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Structured Funding

Debt advisory and capital solutions for corporate, promoter and larger funding requirements that need an individually considered structure.

  • Define the funding objective and appropriate structure.
  • Evaluate lender fit and available security.
  • Coordinate the proposal, evaluation and transaction process.
Rate of interest8.50%onward
Maximum tenure12 years

Conditions apply. Indicative starting rate. The applicable rate, tenure and sanction depend on your profile and the lender’s assessment.

Explore funding options
LET’S FIND YOUR WAY FORWARD

Tell us what you have in mind.

Share a few details to start a funding conversation.

Your details are used only to respond to this enquiry.

A SOLUTION THAT FITS

A considered approach to complex capital.

Debt advisory and capital solutions for corporate, promoter and larger funding requirements that need an individually considered structure.

Aura Fund provides debt advisory and funding assistance. Approval, rates, fees, security and disbursement are subject to the respective lender’s assessment and terms.

EXPLORE YOUR OPTIONS

Different needs.
Considered solutions.

Understand the facilities available, then speak with us about what may fit your circumstances.

01

Debt syndication

Coordinate a funding requirement that may involve more than one lending institution.

Discuss this option
02

Structured debt

Consider a transaction-specific debt structure around available assets and cash flows.

Discuss this option
03

Mezzanine funding

Assess whether an intermediate capital structure is appropriate for the transaction and risk profile.

Discuss this option
04

Corporate funding

Evaluate funding requirements at the corporate level, with a view of the wider debt position.

Discuss this option
05

Promoter funding

Explore promoter-level requirements in the context of the business and transaction.

Discuss this option
06

Customized funding

Build a proposal around the purpose, security, repayment source and suitable lenders.

Discuss this option
07

Merger & acquisition funding

Funding support for merger, acquisition and buy-out transactions, structured around the deal and the security available.

Discuss this option
08

Stake purchase funding

Assess funding to acquire a shareholding, or to increase an existing stake, in an eligible company.

Discuss this option
09

Loan against security

Explore funding raised against eligible financial securities, subject to lender norms and margin requirements.

Discuss this option
10

Debt consolidation

Bring multiple facilities across lenders into a single structured arrangement, with terms shaped by security and cash flows.

Discuss this option
FUNDING WITH A PURPOSE

Bring complex requirements into focus.

A larger funding need benefits from a clear view of the transaction, existing debt and future cash flows.

  • Corporate and promoter requirements
  • Debt structuring and refinancing
  • Business growth and expansion
  • Transaction-specific capital requirements
THE AURA FUND APPROACH

Start with the right conversation.

We assess your requirement, review your profile and help you navigate suitable lender options.

Understand the requirement
Review your financial profile
Compare suitable structures
Get support through the process
Talk to an advisor
START WITH YOUR PROFILE

Who is this for?

Corporates, promoters and businesses with complex or larger funding requirements.

Eligibility depends on income or business cash flow, credit profile, existing commitments and the lender’s policies. An enquiry is not an approval.

Discuss my eligibility

Documents to have ready

  • Common Documents28 items, for every proposal
  • Documents for your funding type10 funding types, 221 items

249 items across 11 groups.

See the full checklist
DOCUMENTATION CHECKLIST

Documents to
have ready.

The checklist the Aura Fund team works from. Your advisor will confirm exactly what your lender needs for your profile.

Structured funding document checklist

For self-employed applicants, promoters, business owners and entrepreneurs

This is an indicative preliminary checklist. Additional legal, technical, financial, valuation, tax, regulatory and transaction documents may be required by the relevant lender or investor. Submission of documents does not guarantee sanction, funding, investment, transaction completion or disbursement.

Common Documents

  1. Promoter / Applicant PAN
  2. Promoter / Applicant KYC / Address Proof
  3. Recent Photograph
  4. Promoter Profile / CV
  5. Business Profile
  6. Business Registration / Incorporation Documents
  7. MOA & AOA / Partnership Deed / LLP Agreement
  8. GST Registration Certificate
  9. Udyam / MSME Registration, if applicable
  10. Shareholding Pattern
  11. Group Structure / Organisation Chart
  12. Last 3 Years Audited Financial Statements
  13. Latest Provisional Financial Statements
  14. Income Tax Returns – Business / Entity
  15. Income Tax Returns – Promoter, where required
  16. GST Returns
  17. Business Bank Statements
  18. Personal Bank Statements, where relevant
  19. Debtors & Creditors Ageing
  20. Existing Borrowing Statement
  21. Existing Loan Sanction Letters
  22. Existing Loan Statements / Outstanding Details
  23. Existing Security / Mortgage Details
  24. Promoter Net Worth Statement
  25. Assets & Liabilities Statement
  26. Credit Bureau Report
  27. Details of Guarantees / Contingent Liabilities
  28. Details of Existing Overdues / Stressed Accounts, if any

Plus the documents for your funding type

Debt Syndication

  1. Detailed Funding Requirement
  2. Purpose / End-use of Funds
  3. Proposed Total Debt Requirement
  4. Existing Lender Exposure
  5. Promoter Contribution
  6. Project / Business Expansion Plan
  7. Projected Financial Statements
  8. Projected Cash Flows
  9. Debt Servicing Projections
  10. Proposed Security Package
  11. Repayment / Exit Strategy
  12. Detailed Information Memorandum / Business Presentation
  13. Project Report / DPR, if applicable
  14. Independent Valuation, where applicable
  15. Detailed Debt Schedule
  16. Group-level Consolidated Financials
  17. Security Cover Calculation
  18. Transaction Structure Chart

Structured Debt

  1. Funding Requirement & End-use
  2. Existing Capital Structure
  3. Existing Debt & Repayment Obligations
  4. Promoter Contribution
  5. Business Cash-flow Analysis
  6. Projected Cash Flows
  7. Security Details
  8. Property Documents, where applicable
  9. Receivables Details, where applicable
  10. Existing Lender Details
  11. Proposed Repayment Structure
  12. Proposed Tenure
  13. Interest Servicing Mechanism
  14. Exit Strategy
  15. Promoter Net Worth
  16. Group Company Financials
  17. Guarantees / Collateral Details

Mezzanine Funding

  1. Detailed Business Profile
  2. Funding Requirement
  3. Existing Senior Debt
  4. Existing Secured / Unsecured Debt
  5. Existing Security Package
  6. Promoter Contribution
  7. Promoter Net Worth
  8. Business Valuation, where relevant
  9. Projected Financials
  10. Projected Cash Flows
  11. Proposed Repayment Mechanism
  12. Proposed Exit Strategy
  13. Security / Collateral Details
  14. Shareholding Structure
  15. Existing Investor Details
  16. Proposed Investor / Lender Structure
  17. Capitalisation Table
  18. Enterprise Value / Valuation Analysis
  19. Senior Debt-to-Equity Position
  20. Expected Exit Event
  21. Refinancing / Sale / Strategic Exit Plan, where applicable

Corporate Funding

  1. Company Profile
  2. Business Model
  3. Promoter Profile
  4. Shareholding Pattern
  5. Group Structure
  6. Last 3 Years Audited Financials
  7. Latest Provisional Financials
  8. GST Returns
  9. Income Tax Returns
  10. Business Bank Statements
  11. Existing Debt Schedule
  12. Working Capital Position
  13. Receivables & Payables
  14. Major Customer Details
  15. Major Supplier Details
  16. Existing Contracts / Orders, where relevant
  17. Business Expansion Plan
  18. CAPEX Plan, if applicable
  19. Projected Financials
  20. Projected Cash Flows
  21. Proposed Funding Requirement
  22. Proposed Security

Promoter Funding

  1. Promoter KYC
  2. Personal Income Tax Returns – Last 3 Years, preferably
  3. Personal Bank Statements
  4. Personal Net Worth Statement
  5. Investment Details
  6. Property Ownership Details
  7. Financial Assets Details
  8. Existing Personal Loans
  9. Existing Guarantees
  10. Credit Bureau Report, where required
  11. Other Business Interests
  12. Business / Entity Documents
  13. Shareholding Pattern
  14. Business Financials
  15. Existing Business Debt
  16. Business Bank Statements
  17. Cash-flow Projections
  18. Purpose of Promoter Funding
  19. Proposed Repayment Source
  20. Security Available

Merger & Acquisition Funding

  1. Acquirer Profile
  2. Acquirer Promoter Profile
  3. Acquirer Audited Financials
  4. Acquirer Existing Debt
  5. Acquirer Cash-flow Statements
  6. Acquirer Bank Statements
  7. Acquirer Net Worth
  8. Acquirer Shareholding Pattern
  9. Acquirer Group Structure
  10. Target Company Profile
  11. Target Incorporation Documents
  12. Target Shareholding Pattern
  13. Target Last 3 Years Audited Financials
  14. Target Latest Provisional Financials
  15. Target GST Returns
  16. Target Income Tax Returns
  17. Target Existing Debt
  18. Target Assets & Liabilities
  19. Target Major Customer / Supplier Details
  20. Target Litigation / Contingent Liability Details
  21. Material Contracts
  22. Proposed Acquisition Value
  23. Share Purchase Agreement / Draft SPA
  24. Term Sheet / LOI, where available
  25. Valuation Report
  26. Due Diligence Report, where available
  27. Proposed Capital Structure
  28. Promoter Contribution
  29. Funding Requirement
  30. Acquisition Rationale
  31. Projected Combined Financials
  32. Post-acquisition Business Plan
  33. Repayment / Exit Strategy

Stake Purchase

  1. Buyer / Promoter KYC
  2. Buyer Entity Documents
  3. Buyer Financials
  4. Target Company Profile
  5. Target Company Financials
  6. Current Shareholding Pattern
  7. Proposed Shareholding Pattern
  8. Number / Value of Shares to be Acquired
  9. Purchase Consideration
  10. Valuation Report, where applicable
  11. Share Purchase Agreement / Transaction Documents
  12. Seller Details
  13. Proposed Funding Structure
  14. Promoter Contribution
  15. Security Available
  16. Repayment Source
  17. Exit Strategy
  18. Existing Shareholders' Agreement
  19. Existing Investor Rights
  20. Existing Pledges / Encumbrances
  21. Regulatory Approvals, where applicable
  22. Board / Shareholder Approvals, where applicable

Loan Against Security

  1. Borrower KYC
  2. Income Tax Returns
  3. Business Financials
  4. Business Bank Statements
  5. Existing Liabilities
  6. Proposed Loan Amount
  7. End-use of Funds
  8. Repayment Source
  9. Shares / Securities Holding Details
  10. Demat Statement
  11. Mutual Fund Statement
  12. Bond / Debenture Details
  13. Government Securities, where applicable
  14. Security Ownership Proof
  15. Current Market Value
  16. Existing Pledge / Encumbrance Details
  17. Property Sale Deed / Title Documents, where applicable
  18. Mother Deed / Chain Documents, where applicable
  19. Encumbrance Certificate, where applicable
  20. Khata / Municipal Records, where applicable
  21. Property Tax Receipts
  22. Approved Plan / Building Permissions, where applicable
  23. Existing Mortgage Details
  24. Property Valuation Report, if available

Debt Consolidation

  1. Complete List of Existing Loans
  2. Existing Sanction Letters
  3. Latest Outstanding Statements
  4. Loan Account Statements
  5. Current Interest Rates
  6. EMI / Repayment Obligations
  7. Remaining Tenure
  8. Security Provided Against Each Loan
  9. Existing Lender Details
  10. Credit Card / Unsecured Loan Details, where applicable
  11. Business Borrowing Details
  12. Personal Borrowing Details
  13. Existing Overdue / Default Information, if any
  14. Total Outstanding Debt
  15. Total Monthly Repayment Obligation
  16. Current Weighted Average Interest Cost
  17. Existing Security Value
  18. Available Additional Collateral
  19. Current Business Cash Flows
  20. Proposed Consolidated Loan Amount
  21. Proposed Tenure
  22. Proposed Repayment Structure
  23. Additional Funding Requirement, if any
  24. Proposed End-use of Additional Funding
  25. Foreclosure Statements
  26. NOC / Release Documents, where applicable
  27. Existing Mortgage Details
  28. Security Documents
  29. Repayment Track Record
  30. Restructuring / Settlement Details, if applicable

Property Security

  1. Sale Deed
  2. Mother Deed / Chain Documents
  3. Encumbrance Certificate
  4. Khata / Mutation Documents
  5. Property Tax Receipts
  6. Approved Building Plan
  7. Commencement Certificate, where applicable
  8. Completion Certificate, where applicable
  9. Occupancy Certificate, where applicable
  10. Conversion Order, where applicable
  11. RERA Registration, where applicable
  12. Latest Property Valuation
  13. Existing Mortgage Documents
  14. Lease / Rental Agreement, where applicable
QUESTIONS, ANSWERED

Structured Funding FAQs.

Straight answers from the Aura Fund team. Every application remains subject to the lender’s assessment.

What is Structured Funding?

Structured Funding is a customised financing solution designed for businesses, promoters, investors and corporates whose funding requirements may not fit within conventional loan products.

Aura Fund evaluates the borrower’s business, assets, cash flows, existing liabilities, transaction structure and repayment/exit strategy to identify an appropriate funding structure through banks, NBFCs, private credit funds, alternative lenders and other financial institutions.

What is Debt Syndication?

Debt Syndication is a funding arrangement where a large financing requirement is structured and sourced from one or multiple lenders.

It is generally used for large-ticket requirements such as corporate funding, project funding, debt refinancing, acquisition financing, promoter funding and business expansion.

Aura Fund can assist with

  • Requirement assessment
  • Funding structure
  • Lender identification
  • Financial and transaction presentation
  • Coordination with multiple lenders
  • Term-sheet evaluation
  • Documentation and transaction coordination
What is Structured Debt?

Structured Debt is financing customised around the borrower’s specific financial position, security, cash flows and transaction requirements rather than following a standard loan format.

Possible structures may include:

  • Senior secured debt
  • Subordinated debt
  • Property-backed debt
  • Cash-flow-based funding
  • Receivables-backed funding
  • Debt refinancing
  • Promoter-level financing
  • Acquisition-related debt
  • Hybrid or multiple-security structures

The final structure depends on lender appetite, transaction risk, security and repayment visibility.

What is Mezzanine Funding?

Mezzanine Funding is a form of financing that generally sits between senior secured debt and equity in the capital structure.

It may be considered where conventional senior debt is insufficient to meet the total funding requirement and the transaction has a suitable repayment or exit strategy.

Depending on the transaction and lender, mezzanine structures may involve:

  • Subordinated debt
  • Structured debt
  • Convertible or hybrid instruments
  • Additional security
  • Higher pricing than conventional senior debt

Availability and structure are subject to lender and investor policies.

What is Corporate Funding?

Corporate Funding refers to financing solutions designed for established companies and corporate groups for purposes such as:

  • Business expansion
  • Working capital
  • Capital expenditure
  • Debt refinancing
  • Acquisition
  • Business restructuring
  • Promoter liquidity
  • Strategic investments
  • Project development

Funding may be structured against business cash flows, assets, receivables, securities or a combination of these.

What is Promoter Funding?

Promoter Funding is financing provided to business promoters for specific personal or business-related requirements, subject to the proposed structure and lender policy.

It may be considered for:

  • Promoter contribution
  • Business expansion
  • Debt consolidation
  • Acquisition of shares or business interests
  • Capital infusion
  • Liquidity requirements
  • Reorganisation of existing liabilities

The lender generally evaluates the promoter’s financial profile, business interests, available security, repayment capacity and proposed end-use.

Show all 25 questionsShow fewer questions
Can Aura Fund arrange funding for Mergers & Acquisitions?

Yes. Aura Fund can evaluate funding requirements related to eligible Mergers & Acquisitions (M&A) transactions.

Depending on the transaction, funding may potentially be structured for:

  • Acquisition of a company
  • Acquisition of a business division
  • Strategic stake acquisition
  • Share purchase
  • Buyout transactions
  • Promoter-led acquisition
  • Acquisition refinancing
  • Debt-funded business expansion

The transaction structure, target company, valuation, promoter contribution, security and proposed repayment/exit strategy are important considerations.

What is Stake Purchase Funding?

Stake Purchase Funding refers to financing used for acquiring an ownership stake in a company or business, subject to applicable regulations and lender/investor policy.

It may be considered for:

  • Strategic investment
  • Acquisition of shares
  • Promoter stake acquisition
  • Buyout of existing shareholders
  • Business consolidation
  • Acquisition of controlling or minority interest

The funding structure depends on the transaction size, target business, valuation, security, cash flows and exit strategy.

What is Loan Against Securities?

Loan Against Securities is financing secured against eligible financial securities such as shares, mutual funds, bonds or other approved investments.

Depending on the lender, funding may be available against:

  • Listed shares
  • Mutual funds
  • Bonds/debentures
  • Government securities
  • Other approved marketable securities

The eligible securities, loan-to-value ratio, margin requirements, interest rate and repayment terms are determined by the respective lender.

Can businesses obtain funding against securities held by promoters?

Potentially, yes. Where promoters or eligible entities hold acceptable financial securities, lenders may evaluate financing against those securities.

This can potentially provide liquidity without requiring immediate disposal of the underlying investments.

Eligibility depends on:

  • Type of security
  • Market value
  • Ownership
  • Liquidity
  • Lender-approved list
  • Existing encumbrances
  • Margin requirements
  • Borrower profile
What is Debt Consolidation?

Debt Consolidation involves restructuring or combining multiple existing liabilities into a more organised financing arrangement.

It may be considered where a borrower has multiple loans with different lenders, repayment schedules, interest rates or security arrangements.

The objective may include:

  • Consolidating multiple liabilities
  • Replacing expensive debt
  • Simplifying repayment obligations
  • Improving cash-flow management
  • Extending repayment tenure where appropriate
  • Releasing or reorganising securities
  • Providing additional liquidity, where eligible

Any improvement in pricing, tenure or cash flow is subject to the proposed lender and transaction structure.

Can Aura Fund arrange takeover of existing corporate debt?

Aura Fund can evaluate eligible debt takeover/refinancing requirements.

Depending on the transaction, refinancing may include:

  • Takeover of existing bank/NBFC debt
  • Debt consolidation
  • Balance transfer
  • Refinancing with additional funding
  • Security restructuring
  • Multiple-loan consolidation

The existing lender exposure, repayment track record, security value, financial performance and proposed lender's credit policy are considered.

Can additional funding be obtained along with debt takeover?

Potentially, yes.

A transaction may be structured as Takeover + Additional Funding where the borrower requires both refinancing of existing debt and incremental funds for eligible business or corporate purposes.

Additional funding may potentially be used for:

  • Business expansion
  • Working capital
  • Capital expenditure
  • Project completion
  • Acquisition
  • Debt consolidation
  • Other permitted business requirements

The total funding depends on repayment capacity, security, cash flows and lender policy.

What security can be considered for Structured Funding?

Depending on the transaction, lenders may consider:

  • Residential property
  • Commercial property
  • Industrial property
  • Land
  • Factory premises
  • Warehouse
  • Project assets
  • Receivables
  • Shares/securities
  • Business assets
  • Corporate or personal guarantees
  • Other acceptable collateral

The security requirement varies by lender and transaction structure.

Can Structured Funding be arranged without traditional collateral?

Certain transactions may potentially qualify for cash-flow-based, unsecured, subordinated or other alternative structures.

However, availability depends heavily on:

  • Business strength
  • Financial performance
  • Promoter profile
  • Credit history
  • Cash flows
  • Transaction size
  • Industry
  • Existing liabilities
  • Lender/investor appetite

Large or complex transactions may require a combination of security, guarantees and structured repayment mechanisms.

What ticket size can Aura Fund handle for Structured Funding?

Aura Fund can evaluate medium to large-ticket funding requirements, including transactions involving several crores and larger corporate requirements.

The appropriate funding structure is determined based on the requirement rather than simply the ticket size.

Who can approach Aura Fund for Structured Funding?

Structured Funding may be considered for:

  • Promoters
  • Private and public companies
  • LLPs
  • Partnership firms
  • Established businesses
  • Corporate groups
  • Developers
  • Investors
  • Family-owned businesses
  • Acquisition entities/SPVs
  • Businesses undertaking restructuring or consolidation

Eligibility remains subject to the proposed lender/investor's criteria.

What information is required for evaluating a Structured Funding proposal?

Depending on the transaction, Aura Fund may require:

Business & Financial Information

  • Company profile
  • Promoter profile
  • Audited financial statements
  • Provisional/current financials
  • GST returns
  • Bank statements
  • Existing loan statements
  • Debtor/creditor details

Security Information

  • Property documents
  • Valuation reports, where available
  • Existing security details
  • Shareholding/securities information

Transaction Information

  • Detailed funding requirement
  • End-use of funds
  • Existing debt structure
  • Proposed transaction structure
  • Project/business plan
  • Acquisition documents, where applicable
  • Repayment or exit strategy

Additional documents may be required depending on the transaction.

How does Aura Fund structure a complex funding requirement?

Aura Fund generally follows a structured approach:

Understand → Assess → Structure → Connect → Coordinate → Close

We first understand the business and transaction, assess the financial and security position, identify a suitable structure, connect with relevant lenders/investors and coordinate the transaction through the financing process.

Can Aura Fund approach multiple lenders for one Structured Funding requirement?

Yes. Depending on the requirement, Aura Fund may evaluate multiple potential lenders or funding sources.

This can be relevant for large or complex transactions where the requirement may need:

  • Multiple lenders
  • Debt syndication
  • Senior + subordinated debt
  • Multiple-security structures
  • Refinancing
  • Alternative credit
  • Specialised funding

Lender selection depends on the transaction profile and prevailing lender appetite.

Can Structured Funding be used for business restructuring?

Potentially, yes.

Structured Funding may be evaluated for eligible situations involving:

  • Debt restructuring
  • Debt consolidation
  • Refinancing
  • Business expansion
  • Stressed but potentially viable businesses
  • Project completion
  • Promoter liquidity
  • Corporate reorganisation

Each case requires an individual assessment of financial viability, security, repayment capacity and lender appetite.

How long does Structured Funding take?

The timeline varies significantly depending on the complexity and size of the transaction.

A straightforward secured refinancing may progress faster, while syndicated, acquisition, mezzanine or highly structured transactions can require additional financial, legal, valuation and due-diligence processes.

Aura Fund works to streamline the process through structured documentation and coordinated lender engagement.

Can Aura Fund help if the proposal has already been declined by a bank or NBFC?

Yes. A declined proposal can be reviewed to understand the reason for rejection and determine whether an alternative structure or lender category may be appropriate.

However, a rejection by one lender does not imply that another lender will approve the transaction. Every lender applies its own credit, security, risk and policy criteria.

Why choose Aura Fund for Structured Funding?

Aura Fund combines financial expertise, lender relationships and structured execution to address funding requirements that may require more than a conventional loan.

Our approach focuses on:

  • Understanding the complete transaction
  • Identifying suitable funding structures
  • Accessing multiple lender categories
  • Structuring complex requirements
  • Supporting large-ticket transactions
  • Coordinating documentation and lender discussions
  • Evaluating refinancing and consolidation opportunities
  • Maintaining a transparent and professional process
How can I approach Aura Fund for Structured Funding?

You can share your funding requirement, existing debt details, business/transaction profile and available security with our team for an initial assessment.

Call / WhatsApp +91 76250 65345Email Operation@aurafund.co.in

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WITH YOU, AT EVERY STEP

A clear path from
ambition to action.

A structured, transparent process with support at each stage of your funding journey.

Your goals.
Our guidance.PERSONALISED SUPPORT
  1. 01
    THE CONVERSATION

    Let’s talk

    Share your goals and funding requirements.

  2. 02
    THE ASSESSMENT

    Understand your profile

    Review your financial position and eligibility.

  3. 03
    THE RIGHT FIT

    Explore your options

    Assess suitable lenders and funding structures.

  4. 04
    THE NEXT CHAPTER

    Move forward

    Get documentation and disbursement support.

YOUR NEXT CHAPTER STARTS HERE

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into a plan.

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