Preparing your case
Before anyone is approached, we work out how much debt the business can carry and what kind suits it. Then we build the financial model, the projections and the lender presentation, and set up the data room.
Debt advisory in India: raise or refinance your company's debt
For Indian companies raising ₹40 crore to ₹1,700 crore in debt. We prepare your case the way lenders assess it, approach the banks, private credit funds and NBFCs that fit, answer their due diligence questions and negotiate the terms with you, so you can compare offers side by side before you commit.
Get in TouchWhy Alehar
Why companies in India work with Alehar
A debt raise follows a specific process, and most of it is hard to see from the company's side: how each lender assesses you, who has to approve the loan, what they still need, and which terms can be negotiated. It usually takes many months. We have worked on the lending side, so we know how the process works, and we take you through it step by step.
Approaching lenders
Banks, private credit funds and NBFCs each have their own criteria on size, sector and security. We approach every lender whose criteria your company meets and tell you where each one stands.
Due diligence and approval
Each lender comes back with questions, document requests and site visits before its credit committee decides. We prepare the answers with your finance team and keep every lender moving.
Terms and closing
We compare the offers on rate, fees, covenants, security, promoter guarantees and prepayment charges, explain what each one means for you, and negotiate them with you. We stay through the loan documents until the money is disbursed.
Tell us what you want to fund or refinance.
We reply within 24 hours with how we would approach it.
Typical situations
What companies in India tell us
01
“Our bank turned us down, and we do not know who else would lend.”
02
“We took an NBFC loan when we were smaller, and the rate is now hard to justify.”
03
“Our working capital limits have not kept up with our sales.”
04
“We want to acquire a competitor and need debt to fund the purchase.”
05
“A lender has sent us a term sheet, and we cannot tell whether the terms are fair.”
The types of debt we help you raise
Whether you're funding growth, refinancing what you already have, or paying for an acquisition, these are the types of debt we work on.
Growth private credit
Larger, more flexible loans from private credit funds to fund expansion.
Refinancing and recapitalization
Replacing expensive or restrictive debt, or resetting the capital structure.
Working capital facilities
Lines that fund receivables, inventory and seasonal peaks.
Asset-backed lending
Loans secured on equipment or property.
Acquisition financing
Debt to buy a company or buy out a shareholder.
Mezzanine financing
Debt that ranks behind other loans and ahead of equity, used when those loans alone do not cover the need.
Venture debt
Term loans for venture-backed companies, sized on recent funding and recurring revenue.
Structured and revenue-based financing
Loans repaid as a percentage of revenue, or loans with equity features such as warrants.
Development finance institution funding
Loans from government-backed lenders that fund specific sectors, regions or exporters.
Client stories
Work we have done for other clients.
Frequently asked questions
Resources
More ResourcesTools for raising debt in India
Guides for India
Read our articles on raising and refinancing debt.
Some services described on this page may be regulated activities in certain jurisdictions. Alehar provides services only where legally permitted. See our Disclaimer.