Debt advisory · capital structuring · credit intelligence
Finansh helps businesses prepare lender-ready borrowing proposals, structure debt the way lenders evaluate risk, and stay involved through execution till closure.
Banks and lenders we work with
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The Finansh difference
The proposal has to answer credit questions before the lender asks them. That is the layer Finansh builds.
Most debt conversations start with “which bank will sanction this?” Finansh starts earlier: what should be borrowed, how it should be structured, and how the lender will evaluate the risk.
We shortlist lenders by appetite, sector, ticket size, security comfort, pricing and execution likelihood.
Tenor, repayment, moratorium, collateral, DSCR and covenants are aligned before the file moves.
From proposal preparation to lender queries, sanction terms, documentation and disbursement conditions, the file is managed like a mandate.
What we take on
Every mandate starts with structure: debt size, facility mix, security, lender fit and execution route.
Debt-equity mix, facility design, security architecture, repayment alignment and lender-facing justification.
Ratio analysis, CMA logic, cash-flow view, banking conduct, collateral comfort and likely credit objections.
CC, OD, enhancement, renewal, bill discounting and non-fund-based requirements.
Capex, new units, greenfield projects, solar assets, machinery and term debt.
SPVs, PPAs, project cash flows, lender appetite and structured execution across RE mandates.
Product-assisted advisory
The product layer is not decoration. It helps convert business data into lender-facing insights and next actions.
Forward-looking view of debt need, repayment capacity, facility route and priority actions before approaching lenders.
Credit-team style reading of ratios, banking conduct, documentation gaps, collateral comfort and lender concerns.
Selected proof
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SPV-level project debt structured around PPA-backed cash flows, lender comfort and staged execution.
Manufacturing borrower structured with cash-flow logic, banking conduct and repayment alignment.
Equipment-linked term debt structured around asset utility, project ramp-up and business cash generation.
How we work
The job is not to forward documents. The job is to prepare, position, negotiate and close.
Understand the business, requirement, financials, banking, security, existing debt and lender constraints.
Build the facility route, debt size, repayment logic, security structure and credit story.
Engage suitable lenders, manage discussions, answer credit queries and compare terms.
Support sanction, documentation, compliance and disbursement conditions till closure.
Why businesses choose Finansh
We read the file the way credit teams read it and resolve risk questions early.
Proposal, lender coordination, query handling and follow-through are owned like a mandate.
The question is not only sanction. It is amount, facility mix, tenor, security and repayment.
We work with limited clients where our advisory and execution layer can materially improve the outcome.
Client voice
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“Finansh helped us prepare the proposal, handle lender queries and move the file through sanction.”
Founder · Renewable Energy Company“The value was not only in lender access. It was in how the facility was structured before submission.”
Director · Manufacturing BusinessFAQs
The right route depends on financials, security, sector, ticket size, lender appetite and timing.
No. Finansh Business is advisory-led. We structure the borrowing case, prepare the lender-facing proposal, coordinate lenders and stay involved till closure.
Working capital, term loans, project finance, machinery finance, renewable energy finance, structured debt, refinancing and lender transition mandates.
Depending on the mandate, we may evaluate existing lenders, alternate lenders, or a parallel route. The structure is decided before lender engagement.
Yes. We support proposal preparation, lender-facing analysis, data presentation, documentation coordination and query handling.
Business mandates are usually fee-based and agreed in writing before work begins. The structure depends on scope, size, complexity and execution requirements.
Before the file is submitted. The earlier the structure is corrected, the better the chance of avoiding preventable lender objections.
Start with structure
Tell us about the business, requirement and timeline. We will help you understand the lender route before the proposal reaches the market.
