Fiscal Capital Management
Building smarter capital solutions for growing businesses.
Fiscal Capital Management is a Mumbai-based financial solutions firm with over 15 years of experience in the financial and equity markets. We work closely with corporates, SMEs and entrepreneurs to design funding structures that support sustainable growth, efficient cash flow, and long-term value creation.
We help you access working capital, business loans and private investor funds without unnecessary collateral or complex banking hurdles.
Working Capital Solutions
OD/CC limits, term loans & project financing
Trade Finance
Export/import financing & LC discounting
Asset-Backed Funding
Loan against property & receivables
✓ Advisory-driven approach • No direct lending • Partner network of banks & NBFCs
Our Core Service Lines
We work across multiple segments of business finance, offering both secured and unsecured solutions tailored to your profile and requirements.
Corporate Finance
Comprehensive working capital and project funding solutions
- Working Capital (OD / CC)
- Rupee & Foreign Currency Term Loans
- Project Finance (Greenfield & Brownfield)
- Inter-Corporate Deposits (ICD)
- Consortium Banking & Structured Finance
- M&A and Private Equity / VC Facilitation
Trade Finance
Export & import financing for global trade operations
- Packing Credit (Pre-Shipment & Post-Shipment)
- Rupee / Foreign Term Loans for Importers & Exporters
- Export Debtor Discounting (Advance Against Receivables)
- LC Discounting (Letter of Credit-Backed Transactions)
Unsecured Finance
Collateral-light funding for fast-growing businesses
- Working Capital Term Loans (No Collateral, No Bank NOC)
- Short-term Private Funding
- Debtor Discounting
- Purchase Bill Discounting
- Unsecured LC / BG Facilities
Equity & Other Financial Arrangements
Asset-backed & structured financing solutions
- Advance Against Credit Card Receivables
- Advance Against Rent Receivables
- Loan Against Property & Loans for Property Purchase
- Loan Against Shares / Securities
Need a Custom Funding Solution?
We structure bespoke financial arrangements tailored to your unique business requirements and cash flow patterns.
Schedule a ConsultationExplore Fiscal Capital Management
Get to know who we are, how we think about funding, and why businesses choose to work with us.
About Fiscal Capital Management
Fiscal Capital Management is a financial services company promoted by professionals with strong backgrounds in multinational and nationalised banks.
About usInsights
Our guiding principles and outlook on responsible funding and long-term financial planning.
View insightsWhy Fiscal
Advisory-first approach, multi-institution access and ethical finance practices that make us a preferred partner.
Why businesses choose usOur Track Record
Numbers that reflect our commitment to excellence and client success
"Every investment should be tied to a clear goal. Without direction, even the longest journey loses meaning."
Our Client
Trusted by leading businesses across various industries
"Working with Fiscal Capital Management has been instrumental in our business growth. Their expertise and professional approach made the funding process seamless."
Introduction
Fiscal Capital Management is a financial services company promoted by professionals with strong backgrounds in multinational and nationalised banks. The team carries extensive exposure to a wide range of financial products and has over 12–15 years of experience in the finance and equity markets.
Over a relatively short period, the company has evolved into a multi-million-rupee organisation with a strong presence in corporate and SME finance.
Our culture is built around quality, skill and performance. We aim to deliver solutions that are not only technically sound but also innovative, practical and responsive to real business challenges. This commitment to excellence has helped us earn recognition from both clients and industry peers.
12-15+ Years
Banking & finance expertise
30+ Professionals
Dedicated team members
Ethical Finance
100% compliant & transparent
SME Focused
Growth-oriented businesses
Our Approach
Understand Your Business
Deep dive into your business model, cash flows, and growth plans
Structure the Right Solution
Design funding proposals aligned with your requirements and repayment capacity
Connect with Partners
Leverage our network of banks, NBFCs, and financial institutions
Support Through Approval
Guide you through documentation, assessment, and disbursement
"We don't lend directly. We structure and arrange funding through our trusted banking and NBFC partners."
Our Vision
Building a trusted financial advisory practice grounded in ethics, innovation, and client-first values
Ethical Business
We are committed to conducting all our activities with integrity and applying strict ethical standards to every client relationship.
One-Roof Financial Partner
Our goal is to act as a single destination for all of our clients' financial requirements—across debt, equity, trade finance and specialised funding.
Continuous Client Updates
We proactively keep our clients informed about new schemes, products and opportunities in the financial markets.
Excellence & Innovation
We strive to be among the most innovative and high-performing financial solution providers, delivering consistent quality in every engagement.
Value Creation
We focus on adding measurable value through technically sound and innovative solutions that help address present and future financial needs.
Management & Team
Our team includes more than 30 highly qualified professionals, including former bankers and chartered accountants, supported by a strong operations and relationship management backbone.
With two offices in Mumbai, India's financial capital, we are well-positioned to serve clients across different sectors and sizes, from emerging SMEs to established corporates.
Our primary objective is to deliver quality service, prompt decision making and reliable execution that translates into long-term goodwill and repeat relationships.
Team Composition
Former Bankers
Experienced professionals from multinational and nationalised banks
Chartered Accountants
Financial experts ensuring compliance and optimal structuring
Relationship Managers
Dedicated support for ongoing client engagement and service
Operations Team
Efficient processing and documentation support
Strategies & Policies
Our approach to building a sustainable, client-focused financial advisory practice
We aim to become a formidable player in terms of turnover and profitability by strictly adhering to clearly defined strategies and policies.
We are committed to delivering consistent, professional and high-quality services, with a special focus on small and medium entrepreneurs.
We continuously identify emerging product opportunities and explore strategic tie-ups, alliances and joint ventures to capture growth in generic finance markets.
We invest in training and developing a team of skilled knowledge managers who grow both professionally and financially within the organisation.
Our business model is designed to reduce risk while leveraging competitor product gaps and maximising opportunities across the entire financial services value chain.
Guiding Principles
Our philosophy on financial planning and client partnerships
Plan your financial requirements well in advance; don't wait for a crisis to look for capital.
Diversify your banking and finance relationships, just as you diversify customers and suppliers.
We represent you before banks and institutions; our interest is aligned with securing the most suitable structure and rate for your business.
Like a broker who executes at market prices, we operate within the realities of the financial markets but always in your best interest.
Business growth is a team effort. Strategic partnerships, including with financial advisors like us, can accelerate success.
Future Outlook
We see significant growth opportunities in both debt and equity products over the coming years, especially for corporate, MME and SME clients.
Our research and market studies indicate that many financial products and structures are evolving, creating new possibilities for businesses that are prepared and well-advised.
Fiscal Capital Management aims to position itself at the forefront of this change, helping clients capture these opportunities with properly structured financial solutions.
Growth Areas
Debt Products Evolution
New structures in working capital and term financing
Equity Opportunities
Growing private equity and venture capital access for SMEs
MME & SME Focus
Specialized products for mid-market enterprises
Structured Finance
Innovative arrangements tailored to business needs
"Positioning ourselves at the forefront of financial innovation to serve our clients better"
Equity & Other Financial Arrangements
Beyond traditional loans and working capital limits, we arrange a range of specialised structures that monetise future receivables or asset values to unlock capital for business growth and personal investments.
Advance Against Credit Card Receivables
Businesses with significant credit card sales—such as retailers or service providers—can unlock future receivables to meet present funding needs. We help structure facilities where expected credit card inflows are converted into an overdraft or working capital term loan, repayable through monthly instalments. These arrangements are typically unsecured and designed to improve working capital without additional collateral.
Ideal For:
Advance Against Rent Receivables
Property owners—companies or individuals—who receive regular rental income can access funding by discounting future rent receivables. We help arrange either overdraft facilities or term loans with monthly repayments, enabling you to raise capital for expansion or other requirements while your rental cash flows service the borrowing.
Use Cases: Business expansion, property acquisition, debt consolidation, or meeting other financial requirements while maintaining rental income streams
Loan Against Property
We arrange loans against residential, commercial or industrial properties for businesses and individuals who need funds to expand operations, consolidate debt or manage other financial requirements. Our role is to secure the most suitable amount and rate so that the borrowing becomes a strategic enabler rather than a burden. Complex or structured transactions can also be evaluated on a case-by-case basis.
Loans for Property Purchase
For clients looking to invest in new properties—whether for their business or as personal investments—we help arrange funding solutions that turn acquisition plans into reality. We work to balance loan amount, tenure and repayment structure so that the investment remains financially viable over the long term.
Our Approach:
Assess your investment goals and financial capacity
Structure optimal loan amount and tenure for long-term viability
Secure competitive rates through our banking network
Guide you through documentation and approval process
Business Properties
Offices, warehouses, manufacturing units
Personal Investments
Residential properties, investment properties
Loan Against Shares
Another way to raise capital is by pledging listed shares with approved lenders. We help you structure overdraft or demand loan facilities against your securities, with a focus on maximising the acceptable valuation and securing competitive pricing. This enables you to access liquidity while retaining ownership of your investments.
Key Benefits
- • Retain ownership of shares
- • Quick liquidity access
- • Continue receiving dividends
- • Flexible repayment options
Facility Types
- • Overdraft facilities
- • Demand loan facilities
- • Against listed shares only
- • Competitive LTV ratios
Note: Loan amount depends on the market value and liquidity of pledged securities. We work to maximize acceptable valuation and secure competitive pricing for your benefit.
Explore Specialized Funding Options
Whether you need to monetize receivables, leverage property assets, or unlock equity value, we can help structure the right solution for your needs.
Discuss Your RequirementsUnsecured Finance
Our unsecured finance solutions are crafted for businesses that have strong operations and relationships but may not have collateral to offer—or prefer not to lock in assets. These products are suitable for meeting short-term working capital gaps, seizing new opportunities or bridging cash flow mismatches.
Working Capital Term Loans (Unsecured)
We arrange unsecured working capital term loans with tenures typically ranging from 1 to 5 years and ticket sizes that can go up to several crores, subject to profile evaluation. These loans are designed to plug short-term working capital gaps and are structured with monthly repayments. No collateral, security or bank NOC is required for eligible profiles.
Short-Term Private Funding
Business opportunities often come with narrow windows. When your bank is unable to structure funding quickly enough, we can arrange short-term private funding solutions. Depending on your track record and relationships, unsecured funding up to a specified limit can be arranged for periods from around 15 days to about a year, enabling you to act on time-sensitive opportunities.
Ideal for: Time-sensitive opportunities, urgent inventory purchases, seasonal demand spikes, or bridging temporary cash flow gaps
Debtor Discounting
Debtor discounting provides financing against your domestic or international receivables. Instead of waiting 60–120 days for customers to pay, you can access funds immediately through arrangements with our banking and institutional partners. This facility is particularly useful for SMEs and mid-sized businesses that offer credit terms but want to maintain smooth working capital flows, and it may be set up independently of your main bank limits without requiring additional security or NOCs.
Purchase Bill Discounting
For well-established corporates, semi-corporates and SMEs that need to procure raw materials or inputs, we can arrange purchase bill discounting facilities. Under this arrangement, your suppliers are paid upfront by our partner bank or institution, and you receive a clean, unsecured credit line with repayment typically after an agreed period (for example, up to 120 days). This allows you to secure better terms with suppliers while maintaining liquidity.
Key Benefits:
Unsecured LC / Bank Guarantee Facilities
Where your business has healthy turnover and meets eligibility norms, we can help arrange unsecured letter of credit (LC) or bank guarantee (BG) facilities over and above your existing bank limits. These are typically suited to companies with a minimum annual sales threshold and are structured to support growth without additional collateral.
Letter of Credit (LC)
Facilitate import/export transactions with bank-backed payment guarantees
Bank Guarantee (BG)
Secure contracts and tenders with performance or financial guarantees
Eligibility: Typically requires minimum annual turnover threshold and strong financial track record. Available over and above existing bank limits.
Need Unsecured Funding Solutions?
Our team can evaluate your profile and recommend the most suitable unsecured finance options for your business needs.
Discuss Your RequirementsWhy Businesses Choose Us
Our advisory-first approach and extensive banking network make us the preferred partner for businesses seeking strategic funding solutions.
Advisory, Not Just Products
We analyze your business model and cash flows before recommending the right funding structure.
Multi-Institution Access
Access to multiple banks, NBFCs, and private institutions allows us to compare and structure better deals.
Ethical & Compliant
Strong focus on regulatory compliance, transparent documentation, and ethical finance practices.
Relationship-Led Model
We stay involved across assessment, sanction, and post-disbursement phases as your trusted partner.
Fast & Efficient
Streamlined processes and strong banking relationships enable faster turnaround times.
Quick Links
Our Services
- Corporate Finance
- Trade Finance
- Unsecured Finance
- Equity & Other Arrangements
Office Location
Mumbai, Maharashtra
India
Email Us
contact@fiscalcapital.com
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Call Us
+91-XXXXXXXXXX
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