Debt · Equity · Real Estate · Technology

Capital, structured the right way for your business.

Vinest is a full-spectrum financial consultancy — eight specialised practices spanning loans, equity, M&A, real estate, working capital and lending technology, under one relationship.

8Specialised practices
25+Lending & finance partners
End-to-endAdvisory to disbursal & close
What we do

Eight practices. One relationship.

Each practice has its own dedicated desk and specialists. Tap any service to jump to a short brief on how it works and what Vinest handles.

Service 01 — Debt

Loan Syndication

Loan syndication is the process of arranging debt for a borrower — whether that means matching you to a single best-fit lender, or bringing several banks and NBFCs together into one consortium for a large facility. Vinest sits between you and the lending market: we assess your requirement, structure the proposal to maximise eligibility, place it with the right lenders, and negotiate rate, tenure and terms on your behalf.

We work across every category of debt, from a small personal loan to multi-crore project finance — with one point of contact and a proposal engineered to be sanctioned, not just submitted.

How the process works

  • Understand — requirement, financials, collateral and timeline; no fees to start
  • Structure — the right product and lenders, with maximised eligibility
  • Negotiate — multiple offers side by side on rate, tenure and terms
  • Disburse — documentation and follow-through until funds hit your account
SECURED / 01Secured LoansBacked by collateral — lowest rates, highest ticket sizes
UNSECURED / 02Unsecured LoansCashflow-based business & personal credit, no collateral
LAP / 03Loan Against PropertyFunds against property while retaining ownership
LAS / 04Loan Against SecuritiesLiquidity against shares, MFs & bonds — no selling
PROJECT / 05Project FinanceLong-tenure funding for greenfield & expansion
BL / 06Business LoanWorking capital, term loans & CC/OD limits
PL / 07Personal LoanFast, collateral-free credit for individuals
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Service 02 — Equity

Equity

Debt isn't always the answer. When a business needs permanent capital to scale — or an investor wants access to high-growth opportunities before they list — Vinest's equity practice steps in. We advise companies raising private capital, guide them toward the public markets, and connect investors with pre-IPO and startup opportunities.

For companies raising

  • Positioning, financial storytelling and investor-ready materials
  • Valuation support and deal structuring
  • Introductions to PE funds, family offices, HNIs and anchor investors
  • IPO readiness — coordinating merchant bankers, auditors and legal counsel to listing

For investors

  • Curated pre-IPO and unlisted share opportunities
  • Diligence support and structured entry

Equity investments are subject to market risk. Vinest provides advisory and facilitation, not guaranteed returns.

PRE-IPO / 01Pre-IPO PlacementCapital from institutions & HNIs before listing; unlisted shares for investors
IPO / 02IPO AdvisoryMainboard & SME IPO readiness through to listing day
STARTUP / 03Startup FundraisingSeed to growth rounds — pitch, valuation & investor intros
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Service 03 — M&A

Mergers & Acquisitions

An acquisition or exit is often the single biggest transaction in a company's life. Vinest's M&A practice guides both buyers and sellers through it — from first conversation to signed agreement — keeping the process disciplined, confidential and value-focused.

Our role across a deal

  • Strategy — defining what a good deal looks like and finding it
  • Valuation — grounded, defensible numbers on both sides of the table
  • Due diligence — coordinating financial, legal and commercial review
  • Negotiation — terms, structure and price, with your interests first
  • Close & integration — from term sheet to completion and beyond
BUY-SIDE / 01Buy-Side AdvisoryTarget search, valuation, diligence & negotiation for acquirers
SELL-SIDE / 02Sell-Side AdvisoryPositioning, buyer outreach & deal management to maximise value
STRUCTURE / 03Deal StructuringStructure, funding & integration planning for a clean close
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Service 04 — Real Estate

Corporate Real Estate

Real estate transactions are capital-heavy and structurally complex. Vinest advises developers, corporates and investors on funding and structuring large real estate and land deals — bringing together the right lenders, the right structure, and the right terms.

Typical mandates

  • Construction finance and project funding for developers
  • Lease rental discounting (LRD) against rent-yielding assets
  • Structured and mezzanine capital for stalled or expanding projects
  • Advisory on large land acquisitions and commercial property transactions
FUNDING / 01Real Estate FinanceConstruction, project & LRD finance for developers & owners
DEALS / 02Transaction AdvisoryStructuring large land & commercial property deals
CAPITAL / 03Structured CapitalMezzanine, promoter & structured funding for projects
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Service 05 — Technology

Software Services — LOS & LMS

We've sat on both sides of the lending desk, so our technology practice helps lenders choose, implement and optimise the systems that run their business. Whether you're a new-licence NBFC setting up your first stack or an established lender replacing a legacy platform, Vinest maps requirements to the right software and manages the rollout.

What implementation covers

  • Requirement mapping and vendor evaluation
  • Implementation, data migration and UAT management
  • Credit rule engines (BRE) and policy digitisation
  • Bureau, KYC, e-sign, e-NACH and banking API integrations
  • Collections, co-lending, securitisation and regulatory reporting modules
LOS / 01Loan Origination SystemSourcing to sanction — leads, KYC, appraisal, deviations, sanction letters
LMS / 02Loan Management SystemPost-disbursal — EMI, accounting, restructuring, collections, NPA, closure
INTEGRATE / 03IntegrationsBureau, KYC, e-sign, e-NACH, banking APIs & co-lending
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Service 06 — Advisory

NBFC Advisory

Setting up and running a Non-Banking Financial Company involves a maze of regulatory, capital and operational requirements. Vinest guides promoters through the entire journey — obtaining the RBI licence, raising capital, building the technology and compliance backbone, and scaling the loan book.

End-to-end support

  • NBFC registration and RBI licence application
  • Net owned fund (NOF) and capital structuring
  • Debt lines, co-lending partnerships and securitisation
  • Policy, compliance framework and RBI reporting
  • Technology stack — including LOS/LMS via our software practice
SETUP / 01Setup & LicensingCompany formation, RBI application & approval support
CAPITAL / 02Capital & FundingNOF planning, debt lines, co-lending & securitisation
COMPLY / 03Compliance & OpsRBI compliance, audits, policies & process setup
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Service 07 — Advisory

Other Advisories

Beyond arranging capital, businesses often need specialist financial counsel. Vinest's advisory desk offers focused, independent support across restructuring, ratings, valuation and other bespoke mandates — the kind of work that needs experience and independence.

Other mandates we take on

  • Working-capital assessment and banking arrangement reviews
  • Financial modelling and projections for lenders and investors
  • CMA data preparation and lender presentations
  • One-off strategic and transaction advisory
RESTRUCTURE / 01Debt RestructuringReworking tenure, rate & terms to ease cashflow
RATING / 02Credit Rating AdvisoryPreparing for & improving agency rating outcomes
VALUE / 03ValuationBusiness & asset valuations for raises, M&A & compliance
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Service 08 — Working Capital

Factoring & Discounting

Money stuck in unpaid invoices is money you can't use. Factoring and bill discounting free that working capital early — you get paid now instead of waiting 30, 60 or 90 days. Vinest arranges both domestic and international facilities, matching each invoice to the right funder across a network of eight specialist lenders.

Domestic factoring & discounting

  • Invoice discounting — up to ~90% of invoice value in days, off balance sheet
  • Factoring — sell receivables for immediate cash, collection handled for you
  • Supply chain finance — vendor & dealer programmes anchored on a corporate's credit

International factoring & discounting

For exporters and importers, we work across a network of global trade-finance platforms. RBI rules have long allowed Indian exporters to finance receivables directly through overseas factors, and IFSCA-regulated ITFS platforms at GIFT City now make cross-border discounting seamless. Because we are onboarded with eight such lenders, we place your requirement wherever the terms are best.

  • Export factoring — non-recourse financing against export receivables
  • Import financing — working capital to fund imports and extend payables
  • Cross-border discounting — discount export bills in the invoice currency
DOMESTIC / 01Invoice DiscountingUp to ~90% of invoice value, off balance sheet
DOMESTIC / 02FactoringImmediate cash, collection handled for you
DOMESTIC / 03Supply Chain FinanceVendor & dealer financing programmes
INTL / 01Export FactoringNon-recourse funding on export receivables
INTL / 02Import FinancingWorking capital to fund imports
INTL / 03Cross-Border DiscountingDiscount export bills via ITFS platforms
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Why Vinest

Built on relationships, run on rigour.

NETWORK

Multi-lender access

Relationships across banks, NBFCs and specialist finance platforms mean you see real choices.

STRUCTURE

Structuring first

Eligibility is engineered before an application is filed — the right entity, product and presentation.

SPECTRUM

Debt to equity to tech

From a working-capital limit to a pre-IPO round to an LMS rollout — all under one roof.

EXECUTION

Owned end to end

One point of contact from first call to disbursal, close or listing. We chase the lender, you don't.

Get in touch

Tell us what you're raising.

Share your requirement and a Vinest consultant will call you back within one working day with an honest read on feasibility, lenders and next steps.

Emailinfo@vinest.in
Phone / WhatsApp+91 XXXXX XXXXX
OfficeNew Delhi, India

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