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Capabilities

Three service lines. One philosophy.

Each engagement combines diagnostic clarity with execution depth. We don't unbundle the thinking from the doing.

01
Flagship

Debt syndication

Raising debt capital — across banks, NBFCs and financial institutions — for projects, working capital, machinery and expansion.

The flagship offering. FINKOI works as the structuring and syndication partner for promoters who need debt to do something specific: launch a project, refinance a stressed asset, fund an expansion, free up working capital. We design the deal, identify the right lender mix, prepare the credit-quality documentation, and shepherd the mandate to disbursement.

Our lender network spans public sector banks, private banks, NBFCs, and financial institutions such as SIDBI — and we know each one's appetite, sector preference and turnaround patterns.

Common use cases

  • Real estate project funding
  • Construction & last-mile finance
  • Working capital lines
  • Machinery & capex loans
  • Expansion & growth funding
  • Refinance & debt restructuring
02
Strategic

Growth advisory

For businesses where the next decision isn't whether to raise capital — it's how to structure for the next phase.

Beyond funding sits a harder question: what shape should the capital stack take if the business is going to double, triple, or restructure entirely? Growth Advisory answers that.

The engagement is built around capital structuring strategy — what mix of debt, equity and quasi-equity supports the growth thesis without over-leveraging; financial planning — sequencing capital deployment to operating milestones; expansion advisory — sizing, timing and funding the next leg; and debt optimisation — re-engineering existing facilities for cost, covenant or tenure improvement.

Typical engagements

  • 50% YoY growth-path financing
  • Debt-stack re-engineering
  • Pre-expansion capital planning
  • Equity-debt blend design
  • Covenant negotiation strategy
  • Lender consolidation
03
Consultative

Financial MIS & planning

The operating layer. Decision-making systems that turn financial visibility into financial discipline.

Capital decisions are only as good as the data they sit on. FINKOI's MIS & Planning practice builds the systems that let founders and CFOs see the business clearly — and act in time.

This includes decision-making MIS tailored to the operating reality of the business; budgeting frameworks that connect strategy to cash; and planning alignment with ambitious growth scenarios — including the difficult arithmetic of 50% YoY growth where every quarter compounds the previous bet.

Outcomes we build toward

  • One-page management dashboard
  • Rolling 13-week cash forecast
  • Project-level P&L visibility
  • Scenario & sensitivity modelling
  • Lender-ready financial reporting
  • Operating-to-planning rhythm
Who it's for

Sectors where structure matters most.

Our work is deepest where capital intensity meets cycle sensitivity — where the wrong financing decision compounds into something much larger than itself.

Real estate

Developers

Land-stage funding, construction finance, redevelopment, last-mile completion capital, and refinance for stressed projects.

Manufacturing

Capex-heavy businesses

Machinery financing, structured term loans, and working capital lines designed around production cycles.

SMB · Mid-Market

Growth-stage operators

Revenue-generating businesses ready to scale — needing capital structure design alongside the capital itself.

Found the service line that fits?

Tell us what you're trying to do. We'll come back with a view on the deal and the structure.

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