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Your Bridge to Easy Finance

Large-ticket secured lending, structured to get funded.

Advisory and execution for developers, HNIs, and business owners who need capital against property — and have been told no, or not enough, by banks.

Discuss Your Requirement View Case Studies
₹200 Cr+
Disbursed
Last 2 years
76%
Sanction Rate
Across all cases
₹1–100 Cr
Ticket Size
LAP, Developer, Home Loans
20+
Years in Banking
Credit-side expertise
Nationalised & Private Banks
NBFCs & Housing Finance
Foreign Lenders
Mumbai-Based · Pan-India Network
20+ Years Banking Experience
Our Services

What we arrange

Six product lines. One mandate — get your case structured right and funded at the best possible terms.

Big-Ticket Home Loans
High-value home loan solutions for HNIs, senior professionals, NRIs, and self-employed borrowers where declared income alone doesn't reflect repayment capacity.
₹2 Cr – ₹50 Cr
Loan Against Property
Unlock liquidity from residential or commercial property without selling. Structured around the property's value and your repayment capability.
₹1 Cr – ₹100 Cr
Developer Finance
Construction finance, project completion funding, and inventory loans for residential and commercial developers — structured around project cash flows.
₹5 Cr – ₹100 Cr+
Refinancing & Restructuring
When existing secured debt is too expensive, misstructured, or with the wrong lender — we rework the liability and find a better-fit institution.
Any existing ticket size
Lease Rental Discounting
Convert a future rental stream into immediate liquidity. Ideal for owners of tenanted commercial premises needing capital without disturbing tenancy.
Based on rental income
Structured Secured Funding
Complex cases where standard routes don't apply — unconventional assets, phased requirements, age or tenure constraints, or non-standard income profiles.
Bespoke
How We Work

From first conversation to disbursement — we carry it through.

01
Understand the Requirement
We start with the asset, the need, and the challenge — including any prior rejections or constraints lenders have flagged.
02
Diagnose & Structure
Legal gaps, valuation issues, and cash-flow mismatches are caught before submission. We structure the case the way a credit team wants to see it.
03
Match the Right Lender
Each case is positioned at the institution where the risk profile actually makes sense — not the first lender available.
04
Execute to Disbursement
From sanction to documentation to disbursal — we stay in the loop so the deal does not stall at the last mile.
Developer Finance

Funding for every stage of a project.

Most developers don't fail on the strength of their project — they fail on the strength of their presentation to lenders. A mixed-risk proposal or the wrong lender at the wrong stage can kill a fundable deal.

We bring a credit-team perspective to your requirement before it reaches any institution — fewer rejections, better pricing, and funding that fits the project timeline.

01
Construction Finance
Progressive drawdown funding aligned to construction milestones for residential and commercial projects.
02
Project Completion & Handover
Short-tenure capital to complete stuck or stalled projects and unlock final sales proceeds.
03
Society Redevelopment Funding
Structured funding from DA signing through construction — including corpus and TDR monetisation.
04
Inventory & Receivables Financing
Capital against unsold inventory or receivables to maintain cash flow during slow sales phases.

Developers we work with

Phased requirements — where Phase 1 completion unlocks Phase 2 funding.
Stalled or underfunded projects — we rebuild the case around forward potential, not just current status.
Developers without internal finance teams — full handholding from structuring to disbursement.
Expensive existing debt — balance transfers, restructuring, and differential pricing.
Society redevelopment projects — from DA signing through BCC and handover.
Lender Network
Nationalised BanksPrivate BanksNBFCsHousing Finance Co.Foreign Lenders
Case Studies

Structure solves what size alone cannot.

Illustrative scenarios based on the types of mandates we handle. Client identities and specific figures are not disclosed.

Developer Finance · Phased Structuring
₹22 Cr
Completed and incomplete projects separated into two fundable phases
The Situation
A residential developer mixed completed and under-construction buildings into one loan request — creating a mixed-risk proposal that lenders repeatedly rejected.
The Structure
We phased the requirement. Completed properties secured ₹12 Cr first. That capital funded construction completion, which unlocked Phase 2 approval.
₹12 Cr disbursed (Phase 1) · ₹10 Cr approved (Phase 2)
Big-Ticket Home Loan · HNI Profile
₹18 Cr
HNI borrower with strong assets but income not visible on ITR
The Situation
A senior professional buying a high-value home had significant net worth but declared ITR income that didn't reflect repayment capacity. Two banks had declined.
The Structure
We repositioned using asset statements and investment portfolio evidence at a lender whose methodology accounts for HNI profiles. Sanctioned in 45 days.
₹18 Cr · Rate: 8.85% · 20-year tenure
Society Redevelopment · Developer Finance
₹15 Cr
Redevelopment project funded from DA signing through construction
The Situation
A Mumbai developer signed a DA with a housing society but had no capital to begin. Strong fundamentals — prime micro-market — but no cash flow to show lenders.
The Structure
We built the case around projected revenue from the free-sale component, mapped phase-wise cash flows, and approached an NBFC with appetite for early-stage redevelopment.
₹15 Cr sanctioned · Construction commenced in 60 days
LAP Refinancing · Rate Reduction
₹25 Cr
High-rate LAP refinanced and topped up against the same collateral
The Situation
A business owner was servicing ₹22 Cr LAP at 13.5% taken during financial stress. Business had stabilised, property had appreciated — the rate no longer matched the profile.
The Structure
Balance transfer to a private lender at 10.25% with a ₹3 Cr top-up against current valuation. Monthly outflow reduced by ₹1.8 Lakh from day one.
₹25 Cr (BT + top-up) · 10.25% · EMI saving ₹1.8L/mo
Lease Rental Discounting · Commercial LRD
₹12 Cr
Commercial landlord monetised future rentals without disturbing tenancy
The Situation
A commercial property owner with a long-term blue-chip lease needed capital for business expansion. Selling was off the table; a standard LAP would have cost more.
The Structure
LRD facility structured against the rental stream, tenure aligned to the lease period. Tenancy undisturbed. Capital available within six weeks of mandate.
₹12 Cr · 9-year tenure · Tenancy unaffected
Developer Finance · Completion Capital
₹8 Cr
Stalled project funded on future brand revenue, not current status
The Situation
A developer had a partially complete project and an MOU with a recognised brand for commercial use. Construction had stalled; no lender would fund on current status.
The Structure
Funding case built around the brand MOU and projected commercial revenue. Project restarted within 90 days; additional funding approved in-principle shortly after.
₹8 Cr sanctioned · ₹5 Cr additional in-principle approved
Client Feedback

What clients say

Illustrative of the outcomes and experience clients have had working with FinEase Advisors.

★★★★★
Two banks had turned us down and we thought our project was stuck for good. FinEase restructured the entire proposal, split it into phases, and got us funded within eight weeks. The level of understanding they brought to the credit process was unlike anything we had seen before.
Developer, Mumbai Suburbs
Residential Project · ₹22 Cr arranged
★★★★★
I had been paying 13.5% on my LAP for three years. FinEase identified the right lender, negotiated the balance transfer, and even unlocked a top-up I didn't know I was eligible for. My EMI dropped significantly from the very first month.
Business Owner, Thane
LAP Refinancing · ₹25 Cr arranged
★★★★★
Getting a home loan of this size when your income is mostly investment-based is not easy. FinEase knew exactly which lender to approach and how to present the case. Sanctioned in 45 days — something I had been trying to do myself for six months.
HNI Borrower, South Mumbai
Big-Ticket Home Loan · ₹18 Cr arranged
EMI Calculator

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When to Connect Us

Recognise the situation — we'll handle the rest.

If someone you know says any of the following, that is a FinEase conversation.

✦
"My project is stuck — I can't get construction funding."
✦
"The bank won't give me enough against my property."
✦
"I need a large home loan but my income on paper looks low."
✦
"My existing loan is expensive — can it be restructured?"
✦
"My loan was rejected or has been delayed for months."
✦
"I have a redevelopment project and need funding from Day 1."
Get in Touch

Start with a conversation.

Every funding requirement begins with understanding the full picture. Share the situation through the form and we'll get back to you — we'll tell you whether and how it can be structured.

info@fineaseadvisors.com
Mumbai, Maharashtra, India
Monday – Saturday · 10:00 AM – 7:00 PM
fineaseadvisors.com
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