Transique advises Indian mid-market companies and SMEs on debt and structured-debt fundraising between ₹50 crore and ₹500 crore: term loans, non-convertible debentures, mezzanine debt, acquisition finance, promoter funding and structured credit. We work with the full range of Indian lenders — public and private banks, NBFCs, AIFs, private-credit funds, development finance institutions and offshore credit lines — to design a capital structure that fits your cash flows, covenant capacity and plans.
We do not just introduce lenders. We sit across the table from credit committees, pressure-test covenant drafts, negotiate security packages and manage documentation through to disbursal.
| Service | What it covers |
|---|---|
| Debt & Structured-Debt Fundraising | Capital-structure review, lender selection, term-sheet negotiation, documentation and disbursal. |
| NCD Private Placement | Listed and unlisted non-convertible debentures: structuring, placement, listing route and costs. |
| Mezzanine & Structured Credit | Capital between senior debt and equity, from AIFs and private-credit funds. |
| Acquisition Finance | Funding for acquisitions and buyouts, arranged alongside our buy-side M&A team. |
| Promoter & Holdco Funding | Share-backed and holding-company structures, within the applicable regulatory limits. |
| Covenant, Refinancing & Lender Negotiation | Refinancing expensive debt, covenant resets and waivers. |
Related: Financial Modelling (Business Valuation), for lender-grade models with stress cases and debt-service coverage.
Project, capex and general-corporate term debt from banks and NBFCs, with tenor, moratorium and amortisation shaped to your cash flows.
Listed or unlisted, secured or unsecured, placed with institutional investors, AIFs and family offices. Useful when bank limits are exhausted or longer, bullet-style tenors are needed.
Capital that sits between senior debt and equity — often cheaper than dilution, and faster than an equity round.
Debt to fund an acquisition, sized to the combined cash flows and arranged alongside our buy-side M&A team.
Share-backed and holdco structures for promoter needs, structured within the applicable regulatory limits.
Taken on as part of a broader capital-structure mandate, where rebalancing short- and long-term debt changes the economics.
Covenants decide how much freedom the business keeps after the money arrives. Before you sign, we test each financial covenant against your downside case, negotiate headroom and cure rights, and check how restrictions on distributions, further borrowing and change of control affect future plans — including a later equity round or listing.
| Structured debt | Private equity | SME / main-board IPO | |
|---|---|---|---|
| Ownership | No dilution | Dilution plus investor rights | Dilution; promoters retain control |
| Time to money | 10–20 weeks | 16–24 weeks | 9–12 months (SME) |
| Needs | Serviceable, predictable cash flow | A growth story investors back | Profitability and governance readiness |
| Watch-outs | Covenants, security, refinancing risk | Exit rights, liquidation preference | Public disclosure and compliance |
Compare the other routes: Private Equity · SME IPO & Listing
| Company | Location | Engagement | Sector |
|---|---|---|---|
| Tejas Cargo Ltd | Faridabad, NCR | Structured debt finance advisor | Logistics |
| MTE Structures Ltd | Vadodara, Gujarat | Working-capital debt finance advisor | Solar structures |
| Finbros Capital Advisory Pvt Ltd | Mumbai | Structured debt finance advisor | Financial services |
Our focus is ₹50 crore to ₹500 crore per transaction, across single-lender bilaterals, syndications and structured credit from AIFs and private-credit funds.
Term loans, working-capital facilities as part of a wider capital-structure mandate, listed and unlisted NCDs, mezzanine debt, acquisition finance, promoter and holding-company funding, and structured credit.
A well-scoped bilateral facility typically closes in 10 to 14 weeks from kick-off to disbursal. Syndicated or multi-lender structures take 14 to 20 weeks.
Debt keeps ownership intact but needs predictable cash flow to service it and comes with covenants. Equity brings flexible capital and often a partner, at the cost of dilution and governance rights. The right mix depends on cash-flow visibility, the use of funds and how much control you want to retain; we set out the comparison before you commit.
Selectively. We advise on structured solutions — private credit, bespoke AIF facilities, ARC participation — where the business has a credible turnaround plan.
Yes. Several of our longer client relationships began with a covenant-reset negotiation after a breach or a scheduled review.
A credit-focused information memorandum, a financial model with debt-service coverage under stress cases, the security package, existing facility terms, audited financials and management accounts, and a clear use-of-funds and repayment narrative.
A milestone-linked model with a meaningful success component, set out in a written proposal after scoping.
Send us your term sheet or sanction letter for a free review, or tell us what you need to raise, using the Consult Us form at the top of this page. A partner responds within one business day.
