7.5Cr sanctioned — a ₹4Cr top-up plus a full balance transfer — once the real picture came through.
Most consultants apply across many banks regardless of the damage to your credit history, and recommend larger amounts than you actually need because it's more profitable for them — not necessarily better for you.
Case
Two of a client's companies shared similar names, and lenders kept mixing up their loan records — enough confusion that no one wanted to take on the risk of sorting it out.
Result: Funding secured, once the records were untangled clearly enough for a lender to make an informed decision — where the confusion alone had gotten every prior application rejected.
Sometimes a bank business loan isn't the right fit — or isn't fast enough. Private financiers can move in 1-2 days, with no security, minimal documentation, and no CIBIL enquiry or reporting.
Case
A respected food manufacturer, doing significant monthly turnover, found several of his accounts suddenly frozen during a tax raid — decades of business, blindsided overnight, and cash needed immediately.
Result: ₹5Cr arranged within 48 hours. When only private financing could move fast enough to matter, his real cash flow and standing — not the frozen accounts — is what got him funded.
Financing to purchase a ready-built industrial shed or warehouse.
Case
He'd been working out of that shed for years as a tenant, and when it came up for sale, he knew the value was about to move before the market caught on. The bank's valuation hadn't caught up yet either.
Result: ₹3Cr sanctioned. Two years later, he sold it at a ₹1Cr profit.
Financing to purchase industrial land for a plant, warehouse, or future expansion.
Case
It was their dream to have their own shed on government industrial land for future expansion. But land close to Bangalore was running out, and every month of delay meant rising liaisoning costs and a shrinking chance of finding a plot this well located again.
Result: ₹4Cr sanctioned. Land secured, expansion on track.
Stamp duty exemption, capital investment subsidies, and technology-upgrade support — real savings most businesses never claim, first-time entrepreneurs included. Under Karnataka's Industrial Policy, eligible MSMEs can get up to 100% stamp duty exemption on loan, mortgage, and hypothecation deeds — normally around 1% of the loan amount, so on a ₹50Cr loan, that's a ₹50L saving most businesses never even ask for. SC/ST entrepreneurs can also access a 25% capital subsidy, up to ₹25L, on machinery purchases under the Special Credit Linked Capital Subsidy Scheme (SCLCSS) — money back on equipment you were financing anyway.
Proven at Scale: ₹50Cr+ in subsidies facilitated across capital investment, stamp duty, and technology schemes — for businesses of every size, not just large enterprises. Read the full story
Turn a leased or rented property's rental income into capital you can deploy elsewhere — a new investment, another property, or growing a business. Bangalore's strong rental market means many property owners are sitting on borrowing capacity they've never used.
Who This Is For: Owners of rented commercial or residential property in Bangalore looking to unlock that rental income as investable capital, without selling the asset.
Ready to Move, Under Construction, Composite, Construction, and Plot Purchase — every way to buy, build, or own a home, and nine reasons none of them were simple.
Both self-employed, running their own ventures independently — a good living between them, but not the kind that fits neatly into a bank's income column. Payments came irregularly, sometimes in cash, sometimes digital.
Result: ₹50L sanctioned. Their first home — earned the hard way, financed the right way.
He'd lived in Bangalore over four decades without ever owning a home of his own. He wanted the interiors finished and the gruh pravesh done before his son left for higher studies abroad.
Result: ₹2Cr sanctioned. Gruh pravesh done. His son saw him settled before he left.
He needed significant funding, and consultant after consultant gave him the same answer — the option that was easiest for them to sell, not the one that actually served him best.
Result: ₹3Cr sanctioned, on terms far better than what he'd been offered elsewhere.
He'd already paid an advance on his new flat. His old home was under sale to fund the difference. If the timing slipped, he stood to lose both — the new flat, and the advance already sitting with the seller.
Result: ₹2Cr sanctioned. New home secured. Old advance protected.
He already owned multiple properties. This purchase wasn't about adding another asset — his aged parents were living in this specific house, in a locality he knew suited them. On paper, his eligibility fell short.
Result: ₹2Cr sanctioned. His parents stayed exactly where they were meant to.
He'd found a plot in a location that doesn't come up twice — the kind surrounded by major offices and steady rental demand. Five banks turned him down before he came to us, each citing the same boundary concern.
Result: ₹1.4Cr sanctioned. Today, that plot generates a strong steady rental income.
She ran her own small business alone — no husband, no working son to share the load. She'd already paid a sizeable advance, from money she'd earned herself, on a home in a location she'd wanted for years. In her mid-50s, she knew exactly what delay would cost her.
Result: ₹80L sanctioned. Her home, her way, on her terms.
He'd moved into a new chapter — a new role, a new income, a clean slate. But his credit record hadn't caught up. It still carried loans tied to a company he was no longer part of. Two banks looked at that record and said no.
Result: ₹1Cr sanctioned. His own home, on his own credit.
The most commoditized lending market in India — kept deliberately low-key on our end, because our value here isn't volume.
Everyone offers a personal loan, and most consultants route you to whichever bank pays them the best.
Case
An independent professional wanted a loan entirely in her own name. Several lenders hesitated, judging her financial profile through her husband's small business rather than her own standing.
Result: We found a lender willing to judge her application on its own merit — sanctioned in her name, for her needs.
