Structured Finance Loans in India
Customized Corporate Debt, Project Finance, Mezzanine Funding, Promoter Financing, Acquisition Finance and Structured Capital Solutions.
LoansBazaar India | Corporate Finance & Loan Assistance Across India
Apply Now EMI CalculatorWhat is Structured Finance?
Structured finance loans are customized, non-standard credit solutions designed for complex corporate and institutional funding requirements. These may include mezzanine debt, promoter financing, project finance, cash-flow securitization, holdco debt and other transaction-specific funding structures.
Unlike conventional retail loans, structured finance terms are negotiated based on transaction size, collateral, repayment capacity, business cash flows and overall risk profile.
Key Structured Finance Solutions
Corporate Structured Debt
Customized corporate funding structures for eligible enterprises.
Mezzanine Finance
Hybrid debt and equity-linked financing solutions.
Project Finance
Funding based on project viability and projected cash flows.
Promoter Financing
Eligible promoter-level and share-pledge financing structures.
Cash Flow Securitization
Funding structures based on eligible receivables and cash flows.
Acquisition & Holdco Debt
Customized acquisition and holding-company financing.
Commercial Banks (Public & Private)
Commercial banks typically participate in large, senior-secured debt tranches, project syndications and asset-backed corporate facilities.
| Bank / Institution | Min Amount | Max Amount | Typical Tenure | Interest Rate (p.a.) | Processing Fee | Apply / Calculate |
|---|---|---|---|---|---|---|
| State Bank of India (SBI) | ₹50 Crore | ₹5,000+ Crore (syndicated) | 3 to 15 years | 8.50% – 11.50% (spread over MCLR/RBLR) | 0.50% – 1.25% + GST | Apply NowEMI Calculator |
| HDFC Bank | ₹25 Crore | ₹2,500+ Crore | 2 to 10 years | 8.75% – 12.00% | 0.50% – 1.50% + GST | Apply NowEMI Calculator |
| ICICI Bank | ₹25 Crore | ₹2,500+ Crore | 2 to 10 years | 8.75% – 12.00% | 0.50% – 1.50% + GST | Apply NowEMI Calculator |
| Axis Bank | ₹20 Crore | ₹2,000+ Crore | 2 to 10 years | 9.00% – 12.25% | 0.50% – 1.50% + GST | Apply NowEMI Calculator |
| Kotak Mahindra Bank | ₹20 Crore | ₹1,500+ Crore | 1 to 7 years | 9.25% – 12.50% | 0.75% – 1.75% + GST | Apply NowEMI Calculator |
Non-Banking Financial Companies (NBFCs)
NBFCs provide flexible structures such as mezzanine funding, promoter/share pledge financing, acquisition financing and real estate project debt.
| NBFC Lender | Min Amount | Max Amount | Typical Tenure | Interest Rate (p.a.) | Processing Fee | Apply / Calculate |
|---|---|---|---|---|---|---|
| Tata Capital Financial Services | ₹10 Crore | ₹500+ Crore | 1 to 7 years | 10.50% – 15.00% | 1.00% – 2.00% + GST | Apply NowEMI Calculator |
| Aditya Birla Finance | ₹10 Crore | ₹750+ Crore | 1 to 7 years | 11.00% – 15.50% | 1.00% – 2.00% + GST | Apply NowEMI Calculator |
| Bajaj Finance (Corporate/SME) | ₹5 Crore | ₹500+ Crore | 1 to 5 years | 10.50% – 14.50% | 1.00% – 2.00% + GST | Apply NowEMI Calculator |
| Piramal Capital / Specialized NBFCs | ₹15 Crore | ₹1,000+ Crore | 1 to 6 years | 12.00% – 17.00% (often with IRR covenants) | 1.50% – 2.50% + GST | Apply NowEMI Calculator |
| L&T Finance Holdings | ₹15 Crore | ₹500+ Crore | 2 to 8 years | 10.00% – 14.50% | 1.00% – 2.00% + GST | Apply NowEMI Calculator |
Small Finance Banks (SFBs)
Small Finance Banks operate under applicable RBI regulatory requirements and exposure norms. Their potential structured-finance participation may include eligible MSME term loans, lower-mid-market corporate facilities and pool securitization transactions.
| Small Finance Bank | Min Amount | Max Amount | Typical Tenure | Interest Rate (p.a.) | Processing Fee | Apply / Calculate |
|---|---|---|---|---|---|---|
| AU Small Finance Bank | ₹1 Crore | ₹25 – ₹40 Crore | 1 to 7 years | 11.50% – 16.00% | 1.25% – 2.25% + GST | Apply NowEMI Calculator |
| Equitas Small Finance Bank | ₹50 Lakh | ₹20 – ₹30 Crore | 1 to 5 years | 12.00% – 16.50% | 1.50% – 2.50% + GST | Apply NowEMI Calculator |
| Ujjivan Small Finance Bank | ₹50 Lakh | ₹15 – ₹25 Crore | 1 to 5 years | 12.50% – 17.00% | 1.50% – 2.50% + GST | Apply NowEMI Calculator |
| Jana Small Finance Bank | ₹50 Lakh | ₹15 – ₹20 Crore | 1 to 5 years | 13.00% – 17.50% | 1.50% – 2.50% + GST | Apply NowEMI Calculator |
Structured Finance Eligibility Criteria
Business Cash Flows
Predictable operating cash flows or established payment history.
Institutional Scale
Established corporates, mid-market enterprises and eligible projects.
Eligible Asset Pools
Trade receivables, supply-chain contracts, property and other eligible assets.
Audited Financials
Financial statements, tax records and operational track record.
Repayment Capacity
Debt servicing ability and viable financial projections.
Legal Compliance
Company documentation, due diligence and applicable regulatory requirements.
List of Documents (LOD)
- Company incorporation certificate, PAN and GST registration.
- Audited balance sheets, profit and loss statements and cash flow statements.
- Last 12 months bank statements.
- Business plan and detailed project report.
- Collateral documents and asset valuation reports, where applicable.
- Promoter and director KYC documents.
- Existing borrowing and repayment details.
- Trade receivables, invoices and contractual cash-flow statements, where relevant.
- SPV and transaction documentation, where applicable.
- Legal and statutory compliance documents.
Structured Finance Loans in India
Explore customized corporate funding solutions, structured debt, project finance, promoter funding, acquisition finance, asset-backed lending and strategic capital solutions for eligible businesses and institutions.
Apply Now → Calculate EMI Talk to ExpertWhat is Structured Finance?
Structured finance refers to customized financing arrangements designed for businesses with complex funding requirements that may not fit conventional loan products.
These solutions can be structured around business cash flows, receivables, project economics, eligible assets, collateral, contractual income and the overall financial position of the borrower.
LoansBazaar India assists businesses in exploring suitable financing opportunities through its banking and NBFC lender network.
Submit Your Finance Enquiry →Who can explore structured funding?
- Large and mid-sized corporates
- Established private limited companies
- Infrastructure and real estate developers
- Manufacturing and industrial companies
- Project developers and contractors
- Businesses with substantial receivables
- Companies planning mergers or acquisitions
- Eligible institutions and business groups
Our Structured Finance Solutions
Explore customized funding structures based on business requirements, transaction size, asset quality and lender assessment.
Corporate Structured Debt
Customized corporate borrowing solutions for established businesses with complex capital requirements.
Project Finance
Funding opportunities for eligible infrastructure, industrial, commercial and development projects.
Mezzanine Finance
Hybrid debt and equity-linked funding structures for suitable corporate transactions.
Promoter Financing
Explore eligible promoter-level funding and capital restructuring solutions subject to lender policies.
Acquisition Finance
Financing solutions for eligible business acquisitions, strategic investments and expansion transactions.
Holdco / Corporate Debt
Customized holding-company and corporate-level financing structures for eligible transactions.
Receivable Financing
Explore funding against eligible invoices, trade receivables and contractual payment obligations.
Cash Flow Financing
Funding structures evaluated around predictable operating cash flows and business collections.
Securitization & PTC
Structured asset-pool financing and securitization opportunities for eligible originators and institutions.
Asset-Backed Finance
Financing against eligible machinery, equipment, property and other business assets.
Syndicated Finance
Explore multi-lender funding arrangements for large-ticket corporate and infrastructure requirements.
NCD & Structured Debt
Explore eligible non-convertible debenture and privately structured debt funding opportunities through appropriate institutions.
Explore All Business & Loan Products
LoansBazaar India provides loan enquiry and application assistance across multiple financial product categories.
Home Loan
Purchase, construction, balance transfer and top-up options.
Apply Now →Business Loan
Business expansion, working capital and eligible enterprise funding.
Apply Now →Personal Loan
Unsecured personal financing subject to income and credit assessment.
Apply Now →Car Loan
New and used car financing options through participating lenders.
Apply Now →Loan Against Property
Eligible residential and commercial property-backed funding.
Apply Now →MSME Loan
Business loans for eligible micro, small and medium enterprises.
Apply Now →Overdraft Facility
Flexible working capital limits for eligible business borrowers.
Apply Now →Cash Credit Facility
Working capital assistance against eligible stock and receivables.
Apply Now →Machinery & Equipment Loan
Financing for industrial machinery, plant and business equipment.
Apply Now →Gold Loan
Funding against eligible gold assets through participating lenders.
Apply Now →Industrial Expansion Finance
Funding for capacity expansion, modernization and industrial development.
Apply Now →Consortium Finance
Multi-bank financing for eligible large corporate requirements.
Apply Now →Banking & Institutional Finance Network
Explore potential funding channels through participating banks, NBFCs and other eligible financial institutions.
Public Sector Banks
SBI and other public sector banking institutions for eligible corporate, project and asset-backed facilities.
Private Sector Banks
HDFC Bank, ICICI Bank, Axis Bank, Kotak Mahindra Bank and other participating institutions.
NBFCs & Financial Institutions
Tata Capital, Aditya Birla Finance, Bajaj Finance, Piramal Capital, L&T Finance and other eligible lenders.
Lender names are illustrative examples of financial institutions, not confirmation of an active lending tie-up or guaranteed product availability. Final lender selection is subject to eligibility and institutional policies.
Why Choose LoansBazaar India?
Professional loan enquiry and application assistance for individuals, entrepreneurs and corporate borrowers across India.
100+ Lender Network
Explore available options across participating banks and NBFCs.
15+ Years Experience
Experience in financial services and loan assistance.
Multiple Loan Options
Compare available financing options based on borrower requirements.
Document Assistance
Guidance with application preparation and required documents.
PAN India Assistance
Loan enquiry support across India through digital and remote channels.
Nil Service Charges
No service charges from LoansBazaar India for its standard loan enquiry assistance, subject to applicable lender charges and terms.
Structured Finance Eligibility
Eligibility is determined by the transaction structure, financial strength, underlying assets and participating lender's credit policy.
- Registered company, LLP or eligible business entity.
- Established business and operational track record.
- Audited financial statements and tax compliance.
- Viable project report and business cash flow projections.
- Acceptable repayment capacity and debt servicing ability.
- Eligible collateral, assets or receivable portfolio, wherever required.
- Promoter background and credit profile assessment.
- Legal, regulatory and transaction due diligence.
Documents Required
- Company PAN and incorporation certificate.
- GST registration and business KYC.
- Directors' / promoters' KYC.
- Last 3 years audited financial statements.
- Last 12 months bank statements.
- Income tax returns and GST returns.
- Existing loan and repayment details.
- Project report and financial projections.
- Property / collateral documents, if applicable.
- Contracts, invoices and receivable statements, if applicable.
Additional documents may be required depending on the transaction and lender.
Our Financing Assistance Process
A structured process to help borrowers explore suitable financing opportunities.
Understand Requirements
Share your business profile, funding amount and financing objective.
Explore Options
Review potential lender and funding structures based on available information.
Prepare Documents
Organize financial statements, KYC and transaction documents.
Submit Application
Proceed with an application to the appropriate participating lender.
Lender Assessment
The lender conducts independent credit, legal and financial due diligence.
Track Application
Follow up on application progress and lender communication.
Loan EMI Calculator
Estimate your monthly loan installment, total interest payable and overall repayment amount using your proposed loan amount, interest rate and tenure.
- Calculate monthly EMI instantly.
- View estimated total interest.
- Understand total repayment amount.
- Adjust loan amount, rate and tenure.
Quick EMI Calculator
Estimated Monthly EMI
₹21,247Total Interest: ₹2,74,820
Total Repayment: ₹12,74,820
Illustrative calculation. Actual EMI depends on lender terms, repayment frequency, disbursement and applicable charges.
Frequently Asked Questions
What is the minimum amount for structured finance?
There is no universal minimum. Ticket size depends on the transaction, borrower profile, asset quality and lender's funding policy. Large corporate structures generally involve substantial funding requirements.
Which businesses can apply for structured finance?
Eligible corporates, infrastructure companies, manufacturing businesses, real estate developers and other established enterprises may explore structured finance subject to lender criteria.
Can structured finance be unsecured?
Some structures may be partially secured or based on eligible cash flows and receivables. Security, guarantees and recourse arrangements depend on the specific transaction.
What is the interest rate for structured finance?
Rates are negotiated based on transaction risk, borrower creditworthiness, collateral, tenure, cash flows and lender pricing. There is no single applicable rate for all transactions.
How long does the financing process take?
Timelines depend on transaction complexity, financial and legal due diligence, documentation, lender approvals and required regulatory processes.
Does LoansBazaar India provide direct loan approval?
No. LoansBazaar India provides loan enquiry, comparison and application assistance. Final credit decisions, interest rates, sanction and disbursement are determined solely by the respective lender.
How can I submit a structured finance enquiry?
Visit our online loan application page or contact our team with your funding requirement, business profile and basic financial information.
Looking for Corporate Funding Solutions?
Share your corporate financing requirement with our team and explore available funding opportunities across India.
Apply Now – Online Enquiry Call Our Team WhatsApp UsWebsite: loansbazaarindia.com
Email: info@loansbazaarindia.com
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Office: Barwa Shuklpur, Meja, Prayagraj, Uttar Pradesh 212305, India