SourcingIndia.biz

Contact Us

Financial analytics on a laptop used to structure a funding requirement
Our Funding Advisory Approach

Funding Is A Structuring Problem Before It Is A Sourcing Problem

Most businesses arrive with a route already in mind — a term loan, a private equity round, an investor introduction. Often that instinct is right. Just as often it is anchored to what worked for someone else, or to whichever product was described most persuasively.

We start further back. What is the money for, over what horizon, and what will it produce? What can the business service comfortably if the next two years are harder than planned? What ownership and control are genuinely on the table? Only once those are settled does the question of which instrument — and which provider — become useful.

All Solutions

Fifteen Routes We Work Across

Each has its own page setting out what it is, who it tends to suit and how we assist. None is universally better than the others.

Debt Funding

Growth and working capital without diluting ownership.

Explore

Bank Funding

Term loans, working capital lines and project facilities.

Explore

Private Equity

Institutional growth capital for larger ambitions — requirements up to $400 million.

Explore

Startup & Seed Funding

From an idea with traction to an investable opportunity.

Explore

Venture Capital

Institutional equity for businesses built to scale.

Explore

Alternative Investment Funding

AIFs, private credit, venture debt and structured capital routes.

Explore

Stressed Account & NPA Funding

Structured thinking for complex financial situations, including NPA cases (subject to evaluation).

Explore

Debt Restructuring

Rebalancing obligations to create operating room.

Explore

MSME & Corporate Funding

Flexible financing built around how MSMEs actually operate.

Explore

Working Capital Finance

Cash credit, overdraft and cycle-matched limits for day-to-day business needs.

Explore

Invoice Finance

For exporters, importers and traders — domestic and international, sales and purchase invoices.

Explore

Loan Against Property

Secured funding against residential, commercial or industrial property for business and large funding needs.

Explore

Unsecured Business Finance

Collateral-free business funding for eligible businesses through banks and NBFCs.

Explore

SME IPO Advisory

Readiness, preparation and coordination for BSE SME and NSE Emerge listings.

Explore

Mergers & Acquisitions

Buy-side and sell-side advisory, from opportunity identification to completion.

Explore
How We Approach Funding

A Process Built To Withstand Diligence

Step-01

Requirement analysis

What the capital is for, how much is genuinely needed, and over what period. Frequently the number changes at this stage.

Step-02

Route & structure

Which instruments fit, what each would cost in money, control and covenants, and which combination makes sense.

Step-03

Financial preparation

Restating financials for an external reader, building defensible projections and assembling documentation.

Step-04

Positioning & approach

Identifying the lenders or investors most likely to engage, and presenting the case to them properly.

Step-05

Diligence support

Managing information requests, clarifying queries and keeping the process moving.

Step-06

Negotiation & closure

Reviewing terms, comparing offers on a like-for-like basis and coordinating to completion.

Preparation

What Businesses Should Have Ready

None of this needs to be perfect before a first conversation. It does need to exist before a lender or investor is approached.

Financial statements with depth

Audited financials for the last three years where available, plus provisional current-year numbers. Consistency between statutory, tax and management accounts matters more than most expect.

A clear use of funds

Not “working capital” but what specifically, over what period, producing what. Vague requirements are the most common reason a conversation stalls.

Realistic projections

Two to three years, built from operating assumptions you can defend line by line. Ambitious is fine. Unexplained is not.

An honest debt position

Existing facilities, security already given, repayment history and any restructuring. It surfaces in diligence regardless.

Governance & compliance basics

Statutory filings up to date, related-party transactions documented and a clean corporate structure.

Clarity on what you will not give up

Board seats, control thresholds, personal guarantees and exit expectations — settled before negotiating.

FAQ

Funding Questions We Are Asked Most Often

Straight answers — including where the honest answer is "it depends". If your question is not here, ask us directly.

It depends on four things: what the capital is for, how predictable your cash flows are, how much ownership you are willing to share, and how quickly you need it. Debt suits predictable, asset-backed or cash-generative needs where you want to retain control. Equity suits businesses funding growth that will not service debt comfortably in the near term. Many businesses end up with a combination.

No. We are an advisory firm. We are not a bank, a non-banking financial company or a fund, we do not lend money or accept deposits, and we do not guarantee that any facility or investment will be approved. Our role is to assess the requirement, structure and prepare the case, and coordinate conversations with the lenders, investors and intermediaries most likely to engage with it.

It varies widely by route. Bank and working capital facilities are often measured in weeks once documentation is complete. Private equity and venture capital processes are usually measured in months, because diligence is deeper. Restructuring timelines depend on the number of lenders involved.

That is common and not necessarily an obstacle. What matters is whether the position is explainable and whether there is a credible path to tidying it. Part of the preparation work is identifying which issues genuinely need fixing before approaching capital providers, and which can simply be disclosed and explained.

Often, yes — but it depends on why. A decline caused by presentation, structure or approaching the wrong type of lender is usually addressable. A decline caused by underlying financial stress needs a different conversation, which may point toward restructuring rather than fresh funding.

Not Sure Which Route Fits?

Describe the requirement and we will tell you which of these routes are worth exploring — and which are not worth your time.

Call Email Consultation