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Bank Funding for Scale

Multi-lender debt with negotiated covenants, for companies that outgrew one bank.

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3-5 days 72-hour express on request 100% client satisfaction commitment One named advisor start to close
What it is

Plain language, then the law.

Bank, NBFC and consortium debt with covenant design, multi-lender coordination handled end to end.

Scale-phase work is what turns a growing company into a fundable, sellable, or borrow-worthy one — the model is a letter to a sceptical partner, not a pitch. A valuation nobody can defend is a number, not an opinion — we build ours to survive the question that comes right after it.

The output is not a PDF dump. It is a file a future investor, banker, or officer can reopen without you in the room.

Bank Funding for Scale, Finchase Capital
What you walk away withSanctioned, covenant-safe growth debt with a drawdown calendar.Covenants negotiated before you sign, charges filed after.Filed, audited, funded without leaving the building.
When to call usOne bank is no longer enough — limits, covenants or tenure need a wider lender set.Every lender compared on all-in cost, not just rate.
Our process
  1. 01

    Need

    Amount, tenure and end-use fixed; CMA-ready financials and existing limits mapped.

  2. 02

    Map

    Banks, NBFCs and consortium options compared on all-in cost, security and flexibility.

  3. 03

    Negotiate

    Rate, security, covenants and prepayment terms pushed before sanction, not after drawdown.

  4. 04

    Document

    Sanction documentation, consortium agreements and charge filings completed.

  5. 05

    Draw

    Drawdown scheduled to cash flows with a covenant-compliance calendar, so limits never surprise you.

Why it matters

Priced right

Valuations with bridged assumptions, no spreadsheet folklore.

Closed fast

Data rooms and term mechanics run to a calendar, not to luck.

Defensible

Every claim in the deck traces back to a working paper.

Who needs this
Startup ?
  • First priced round
  • First real investor deck
SME ?
  • Working capital / bank finance
  • Cap table cleanup before a raise
Enterprise ?
  • Buy-side or sell-side diligence
  • Multi-lender debt syndication
Deliverables

What's inside

01

Landscape

Hover to reveal

Lender map with all-in cost comparison

02

Terms

Hover to reveal

Negotiated rate, security and covenants

03

Documentation

Hover to reveal

Sanctions, consortium and charge filings

04

Handover

Hover to reveal

Drawdown + covenant calendar

FAQ
First outputs in 3-5 days once inputs are complete, with a 72-hour express track on request.
Fixed for defined filings; retainers for lifecycle. Quotes in writing before work starts.
Yes. Portals are national. On-site stock or branch work is scheduled explicitly.
A named senior advisor from our 20-professional bench. You will not meet someone new every filing.
When limits cap your growth, covenants bite on every decision, or tenure mismatches the asset. That's the moment a second lender — or a consortium — pays for itself.
Banks for cheap secured limits, NBFCs for speed, consortiums for size. We compare all-in cost, not just rates.
Dividend locks, promoter-pledge triggers and cross-defaults. We negotiate the covenants that actually bite in a downturn.

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Pre-IPO Restructuring and Compliance

Group cleanup, related parties, and restatements before the DRHP.

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Draft Red Herring Prospectus (DRHP) Financial Drafting

MD and A-ready numbers and notes that survive SEBI comments.

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Ready to build a company that lasts generations?

One 30-minute call covers audit, tax, debt and capital — because one team does all four.

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