Services

Evolv helps growing businesses grow past their current credit, cashflow, and financial-planning ceilings: structured debt and credit advisory for Indian MSMEs, financial planning and cashflow leadership for businesses in India and internationally. We diagnose first: the recommendation follows from what's actually constraining you, not from a fixed menu.

The gap most MSMEs don't see

A business generating INR 60Cr in revenue, running on a single working capital facility from a PSU bank (same lender, same limit, for five years) isn't just under-optimised. It's growing with the brakes on. Often the finance function behind it hasn't kept pace either: cashflow tracked reactively, no forecasting, MIS built after the fact.

At that revenue scale, the credit market supports a consortium arrangement, an NBFC supplementary facility, a refinanced facility, or a significantly higher limit from the existing bank, and the finance function should be giving the promoter real visibility, not just a bank balance. Most promoters don't know either of these things, which means growth capacity is sitting unused.

Common signs:

  • Single-bank dependency: one lender, one relationship, no competitive tension on terms
  • Stale credit limits: facility limits that haven't kept pace with revenue growth
  • Untapped NBFC capacity: most MSMEs don't use NBFCs as a supplementary source
  • Trade finance underutilisation: funding trade flows through generic working capital when cheaper instruments are available
  • Weak cashflow visibility: no forecast beyond what's in the bank today
  • Lender-readiness gaps: financials and documentation that don't tell the credit story as clearly as they should

Recognise one or more of these? Start with a free Financial Health Review →, a 30-minute diagnostic before any mandate discussion.

Structured Debt & Refinancing Advisory →

For MSMEs in the INR 20–200Cr range whose growth has outpaced their credit structure: single-bank dependency, stale limits, an overpriced facility, or untapped NBFC and trade finance capacity.

We map your credit position, prepare an information memorandum, identify the right lenders, and manage the engagement through to sanction. Trade finance structuring (LC, buyer's credit, TReDS, packing credit) is part of this service for businesses with cross-border trade flows.

Best for: Manufacturing, logistics, pharma, textiles, construction, chemicals, auto ancillaries, exporters and importers.

Financial Planning & Cashflow Advisory →

For businesses growing faster than their finance function can track, in India or internationally: cashflow managed by instinct, MIS built in ad-hoc spreadsheets, no real forecasting discipline. We embed as your financial planning and cashflow function on a fixed weekly and monthly cadence, or build the systems for your own team to run, depending on what you need, including automated dashboards and AI-assisted forecasting where they genuinely save time.

Best for: MSMEs with revenue INR 20Cr+ expanding into new facilities or geographies without the financial infrastructure to match, or preparing for a lender conversation with weak internal reporting.

Credit Readiness →

For MSMEs whose next stage of growth depends on a lender conversation, and who need the fundamentals right before that conversation starts.

We review your financials, develop the credit narrative, prepare the documentation, and give you a lender-ready package.

Best for: MSMEs with revenue INR 10–50Cr approaching a first formal facility; businesses that have been turned down and need to understand why.

Every engagement starts with a conversation. Reach us at contact@evolv.ventures or +91 88106 30326.