Surrogate Funding Advisory & Debt Syndication
Leverage banking surrogates, industry gross margin ratios, and peer benchmarks to unlock collateral-free capital. Specially structured for Indian growth enterprises and mid-market corporates requiring debt funding from ₹1 Cr to ₹500 Cr.
Surrogate Funding
Surrogate Funding is an institutional credit facility structured under our Requirement Without Collateral framework. It directly addresses the operational mandate: "Funding needed but collateral is unavailable/insufficient."
Our core advisory role: Assess repayment capacity primarily through business performance and cash flows rather than hard collateral. We match your credit profile with underwriting norms across 50+ PSU banks, private banks, and specialized NBFCs.
By tailoring margins, security charges, and repayment cash flows to your business cycle, SME PAISA ensures maximum borrowing limits with minimal collateral lock-in and zero upfront fees.
Key Strategic Benefits
Surrogate Funding
Structured specifically to avoid cash-flow bottlenecks and optimize borrowing costs.
How This Facility Operates
From initial diagnostic appraisal and credit memo preparation to multi-lender syndication and seamless disbursement.
Financial Diagnostic & Facility Sizing
Comprehensive review of last 3 years financials, GST reconciliations, drawing power, and existing banking lines to structure optimal limits.
Credit Memorandum & Financial Modeling
Formulation of institutional-grade CMA data, projection models, and debt-service stress tests complying with RBI credit norms.
Multi-Lender Syndication & Term Sheets
Simultaneous representation before credit committees across 50+ banking partners to generate competing sanction letters.
Documentation & Disbursement Execution
Negotiation of sanction covenants, security creation, ROC hypothecation charges, and legal documentation till account credit.
Eligibility & Documentation Checklist
Standard underwriting criteria across our network of 50+ scheduled commercial banks and institutional NBFCs.
Primary Eligibility Norms
BENCHMARKSEven if your financial ratios fall slightly outside conventional bank parameters, our credit advisory team structures mitigating covenants, secondary collateral, or multi-banking facilities to secure approvals.
Required Documentation Checklist
48-72 HRSKeep these documents ready to fast-track your proposal review within 48 to 72 hours:
Calculate Limits & Financial Costs
Use our proprietary financial calculators to simulate borrowing capacity, drawing power, and debt service coverage before submitting to credit committees.
Working Capital MPBF Calculator
Simulate facility parameters, cash flows, and interest outgo.
Drawing Power Calculator
Simulate facility parameters, cash flows, and interest outgo.
Business Loan EMI Calculator
Simulate facility parameters, cash flows, and interest outgo.
Why Corporates Trust Our Structuring Desk
We do not lend from our own books. Our sole mandate is generating competing term sheets from 50+ banking partners to deliver lowest borrowing costs.
50+ Lending Partners
Direct access to credit committees across India's premier public sector, private commercial, and specialized NBFC lenders.
100% Conflict-Free Pure Advisory
We do not lend from our balance sheet or operate with lender-biased volume targets or hidden commissions.
Government Scheme Maximisation
Integrating PLI, CGTMSE credit guarantees, TReDS, and Priority Sector lending benefits into your credit structure.
End-to-End Execution till Drawdown
Hands-on management from initial financial diagnostic through to term sheet sanction, security creation, and fund disbursement.
Questions About Surrogate Funding
Key operational, structural, and regulatory details for this credit facility.
Structure your Surrogate Funding with optimal pricing.
Speak directly with our debt syndication team to structure your facility across our 50+ banking partners.
Ready to Access the Right Funding Solution for Your MSME?
Share your business details - our advisory team will map the right capital structure and connect you with the right partners, fast.
