Structured Finance for Complex Business Needs , Beyond Standard Business Loans
A standard business loan is built for straightforward needs: working capital, equipment, expansion. It is not built for ₹50 crore project financing.
Mid-market companies , those doing ₹10 crore to ₹500 crore in revenue , sit in a structural gap. Too large for retail MSME products. Too small to access the capital markets and investment banks.
DealPlexus Business Finance brings investment banking discipline to mid-market structured financing. We design the capital structure, identify the right combination of debt instruments and lenders, and execute.
Why Standard Business Loans Fail Mid-Market Companies
A ₹10 crore business loan from a PSU bank has a well-defined process. A ₹75 crore project financing does not. Here is where the standard product breaks down.
Loan Size Mismatch , The ₹10 Crore Ceiling.
Standard MSME products top out at ₹5–10 crore in most cases. Mid-market capital needs of ₹20–200 crore require lenders with structured credit mandates and deal teams , not retail banking officers.
A ₹75 crore project financing for a manufacturing facility cannot be served by a standard business loan product.
Single-Lender Risk for Large Deals.
One bank providing ₹80 crore in project debt creates concentration risk and gives that lender disproportionate covenant and control leverage.
A properly structured deal syndicates across 3–5 lenders at different seniority levels. This reduces concentration risk and improves negotiating leverage.
Instrument Mismatch , Using the Wrong Tool.
Working capital lines, term loans, non-fund-based facilities (bank guarantees, LCs), and structured non-convertible debentures are priced and structured differently.
Using the wrong instrument for the wrong need increases cost and reduces flexibility. Standard loan brokers do not have the capability to distinguish between these.
Acquisition and M&A Blind Spots.
When a mid-market company wants to acquire a competitor or take a strategic stake, they need acquisition finance structures.
Leveraged buyout debt, bridge loans, and deferred consideration facilities are structures that no standard business loan product covers. DealPlexus structures these.
Invoice and Receivables Finance , Capital Sitting Idle.
Companies with large B2B receivable portfolios , often ₹5–50 crore outstanding at any time , are sitting on capital they cannot access.
Invoice discounting and supply chain finance platforms unlock this capital at 9–12% p.a. without touching their credit lines.
Four Products. Different Capital Structures. One Execution Team
Standard business loans are built for straightforward needs. When your capital requirement is complex , project finance, acquisition funding, receivables monetization, or structured instruments , you need lenders with structured credit mandates and advisors who know how to access them.
Risk Level
Deal Size
₹20 Cr – ₹500 Cr+
Timeline
45–90 Days
Project Finance , Infrastructure, Manufacturing, Renewable Energy
Project finance structures debt against the cash flows and assets of the project , not against the promoter's personal balance sheet. This protects promoter assets, allows higher leverage, and matches repayment to project revenue cycles. DealPlexus prepares the project Information Memorandum, financial model, lender approach list, and term sheet negotiation , end to end.
Risk: Project cash flow risk mitigated through lender syndication and structure.
Returns: Cost depends on project risk profile. Typically 9–13% for senior debt, 16–22% for mezzanine tranches.
Timeline: 45–90 days from mandate to first disbursement. Documentation-intensive.
Suited for: Infrastructure developers, renewable energy projects, manufacturing expansion, real estate developers with asset-backing.
Project finance is not a standard loan. It requires investment banking-grade structuring.
Risk Level
Deal Size
₹1 Cr – ₹200 Cr
Timeline
3–10 Days
Invoice Discounting / Supply Chain Finance
Invoice discounting is the lowest-cost form of working capital , because the credit risk is on the buyer (typically an investment-grade corporate), not the seller. Rates typically run 9%–13% p.a., well below unsecured business loan rates. For companies supplying to PSUs, listed corporates, or large private sector buyers, this is typically the cheapest and fastest working capital solution available.
Risk: Buyer credit risk. Investment-grade corporate buyers = lowest rates. MSME buyers = higher risk premium.
Returns: For your company, this is cheaper than unsecured working capital. For the buyer, your cost of capital doesn't change.
Timeline: 3–10 days for TReDS onboarding and first discount. Recurring , once onboarded, subsequent discounts are faster.
Suited for: B2B suppliers with ₹3 Cr+ in receivables from corporate or government buyers. Auto components, pharma, FMCG suppliers.
TReDS onboarding, platform selection, and buyer credit evaluation , we handle it all.
Risk Level
Deal Size
₹10 Cr – ₹300 Cr
Timeline
30–60 Days
M&A Financing , Acquisition Debt, Bridge Loans, LBO Structures
Standard business loans are not designed for acquisitions. The collateral is the target company's assets. The repayment comes from the target's cash flows post-integration. The structure requires lenders with M&A credit experience. DealPlexus integrates with M&A advisory for combined debt + advisory mandates , valuation, due diligence, transaction structuring, and debt simultaneously.
Risk: Target business integration risk. Post-acquisition cash flow must service acquisition debt.
Returns: Strategic upside from acquisition. The cost of debt is secondary to acquisition IRR.
Timeline: Bridge: 7–30 days. Term acquisition facility: 30–60 days. Both run parallel to M&A process.
Suited for: Mid-market companies acquiring competitors, brands, or strategic assets. Private equity-backed acquisitions.
Full integration with DealPlexus M&A advisory for combined debt + advisory mandates.
Risk Level
Deal Size
₹5 Cr – ₹200 Cr
Timeline
30–90 Days
Structured Products , Mezzanine, Promoter Funding, ECB, Distressed Resolution
Mid-market companies with complex capital needs require solutions beyond term loans. Mezzanine financing for companies that cannot support pure debt. Promoter funding against shareholding for short-term liquidity. Overseas borrowing (ECB) for eligible companies at 3–5% below domestic rates. Distressed debt resolution for NPA situations. DealPlexus structures these , standard loan brokers do not.
Risk: Varies by instrument. Mezzanine = hybrid risk. ECB = forex risk. Distressed resolution = turnaround execution risk.
Returns: Mezzanine IRR: 16–22%. ECB savings: 3–5% below domestic. Promoter funding: bridge cost vs equity dilution.
Timeline: Mezzanine: 30–60 days. ECB: 60–90 days (includes RBI approval). Distressed resolution: 60–180 days.
Suited for: Companies at growth inflection points. Promoters needing short-term liquidity. Businesses with stressed loans seeking refinancing.
Complex capital needs require complex solutions , DealPlexus structures them.
This Is Not a Loan Application. It's a 45-Minute Conversation.
Tell us your business, your capital requirement, and what you have already tried. We assess whether a structured solution exists, what it would cost, and whether we are the right team to execute it. No obligation. No pitch deck required.
Tell us your business, your capital requirement, and what you have already tried.
We assess whether a structured solution exists and what it would cost.
We confirm whether we are the right team to execute it , no obligation, no pitch deck required.
If after the consultation you decide to proceed, we structure the deal, syndicate lenders, and execute. If you don't , you leave with a clearer understanding of your options. Either way, 45 minutes is a worthwhile investment.
DealPlexus Business Finances has structured transactions from ₹5 crore to ₹500 crore across project finance, acquisition financing, invoice discounting, and structured products.
Preferred: Email a brief on your requirement (company overview, deal size, use of funds, timeline) and we will respond within one business day.
45 minutes. No obligation. No pitch deck required.
Selected Deal Types Executed , ... in Closed Deal Value
Project finance for renewable energy plant
4-lender syndication, 12-year tenor
Acquisition bridge for FMCG brand acquisition
180-day bridge to strategic equity close
Invoice discounting program for auto-components supplier to Maruti Suzuki
TReDS onboarding, 9.8% effective cost
Structured NCD issuance for real estate developer
Private placement to 3 debt funds
Promoter funding against listed equity
90-day bridge for working capital requirement
What We Bring to Every Transaction
| Capability | Standard Broker | DealPlexus |
|---|---|---|
| Loan products only | Yes | No , full instrument range |
| Single lender referral | Yes | No , multi-lender syndication |
| Deal structuring advice | No | Yes , IB-trained team |
| IM / financial model preparation | No | Yes |
| Covenant negotiation | No | Yes |
| Access to AIFs and family offices | No | Yes |
| M&A and advisory integration | No | Yes |
| Post-close monitoring | No | Yes (for complex structures) |
Structured Finance
Structured Finance for Complex Business Needs
Project Finance · Invoice Discounting · M&A Financing · Structured Products , Investment banking discipline applied to mid-market structured financing. One advisory team. Complete execution support.
Deal Size
₹5Cr–500Cr+
Professionals
30,753+
Deal Value
₹2,081 Cr+
Schedule Your Structured Finance Consultation
Tell us your business, your capital requirement, and what you have already tried. We assess whether a structured solution exists and whether we are the right team to execute it. No obligation. No pitch deck required.
45-minute conversation. No obligation. One advisor. Full transparency.
DealPlexus , India's Financial Supermarket | Investment Banking and Structured Finance Advisory | Gurgaon HQ: 443, 4th Floor, Tower A2, Spaze iTech Park, Sohna Road, Gurgaon 122001 | support@dealplexus.com | +91 7428100654
All structured finance transactions are subject to lender approval, documentation compliance, and regulatory requirements. DealPlexus acts as a financial advisory and intermediation platform , not a direct lender. Transaction timelines, rates, and terms are indicative and subject to final lender assessment.