Structured Debt & Refinancing Advisory

For MSMEs whose growth has outpaced their credit structure, or whose current facility is quietly taxing that growth.

The problem most growing businesses don't see

An INR 70Cr manufacturing business running on the same working capital facility from the same PSU bank it has used for seven years is not well-financed. It is stuck, and stuck usually means growth capacity that's already there isn't being used.

At that revenue scale, the market supports a consortium arrangement, a supplementary NBFC facility, a refinanced facility at meaningfully better terms, or a significantly higher limit from the existing bank. Most promoters don't know this, and most relationship managers don't push for it, because their incentive is not to fund your next stage of growth.

The result is a quiet but compounding disadvantage: constrained working capital, no competitive tension on pricing, and a growth plan that's capped by a lender relationship that was right for the business ten years ago and isn't anymore.

This is the gap Evolv addresses.

What we do

Credit Position Mapping Before anything else, we map where you actually stand. Existing facilities, lenders, security pledged, credit utilisation, reviewed against your revenue scale, sector benchmarks, and what the market supports for a business like yours. This is the diagnostic that tells us what growth capacity is available, including whether a refinance is worth pursuing.

MCA Research We pull your Index of Charges from MCA records before approaching any lender. This gives us a precise picture of existing security positions, lender relationships, and facility structures: information that most businesses don't have a clear view of themselves, but that every credit officer on the other side of the table has. We start every mandate with this.

Information Memorandum We prepare a structured IM that presents your business the way lenders want to read it: promoter background, business model, financial summary, sector context, the credit ask, and the repayment rationale. This is what separates a structured approach from a generic loan application. A well-prepared IM shortens the sanction timeline and reduces back-and-forth significantly.

Lender Mapping and Targeting Not every lender fits every mandate. We identify the right combination (PSU bank, private sector bank, NBFC) for your specific situation, facility type, and growth stage. The lender list is built on research, not on who we happen to know.

Refinancing Where an existing facility is overpriced or structurally mismatched to the business, we assess whether refinancing makes sense: the cost of moving, the terms available elsewhere, and whether the current lender will match them before you go through the effort of switching.

Trade Finance Structuring For businesses with cross-border trade volumes, we structure the right instruments as part of the credit mix: Letters of Credit, buyer's credit, TReDS registration, packing credit in INR or foreign currency. Most businesses with import or export activity are funding trade flows through generic working capital when cheaper, more appropriate instruments are available. We identify the gap and fix the structure.

Negotiation Support We stay in the room through the negotiation. Term sheets, sanction letters, facility terms: we review everything and advise on what is standard, what is negotiable, and what to push back on.

Who this is for

Revenue: INR 20–200Cr
Sectors: manufacturing, logistics, pharma, textiles, construction, chemicals, electrical equipment, auto ancillaries, exporters, importers
Situation: single-bank dependency, stale credit limits, an overpriced facility worth refinancing, expansion requiring new or enhanced facilities, working capital pressure, or businesses that want a second lender relationship

Mandates below INR 20Cr considered on a case-by-case basis, particularly where the business is scaling rapidly or the credit structure is significantly misaligned with revenue.

How an engagement works

Start with a Financial Health Review. Free, 30 minutes. We map your current position and tell you clearly what's possible. If there's a meaningful opportunity, we discuss scope and terms.

Mandate phase. Typically 6–12 weeks depending on complexity. IM preparation, lender research, introductions, and negotiation support through to sanction letter.

Ongoing. Some clients engage us on an ongoing basis to manage the lender relationship and review the credit structure as the business grows.

Not sure whether you need this service or Financial Planning & Cashflow Advisory first? Start with the Financial Health Review and we'll tell you.

Book a free Financial Health Review →

contact@evolv.ventures · +91 88106 30326