About Us

Independent debt capital advisory — aligned with you, not the lender

Navnirman Advisors helps businesses access debt capital efficiently. We work with MSMEs and mid-market corporates to design, raise, and optimise their debt — from working capital to complex structured transactions.

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, refinancing

🏦

Lender Matching

40+ banks, NBFCs, alternative credit

🔧

Structuring

Custom structures for complex needs

⚖️

Negotiation

Rate, tenor, covenants, documentation

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 write guides, 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

Our team has led transactions across working capital, trade finance, structured credit, and debt capital markets. Every engagement is led by a senior advisor — not delegated to a junior analyst.

📋

Dedicated coverage

You get a single point of contact from mandate to disbursement. We don't hand off clients between teams.

🏦

Lender relationships that work

Our network spans 40+ lenders across banks, NBFCs, and alternative credit. We know who's lending actively — and who isn't.

📈

Sector-aware structuring

We understand how different lenders view different sectors. Our structuring is built around what actually gets credit committees to say yes.

🔍

Post-disbursement support

We stay engaged after the facility is live — 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 both analytical rigour and strategic insight to every client engagement.

Treasury Management Capital Management Risk Assessment Structured Finance Financial Planning

Ready to work together?

Whether you're an MSME looking for your first working capital facility or a CFO planning a complex refinancing — we're here to help.

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