Structured Finance Advisory.
When a financing need doesn't fit standard term debt — because of the collateral available, the repayment profile, or the stage of the business — structured finance blends debt, subordination and sometimes equity-linked features to close that gap.
Hybrid Instruments · Subordinated Structures · Tailored Repayment Design
Where This Applies
- Plain-vanilla term debt doesn't fit the collateral profile or repayment timeline of the transaction.
- A financing gap exists between what senior lenders will underwrite and what the transaction actually needs.
- The promoter wants to limit dilution while still raising capital beyond conventional debt capacity.
- Repayment needs to be tailored to a specific cash flow event rather than a standard amortisation schedule.
How We Approach It
We start from the constraint — collateral, cash flow timing, or ownership dilution the promoter wants to avoid — and work backward to a structure a lender will actually underwrite, drawing on mezzanine, structured debt and bridge instruments as fits the case.
Where Structured Finance Sits in the Capital Stack
Structured instruments exist specifically to bridge the gap between senior debt and pure equity — each layer carries a different cost, risk and claim priority.
Illustrative only — the actual mix, sizing and sequencing of layers depends on the transaction, collateral available and independent lender appraisal.
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
What makes financing "structured" rather than standard?
Structured finance uses subordination, tailored repayment triggers, or equity-linked features to fit a specific situation, rather than the fixed collateral and amortisation terms of a standard term loan.
When does a business need structured finance instead of standard debt?
Typically when the collateral available, the cash flow timing, or the amount needed falls outside what a standard secured lender will underwrite on its own.
See what documents lenders typically ask for — Documents Required for a Corporate Loan →
60+ Active Lender Relationships · Independent Advisory, Not a Lender
When Standard Debt Doesn't Fit, Structure Does.
We design financing around the situation, not the other way around.
Discuss a Structured Finance Requirement