Land acquisition. Construction. Last-mile. Refinance and workout. From greenfield deals in Pune's premium corridors to large-format developments.
PSU banks, private banks, NBFCs and institutions like SIDBI. Structured for the right cost, tenure and covenants.
Capital stack design, debt optimisation, and financing aligned to aggressive growth — including 50% YoY scenarios.
Illustrative engagements from land-stage funding, mixed-use developments and distressed-asset workouts.
Right finance at the right time ensures business health. Wrong finance, even on the best terms, breaks it.
— FINKOI's operating philosophyFrom sourcing the right lender to designing the right capital structure — every engagement is built around one outcome: financing that supports growth instead of straining it.
We raise debt across PSU banks, private banks, NBFCs and SIDBI — for real estate projects, working capital, machinery and expansion.
Explore practiceCapital structuring strategy, debt optimisation, and financial planning aligned to ambitious growth targets — including aggressive YoY scenarios.
Explore practiceThe consultative layer: decision-making MIS, budgeting frameworks and planning systems that translate ambition into operating discipline.
Explore practiceFrom land acquisition through last-mile delivery, we structure debt for developments where timing, absorption and lender-fit determine project survival. Active across Pune's high-density growth corridors and beyond.
Capital is rarely the scarce resource. Capital structured to the rhythm of a business — that is the scarce resource. Every mandate begins with the diagnosis, not the term sheet.
Cash flow, collateral, timing and growth intent are mapped before any lender conversation. The financing follows the diagnosis — never the reverse.
A deal that closes is not the same as a deal that endures. We design financing to absorb the shocks a business meets over years — not to clear a single signature.
Drawdowns, restructuring, follow-on capital. The strongest mandates are those where we remain useful long after the first cheque has cleared.
A view from the practice on structuring decisions, lender appetite cycles, and the shape of capital in real estate finance.
Pre-revenue. Pre-approval. Full commitment. The structuring decisions made here echo through every tranche that follows — and most developers underestimate the second-order effects.
Read more →A growth thesis is a financing thesis in disguise. Most operators discover this the hard way, when the capital structure that financed last year starts pushing back on next year.
Read more →Sale, strategic investment, or turnaround capital — three structures, three different decisions about the future of the asset. The structuring matters as much as the rescue.
Read more →Whether you are raising land-stage capital, refinancing a stressed asset, or planning the next phase of growth — start the conversation.
