Business Loans
Structured financing from 4% p.a.
Allumer Fintech is a financial intermediary specialising in facilitating structured private debt, equity, and hybrid financing for businesses across sectors. We provide exclusive access to a curated network of high-net-worth investors and institutional funding partners, including cross-border capital from the Middle East and beyond.
We act as a trusted bridge between borrowers and investors — managing the end-to-end transaction process from initial introduction through to disbursement, with structured documentation that protects the interests of all parties throughout the lifecycle of the transaction.
Structured Private Debt
Access institutional private debt at rates from 4%–9% p.a. with tenures and moratorium periods tailored to your cash flow.
Equity
Equity participation structured on a basis mutually agreed between the borrower and the investor, with investor representation on the board for long-term alignment.
Hybrid
Hybrid structures designed to balance control and capital — combining debt and equity components to match the project's profile.
Indicative Terms Summary
Transparent, structured terms
All terms below are indicative and subject to due diligence outcomes, investor assessment, and bilateral negotiation. Final terms will be documented in the MoU and Investment Agreement.
Funding Type
Debt / Equity / Hybrid — structured on a basis mutually agreed between the borrower and the investor.
Applicable Sectors
All sectors considered — real estate, manufacturing, infrastructure, and others.
Loan Tenure
To be agreed between the borrower and the investor.
Moratorium Period
To be discussed and agreed based on the project's cash flow profile.
Indicative Timeline
60–90 International Working Days (varies from case to case).
Feasibility Analysis Charges
Payable by the borrower after LOI and invoice from the investor's team. Reimbursed with the 1st tranche of investment.
Travel & Accommodation
Borne by the borrower for investor meetings, site visits, and consultant travel. Reimbursed with the 1st tranche.
Expense Reimbursement
All borrower-borne expenses reimbursed along with the 1st tranche of investment, as per the Investment Charter.
Facilitation Fee
Payable upon disbursement of funds, per the terms of the NCND Agreement.
Interest Rate Schedule
Indicative rates by borrower category
Indian Companies — General
4.0% – 7.0%
per annum
Indian Companies — Real Estate
5.5% – 9.0%
per annum
Companies Outside India
3.5% – 5.5%
per annum
All rates are indicative and subject to due diligence, investor discretion, and bilateral negotiation. Final rates will be documented in the MoU and Investment Agreement.
The Funding Process
15 structured stages, one managed journey
From initial introduction to final disbursement and expense reimbursement, the process runs through 15 structured stages with an indicative timeline of 60–90 International Working Days. The full stage-by-stage guide — including the document checklist and agreement templates — is in the Process Overview PDF.
- 01Introduction & Scoping
- 02NCND Execution
- 03Funding Proposal & Fund Utilisation Plan Submission
- 04Investor Video Conference
- 05In-Person Investor Meeting
- 06Investor Feedback
- 07NDA Execution
- 08Document Checklist
- 09Letter of Intent (LOI)
- 10Feasibility Analysis — Preparation & Payment
- 11MoU Signing
- 12Quantification, Structuring & Internal Due Diligence
- 13Interim Investment Agreement (if applicable)
- 14Definitive Documentation
- 15Further Steps, Disbursement & Reimbursement
Ready to begin?
We look forward to facilitating your funding journey. Reach out to initiate the process.