About Navnirman Advisors

Built to be on your side —
not the lender's.

Navnirman Advisors is an independent debt capital advisory firm based in India. We help MSMEs and mid-market corporates access the right debt — structured correctly, priced fairly, and closed efficiently. We charge advisory fees, never lender commissions, so our advice is always aligned with your interests.

₹350Cr+

Debt Facilitated

40+

Lending Partners

25+

Clients Served

Cities

What makes us different

Most "loan advisors" are paid by lenders — their incentive is to push you towards whoever pays them most. We flipped that model entirely.

🎯

Fee-only advisory

We earn from you, not lenders. No kickbacks, no conflicts of interest.

🏦

Multi-lender access

40+ banks, NBFCs, and alternative credit providers. We find the right fit for your business.

📋

End-to-end execution

Structure, documentation, negotiation — we manage the process until disbursement.

Our Story

Why we exist

Most businesses get debt wrong — either too much, too little, too expensive, or structured in a way that doesn't match the business. This happens because the system is opaque: lenders don't disclose their credit appetite transparently, and borrowers don't have visibility into alternatives.

An independent advisor fixes this. We sit on the borrower's side of the table, understand the capital requirement, and match it with the right lender from our network of 40+ banks, NBFCs, and alternative credit providers.

Our incentive is simple: we charge advisory fees, not lender commissions. This means we're optimising for your cost and terms, not for which lender pays us the most.

What we do

📊

Debt Advisory

Working capital, term loans, bill discounting, refinancing — structured for your business model.

🏦

Lender Matching

40+ banks, NBFCs, and alternative lenders. We know who's lending actively and on what terms.

🔧

Debt Structuring

Consortium finance, structured credit, supply chain solutions — custom structures for complex needs.

⚖️

Negotiation & Execution

Rate, tenor, covenants, documentation — we push for the best terms and close the deal.

Selected Transactions

Deals we've closed

A representative sample of transactions across segments, lenders, and structures. Every deal was sourced, structured, and executed by our team.

Vidya Herbs

Herbal & Natural Products

Corporate

₹35 Cr

approx. $4.1M USD

Purchase Bill Discounting

🏦

Poonawalla Fincorp

✓ Closed

Vidya Herbs

Herbal & Natural Products

Corporate

₹10 Cr

approx. $1.2M USD

Purchase Bill Discounting

🏦

Tyger Capital

✓ Closed

Transaction details shared with client consent. Amounts and lender names are indicative.

Our Values

What we stand for

🎯

Independence

We charge advisory fees, not lender commissions. Our only incentive is getting you the best outcome.

📊

Transparency

No hidden fees, no ambiguous pricing. You know exactly what you're paying for and why.

⚡

Execution

Deals don't happen from PowerPoints. We focus on getting transactions closed, not just discussed.

🤝

Long-term relationships

We're not a transaction shop. Most of our clients work with us across multiple financing events.

📚

Education

We publish insights and share knowledge freely. An informed client makes better decisions.

🔒

Confidentiality

Financial matters are sensitive. Discretion is non-negotiable in every engagement.

The Team

Who you'll work with

Every engagement is led by a senior advisor. We don't delegate client work to junior analysts.

📋

Dedicated coverage

A single point of contact from mandate to disbursement. No handoffs between teams.

🏦

Active lender intelligence

We know which lenders are actively deploying, on what sectors, and at what rates — in real time.

📈

Sector-aware structuring

We structure around what actually gets credit committees to say yes — not what looks good on a slide.

🔍

Post-disbursement support

Covenant monitoring, renewal planning, and optimisation as the business grows.

Advisory Board

Our Advisors

Senior professionals who bring deep domain expertise across finance, treasury, capital markets, and banking — supporting Navnirman's clients on complex mandates.

K. Shiva Ram Krishna

Senior Advisor — Finance & Treasury

CA CMA IIM Calcutta

A Chartered Accountant and Cost Accountant with deep expertise in treasury management, financial planning, and structured financial decision-making. An alumnus of IIM Calcutta with prior banking sector experience, Shiva brings analytical rigour and strategic insight to every client engagement.

Treasury Management Capital Management Risk Assessment Structured Finance Financial Planning

Built to be on your side —not the lender's.