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Every route we structure funding through

Funding solutions — structured around the transaction.

Eleven funding routes, one starting point: understanding the transaction. Jump to the route closest to your requirement, or talk to us if you’re not sure which one fits.

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01Property-backed funding

Loan Against Property

Funding raised against an eligible residential, commercial or industrial property you already own, used for business expansion, working capital, debt consolidation or a large personal requirement.

  • Available against residential, commercial and industrial property
  • Can be structured for salaried, self-employed, professional or business-owner borrowers
  • Existing debt on the property is netted off against eligibility
  • Property type, location and title clarity materially affect the funding amount
Typically used for

Business expansion, working capital top-up, debt consolidation, large personal or family requirements.

Security

The property being funded against, plus any additional security a lender may require.

What we assess first

Property title and valuation, existing debt on the property, income or business cash flow, and repayment capacity.

Try the calculator

Get an indicative funding range on the Property funding tool further down this page.

02Property-backed funding

Lease Rental Discounting

A secured funding route where an owner of a leased commercial property monetises future rental receivables, using the property and the lease as security.

  • Applicable to commercial property let out on a documented lease
  • Funding is linked to the eligible rental cash flow and the remaining lease tenure
  • Tenant profile, lease documentation and rental payment history are all assessed
  • Structure works well for landlords wanting to unlock value without selling
Typically used for

Unlocking value from a rent-generating commercial property without a sale, or refinancing existing debt on such a property.

Security

The leased property and an assignment of the rental receivable, subject to lender requirements.

What we assess first

Lease agreement terms, tenant credentials, rental track record, property value and any existing debt.

Try the calculator

Get an indicative range on the Rental funding tool further down this page.

03Home & personal property finance

Home Loans

Funding for the purchase of a residential property, a balance transfer from an existing lender, or a top-up over an existing home loan.

  • Purchase, under-construction, resale and self-construction cases considered
  • Balance transfer to a more suitable lender, with or without a top-up
  • Structured for salaried, self-employed and professional applicants
  • Joint applications and co-applicant income can be factored into eligibility
Typically used for

Buying a home, transferring an existing home loan, or raising a top-up against an existing property.

Security

The residential property being purchased or already held.

What we assess first

Income and repayment capacity, existing obligations, property documentation and the developer or seller’s track record where relevant.

Not sure where to start?

Tell us about your requirement and we’ll walk you through the fit.

04Business funding

Business Finance

General-purpose business funding for expansion, equipment, or a specific operating need, structured against business cash flows, property or a combination of both.

  • Secured or partly secured structures, depending on the requirement and profile
  • Considered for proprietorships, partnerships, LLPs and private companies
  • Business vintage, banking conduct and financial statements all factor into the assessment
  • Can be combined with property-backed funding for larger requirements
Typically used for

Business expansion, equipment purchase, one-time operating requirements or consolidating existing business debt.

Security

Varies by structure — may be unsecured, or secured by business assets or property.

What we assess first

Financial statements, ITRs, banking conduct, existing borrowing and the stated purpose of funding.

See also

Visit For Businesses for the full picture of how we work with business owners.

05Business funding

Working Capital

Funding structured to bridge the gap between paying suppliers and collecting from customers, sized to your operating cycle rather than a fixed loan amount.

  • Fund-based and non-fund-based limits considered, depending on the business
  • Structured around receivables, inventory and the operating cycle
  • Can be renewed and reassessed as the business grows
  • Relevant for manufacturing, trading and services businesses
Typically used for

Funding receivables and inventory gaps, seasonal demand, or a growing order book that outpaces available cash.

Security

Typically secured by current assets, with property or other collateral in some structures.

What we assess first

Sales history, receivables and payables cycle, stock turnover and existing banking arrangements.

See also

Read about Cash Credit / Overdraft, a related working-capital structure.

06Business funding

Cash Credit / Overdraft

A revolving limit against stock, receivables or property that lets a business draw funds as needed and pay interest only on what is actually used.

  • Drawing power linked to stock and receivable statements, or to a fixed property-backed limit
  • Interest is charged only on the utilised amount, not the sanctioned limit
  • Renewed annually, subject to conduct and financial performance
  • Useful where funding needs fluctuate through the year
Typically used for

Day-to-day operating expenses, supplier payments and managing short-term cash flow swings.

Security

Stock and book debts (hypothecation), or a property-backed overdraft structure.

What we assess first

Stock and debtor statements, account conduct, and the business’s cash conversion cycle.

See also

Compare with Working Capital funding above.

07Developer funding

Developer Finance

Structured funding for real-estate developers, spanning land, construction, inventory monetisation and refinancing — matched to the stage the project is at.

  • Considers project approvals, stage of construction and sales velocity
  • Structured around RERA compliance and escrow requirements where applicable
  • Can combine construction finance with inventory or last-mile funding as the project progresses
  • Refinancing of existing project debt considered on a case-by-case basis
Typically used for

Funding a residential or commercial project through its construction and sales cycle.

Security

The project land and construction, receivables, and promoter guarantees where required.

What we assess first

Approvals and title, project cost and revenue projections, promoter contribution and existing exposure.

See also

Visit For Developers for the complete developer-funding picture.

08Developer funding

Construction Finance

Funding disbursed in stages to match construction progress on a real-estate project, from foundation through to completion.

  • Disbursement typically linked to construction milestones and progress certification
  • Considered alongside sales velocity and remaining project cost to complete
  • Requires clear approvals, title and RERA registration where applicable
  • Promoter contribution and existing project debt are read together
Typically used for

Funding the actual cost of construction on an approved, under-development project.

Security

The project itself, along with receivables and any additional security a lender requires.

What we assess first

Approvals, cost-to-complete, sales achieved so far, and the promoter’s track record.

See also

Often paired with Inventory Funding as a project nears completion.

09Developer funding

Inventory Funding

Funding raised against a developer’s completed, unsold inventory in a project — a way to unlock liquidity from stock that hasn’t sold yet.

  • Applicable to ready or near-ready unsold units in an approved project
  • Loan-to-value depends on unit type, location and expected absorption rate
  • Can be used to repay construction-stage debt or fund a new project
  • Occupation certificate and clear title materially affect eligibility
Typically used for

Monetising unsold inventory to repay existing project debt, or to fund a subsequent project.

Security

The unsold inventory in the project, typically supported by receivables from future sales.

What we assess first

Unit-wise inventory value, sales pace in the project, title and occupation status.

See also

Read about Last-Mile Funding, for projects that are close to completion.

10Developer funding

Last-Mile Funding

Targeted funding to help a stalled or near-complete project cross the finish line, when a temporary liquidity gap is the only thing standing between the developer and completion.

  • Suited to projects that are substantially built but short of funds to finish
  • Structure is built around cost-to-complete rather than the whole project cost
  • Existing lender consent and project documentation are typically required
  • Often the difference between a delayed handover and an on-time one
Typically used for

Bridging the final funding gap on a project that is otherwise close to completion.

Security

The project, remaining inventory, and receivables, structured alongside existing lenders.

What we assess first

Cost-to-complete, existing debt and lender consents, and a realistic completion timeline.

See also

Read about Construction Finance and Inventory Funding.

11Business funding

Bank Guarantees

A non-fund-based facility where a bank guarantees payment or performance on your behalf — commonly required for tenders, contracts and statutory obligations.

  • Performance, financial and bid-bond guarantees considered
  • Usually requires a margin and, in many cases, collateral or a counter-guarantee
  • Relevant for contractors, suppliers and businesses participating in tenders
  • Assessed alongside a business’s existing fund-based limits
Typically used for

Meeting a tender, contract or statutory requirement that calls for a bank guarantee.

Security

Margin money, and in many cases collateral or a counter-guarantee, depending on the lender.

What we assess first

The nature and value of the guarantee required, existing banking limits, and the underlying contract.

Not sure where to start?

Tell us about your requirement and we’ll confirm the right structure.

Work out the shape of it

Two quick indicators before we speak: what a facility might cost to service each month, and roughly what an eligible property or rental could support.

These calculators are indicative only. They are not an offer, a sanction or an eligibility confirmation. Actual funding, pricing, tenure and terms depend on lender policy, valuation, legal and technical verification, credit assessment and repayment capacity.

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Monthly instalment—
Total interest over tenure—

Questions people ask first

Do you directly provide loans?

Krishna Financial Services is a loan advisory and facilitation firm. We work with eligible borrowers and appropriate lending institutions. Final approval, pricing, tenure, fees and other terms are determined by the respective lender.

How much funding can I raise against my property?

There is no single amount applicable to every borrower. Funding depends on property value, property type, location, income and cash flow, existing liabilities, repayment capacity and lender policy.

Can I raise funding against commercial property?

Eligible commercial properties may be considered by lenders, subject to legal, technical, valuation and credit assessment.

What is lease rental discounting?

Lease rental discounting is a form of secured funding based on eligible future rental cash flows, subject to lender requirements.

How long does funding take?

Timelines vary depending on the facility, borrower, property, documentation, legal and technical verification and lender processes. No fixed timeline should be assumed before reviewing the transaction.

What documents will I need?

Requirements vary. They may include identity and address documents, financial statements, ITRs, bank statements, existing loan details and complete property documentation.

Does submitting an enquiry guarantee sanction?

No. A funding enquiry or application does not guarantee approval. Final sanction is subject to the respective lender’s credit assessment and policies.

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