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How can we help you?
Frequently Asked Questions
We combine industry experience with technology to deliver tailored financial solutions that are simple, transparent, and efficient. Our multidisciplinary team—bankers, analysts and technologists—works closely with each client to build plans that match short‑ and long‑term goals.
- Personalised underwriting: Solutions based on your cashflows and objectives.
- Fast turnaround: Streamlined digital onboarding and quick decisioning.
- Competitive terms: Leverage our partnerships with banks and NBFCs for better pricing.
- Dedicated support: A single point of contact throughout the lifecycle.
FinAxis follows a consultative and client-first approach. We begin by understanding your financial needs, business model, and long-term goals before recommending any solution.
Our process typically includes:
- Requirement assessment and financial evaluation
- Identifying suitable funding or advisory options
- Structuring solutions aligned with your objectives
- Coordinating with lenders or partners
- Ongoing support through execution
Timelines vary depending on the type of funding, documentation readiness, and lender processes.
Indicative timelines:
- capital funding: 1–2 weeks
- finance transactions: several weeks
- Retail loans: a few working days
While requirements differ by service, common documents include:
- KYC and identity proof
- Bank statements
- Financial statements or income proof
- Business or employment details
Yes. FinAxis follows strict confidentiality protocols to protect client information.
We ensure:
- Secure handling of data
- Restricted access to sensitive information
- Compliance with applicable data protection practices
Yes. FinAxis assists clients by:
- Structuring applications correctly
- Identifying suitable lenders
- Highlighting financial strengths
- Addressing gaps in documentation
Yes. FinAxis works with a wide network of financial institutions, including banks, NBFCs, and alternative lenders.
This allows:
- Better comparison of offers
- Competitive interest rates
- Faster execution
Yes. FinAxis supports clients across multiple locations in India, subject to lender coverage and regulatory guidelines.
We assist both:
- Individual clients
- Businesses and institutions
FinAxis adds value by:
- Saving time and effort
- Providing expert financial guidance
- Offering multiple lender options
- Structuring deals professionally
Yes. FinAxis continues to support clients after disbursement for:
- Loan renewals or restructuring
- Portfolio reviews
- Future funding requirements
Getting started is simple:
- Contact FinAxis via phone, website, or WhatsApp
- Share basic financial details
- Receive an initial consultation
- Proceed with a tailored financial solution
Working capital finance refers to short-term funding solutions designed to help businesses manage their day-to-day operational expenses and maintain liquidity. This type of financing is essential for covering costs such as payroll, inventory purchases, rent, and utilities, especially during periods of fluctuating cash flow.
Common forms of working capital finance include:
- Lines of Credit: Flexible borrowing options that allow businesses to draw funds as needed up to a predetermined limit.
- Short-term Loans: Lump-sum loans with fixed repayment terms, typically ranging from a few months to a year.
- Invoice Financing: Borrowing against outstanding invoices to improve cash flow while waiting for customer payments.
- Trade Credit: Arrangements with suppliers to delay payment for goods or services, effectively providing short-term financing.
Working capital finance helps businesses maintain smooth operations, seize growth opportunities, and navigate seasonal fluctuations or unexpected expenses. It is a critical component of financial management for companies of all sizes and industries.
Working capital finance is used for operational needs, while term loans are used for long-term investments.
- Personalized Financial Planning: Tailored strategies that align with your unique goals, risk tolerance, and time horizon.
- Comprehensive Services: Access to a wide range of financial services including investment management, tax planning, estate planning, retirement planning, and insurance solutions.
- Professional Expertise: Guidance from experienced financial advisors who stay informed about market trends, regulatory changes, and investment opportunities.
- Diversification: Strategies to spread risk across various asset classes and investment vehicles to enhance returns while minimizing potential losses.
- Tax Efficiency: Techniques to optimize your investment portfolio and financial decisions in a tax-efficient manner, potentially reducing your overall tax burden.
- Legacy Planning: Assistance with estate planning to ensure your wealth is transferred according to your wishes while minimizing estate taxes and legal complications.
- Peace of Mind: Confidence that your financial affairs are being managed proactively and professionally, allowing you to focus on other aspects of your life.
Overall, wealth management helps individuals and families achieve their financial objectives while navigating the complexities of wealth accumulation and preservation.
Corporate finance focuses on strategic financial planning to help businesses raise capital, optimize debt, and improve long-term financial performance. It goes beyond simple borrowing and looks at the overall financial health of the company.
Corporate finance typically covers:
- Business expansion funding
- Project and CapEx financing
- Debt restructuring and refinancing
- Mergers & acquisitions advisory
- Capital structure optimization
Corporate finance helps businesses grow sustainably while maintaining financial discipline and risk control.
Unlike standard business loans, corporate finance:
- Focuses on structuring rather than just borrowing
- Considers cash flow, leverage, and capital efficiency
- Aligns funding with long-term business strategy
It is especially useful for growing companies and complex financial requirements.
Bridge funding is a short-term financing solution used to bridge the gap between an immediate funding requirement and an expected future inflow, such as long-term loans, asset sales, or project revenues.
Bridge funding is commonly used for:
- Project delays or funding gaps
- Acquisition or takeover situations
- Pending loan disbursements
- Time-sensitive business opportunities
Due to its short tenure and urgency, bridge funding is typically costlier than traditional loans and requires a clear exit strategy.
Bridge funding involves higher risk because:
- It has a short repayment window
- It depends on a defined exit plan
- Interest rates are generally higher
However, when structured correctly, it can be a powerful tool for managing temporary liquidity needs.
Retail loans are financial products offered to individuals to meet personal or business-related needs. These loans are structured based on income, credit profile, and repayment capacity.
Common types of retail loans include:
- Home loans
- Personal loans
- Loan Against Property (LAP)
- Small business loans
Retail loans help individuals achieve financial goals while spreading repayment over manageable EMIs.
A credit score reflects an individual’s creditworthiness and plays a crucial role in:
- Loan approval chances
- Interest rates offered
- Loan amount eligibility
A higher credit score generally results in better loan terms, while moderate scores may still qualify under secured or alternate structures.
Wealth management is a holistic financial planning approach that integrates investments, tax planning, insurance, and estate planning to help individuals grow and preserve wealth over time.
Wealth management typically includes:
- Goal-based investment planning
- Portfolio diversification
- Tax-efficient strategies
- Retirement and succession planning
It focuses on long-term financial stability rather than short-term gains.
Wealth management is suitable for:
- Professionals with growing income
- Entrepreneurs and business owners
- Families planning long-term wealth transfer
- Individuals seeking disciplined financial planning
Early planning significantly improves long-term outcomes.
FLDG is a risk-sharing arrangement where one party agrees to absorb initial losses in a loan portfolio, thereby reducing credit risk for lenders.
FLDG structures are widely used by:
- NBFCs
- Fintech lenders
- Digital lending platforms
They enhance confidence, improve capital efficiency, and support faster credit expansion.
No. FLDG:
- Covers only initial losses up to an agreed limit
- Does not eliminate overall portfolio risk
- Must be supported by strong underwriting and monitoring
Proper structuring and compliance are critical for effective FLDG implementation.
Yes, startups can apply for working capital funding, provided they demonstrate active operations and revenue visibility. While traditional lenders may prefer established businesses, many lenders now assess startups based on cash flows, business models, and banking activity.
Startups commonly use working capital for:
- Inventory procurement
- Vendor and operational payments
- Marketing and customer acquisition
- Managing early-stage cash flow gaps
Eligibility depends on factors such as turnover, transaction history, and promoter background.
Working capital finance is widely used across multiple industries, especially those with cyclical or receivable-based cash flows.
Industries that frequently use working capital include:
- Manufacturing and trading
- Logistics and supply chain
- Retail and wholesale businesses
- Healthcare and pharmaceuticals
- IT and service-based companies
Each industry requires a customized working capital structure based on its operating cycle.
While documentation may vary by lender, commonly required documents include:
- Financial statements (Profit & Loss, Balance Sheet)
- Bank statements
- GST returns
- KYC documents of promoters
- Business profile and operational details
Well-organized documentation helps speed up approvals and improves funding terms.
Corporate finance advisory helps businesses make strategic financial decisions rather than relying only on ad-hoc borrowing.
Key benefits include:
- Optimized capital structure
- Lower cost of borrowing
- Better cash flow management
- Support for expansion and acquisitions
- Improved lender negotiations
It enables sustainable growth with financial discipline.
Yes, corporate finance advisory is not limited to large corporations. Small and mid-sized businesses benefit from:
- Structured funding solutions
- Professional financial planning
- Debt consolidation and refinancing
As businesses grow, corporate finance helps transition from informal funding to institutional capital.
It is commonly used to:
- Pay contractors and vendors
- Cover operational costs
- Maintain project momentum
- Avoid penalties or stoppages
Once the primary funding or project revenues are received, the bridge facility is repaid.
Bridge funding is always structured with a clear exit plan to ensure timely repayment.
Common exit routes include:
- Long-term loan disbursement
- Project completion and cash inflow
- Asset sale or refinancing
- Equity infusion
A well-defined exit reduces risk and borrowing costs.
Retail loans can be classified based on collateral requirements.
- Secured Loans: Require collateral such as property or assets (e.g., home loans, LAP).
- Unsecured Loans: Do not require collateral and are approved based on income and credit profile (e.g., personal loans).
Secured loans usually offer lower interest rates due to reduced lender risk.
Yes, self-employed professionals and business owners are eligible for retail loans.
Lenders typically evaluate:
- Income stability
- Bank statement consistency
- Business vintage
- Credit history
Proper financial documentation improves approval chances.
Wealth management helps individuals align their finances with life goals such as education, retirement, and wealth transfer.
It focuses on:
- Structured asset allocation
- Risk-adjusted returns
- Periodic portfolio review
- Long-term discipline
This approach reduces emotional decision-making and improves financial outcomes.
Diversification spreads investments across asset classes to reduce overall portfolio risk.
It helps by:
- Minimizing the impact of market volatility
- Balancing risk and return
- Improving long-term stability
A diversified portfolio performs more consistently across market cycles.
FLDG plays a key role in risk-sharing partnerships between lenders and originators.
It helps:
- Improve lender confidence
- Accelerate credit deployment
- Enhance portfolio performance
FLDG allows lenders to expand lending while managing downside risk.
The FLDG coverage percentage is determined based on:
It helps:
- Historical default data
- Portfolio risk profile
- Credit underwriting standards
- Regulatory considerations
It is structured carefully to balance risk-sharing without encouraging excessive risk-taking.
No. FLDG does not guarantee profits.
- It Covers only initial losses up to a limit
- Does not eliminate credit risk
- Requires strong underwriting and monitoring
FLDG is a risk mitigation tool, not a profit assurance mechanism.