Structured Debt Advisory.
Structured debt sits between senior secured debt and equity — subordinated, often with an equity-linked feature, designed for situations where the collateral or cash flow profile doesn't support a conventional facility on its own.
Subordinated Debt · Quasi-Equity Instruments · Structured Repayment
Where This Applies
- Senior debt alone won't cover the requirement because of collateral or leverage constraints.
- The business needs capital that sits junior to existing senior lenders without diluting equity outright.
- Repayment is tied to a specific event — a sale, refinancing or liquidity milestone — rather than standard amortisation.
- An equity-linked feature such as warrants or a conversion option can help price the risk for the lender.
How We Approach It
We examine where a conventional facility falls short — usually collateral coverage or repayment timing — and structure a subordinated or hybrid instrument sized to close that gap, matched to lenders and funds who underwrite this kind of risk.
Why EquiFin
- Independent advisory — we structure and negotiate, we do not lend ourselves.
- 60+ active lender relationships across PSU banks, private banks, NBFCs and private credit funds.
- One point of contact from structuring through to disbursement.
Frequently Asked Questions
How is structured debt different from a standard term loan?
Structured debt is typically subordinated to senior lenders and may carry an equity-linked feature or event-based repayment, whereas a standard term loan is senior-secured with fixed amortisation.
Who lends structured debt in India?
Structured debt is typically provided by NBFCs, AIFs and private credit funds comfortable underwriting subordinated risk, rather than by banks.
See what documents lenders typically ask for — Documents Required for a Corporate Loan →
60+ Active Lender Relationships · Independent Advisory, Not a Lender
Structured Debt Bridges What Standard Debt Can't.
We design the instrument around the gap, not a template.
Discuss a Structured Debt Requirement