What it funds
Six gaps developers face. One facility covers them all.
Working capital is not a last resort — it's the instrument that keeps a well-run project on schedule between milestones.
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Pre-launch Marketing & Sales Setup
Fund channel-partner activations, site offices, and launch-day spend before bookings come in.
🏗️
Land Acquisition Bridging
Bridge the window between land payment and project-loan disbursement without stalling title transfer.
⚒️
Construction Cost Overrun
Cover material or contractor cost escalations mid-project without renegotiating the primary lender.
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GST / RERA Compliance Float
Meet GST advance payments and RERA deposit requirements on schedule without delaying construction.
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Salaries & Ops During Slow Absorption
Keep staff and site operations running through a slow sales quarter without touching capex reserves.
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Creditor Payoff Before Next Tranche
Clear subcontractor and vendor dues on schedule while waiting for the next construction-linked draw-down.
How it works
Five steps. Three to four weeks.
A single CA-assigned partner owns your file from call to disbursement.
1
Discovery Call
30-min call. We scope your requirement, assess the project, and sign NDA on request.
Timing
Day 0
2
CA Financial Assessment
GST returns, audited P&L, project cash flow — reviewed and modelled by our CA team.
Timing
Week 1
3
Lender Matching
We shortlist 3–5 NBFCs or private-credit desks best suited to your ticket and tenure.
Timing
Week 1–2
4
Term-Sheet & Docs
Side-by-side term-sheet comparison. We negotiate rate, security, and prepayment terms.
Timing
Week 2–3
5
Disbursement
Facility live. Funds in your account. Repayment schedule set against project milestones.
Timing
Week 3–4
Common Questions
The short answers.
Have a developer-specific question? WhatsApp the desk — we typically respond inside the working day.
Ask on WhatsAppHow is this different from a project loan?
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A project loan (₹25 Cr+) is long-tenure senior debt tied to the construction cycle — it funds the project itself. Working capital is short-tenure (6–24 months), smaller (₹2–25 Cr), and funds the gaps between milestones: pre-launch spend, GST float, overruns, creditor payoffs. Different instrument, different lender pool.
What documents do I need to apply?
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Is RERA registration mandatory?
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What is the interest rate range?
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Can I prepay early without penalty?
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Do you charge upfront?
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Need ₹2–25 Cr to bridge a developer gap?
30-minute call. CA assessment in 48 hrs. No obligation.