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 a single outcome: financing that powers 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.
Many promoters treat refinancing like admitting a mistake. In reality, the loan that was right at launch is often wrong two years later, because the project de-risked and the loan did not notice. Here is when switching lenders makes clear sense.
July 2, 2026 · 5 min readNo EMI for twenty four months sounds like breathing room. The interest meter, however, starts on day one. Here is how interest during construction works, what delays do to it, and how to model it before you sign.
June 29, 2026 · 6 min readI will arrange the money when I need it. That one sentence has cost developers more than any interest rate ever has. Here is what a debt raise timeline really looks like, and what urgency does to your terms.
June 26, 2026 · 6 min readLand-stage capital, a refinance, a stressed-asset workout, or the next phase of growth. Bring the brief. We will come back with structure.
