Not every funding need fits a vanilla term loan. Structured finance shapes the instrument around the reality of the business — its cash flows, its assets or its situation — to reach a quantum, tenor or risk that standard debt can’t.
Common structures
- Cash-flow-based lending against receivables or contracts.
- Non-convertible debentures (NCDs) for larger, longer or listed raises.
- Mezzanine or subordinated debt sitting between senior debt and equity.
- Securitisation and pass-through of a receivables pool.
- Project finance sized to a project’s own cash flows.
Why structure matters
The right structure can lower cost, extend tenor, match repayment to cash generation and reduce dilution. The wrong one over-leverages the business or chokes its working capital.
The trade-offs
Structured instruments carry more documentation, tighter covenants and often higher headline cost. They earn their place when standard debt simply can’t reach what the situation needs.
We design and place these structures across banks, NBFCs, AIFs and private credit — matched to what the business can actually service.