Working capital supports operations. Term loans support investments. The distinction matters because the financing structure must match the asset — a factory doesn't pay back in 12 months, so the loan shouldn't either.
New manufacturing capacity, additional production lines, warehousing, or office infrastructure.
ERP systems, automation, digital infrastructure, or large equipment that transforms your competitive position.
Acquisition finance for strategic purchases — assets, businesses, or brands. Structured with bullet repayments tied to acquisition monetisation.
Purchase of office premises, industrial sheds, or commercial property for own use or as investment.
Matching repayment to cash flow generation. Back-loaded vs. straight-line. Bullet vs. structured amortisation.
Fixed vs. floating. MCLR + spread negotiation. Rate reset mechanisms. Prepayment penalty structuring.
Minimising asset encumbrance. Covenant flexibility — DSCR, leverage, net worth triggers and their carve-outs.
Single lender vs. club deal. Banks vs. NBFCs vs. debt funds. Who gives the best terms for your risk profile.
Principal holiday during construction / ramp-up phase. Matching repayment start to revenue commencement.
Loan agreement review and negotiation. Representations, events of default, and cure period carve-outs.
A project loan (or project finance) is typically ring-fenced to a specific asset, with repayment purely from the project's cash flows. A corporate term loan is on the balance sheet of the entire company. For most mid-market companies, a structured corporate term loan is more appropriate — we advise on which structure fits your situation and lender appetite.
Yes. Most capex-linked term loans include a moratorium on principal repayment — typically 6–24 months — to account for the construction or ramp-up period. The duration of the moratorium is a key negotiation point and should match your project timeline. We always push for an adequate moratorium as part of the standard structuring.
For brownfield expansions, lenders rely heavily on the track record of the existing business. For greenfield projects, lender comfort comes from promoter strength, the quality of assumptions in the project report, and the visibility of revenue (LOIs, anchor customers, etc.). We prepare detailed financial models and project reports that address lenders' specific concerns.
No obligation. We review your project and advise on the optimal debt structure.