Structured Lending
Complex Financing Needs
Deserve Engineered Solutions.
When standard loan products don't fit — WEVRIN designs bespoke lending structures for HNIs, promoters, family businesses, and developers using the full depth of our banking relationships and 20+ years of credit expertise.
What is Structured Lending
When Standard Products
Don't Fit Your Situation
Structured lending refers to bespoke financing arrangements designed for situations that fall outside the parameters of standard loan products. This includes promoter funding, bridge loans, mezzanine finance, project finance, leveraged buyouts, real estate construction finance, and complex collateral arrangements.
These transactions require not just banking relationships but deep credit structuring expertise — understanding how lenders assess complex risk, how to design collateral packages, how to structure repayment to match cash flow profiles, and how to navigate multi-lender coordination. This is where WEVRIN's 20+ years of multinational banking expertise delivers extraordinary value.
Solutions We Structure
Structured Lending Products & Solutions
Each solution is designed from the ground up — no standard templates, no one-size-fits-all approach.
Promoter Funding Against Shares
Funding for promoters against pledge of their company shares (listed or unlisted). Used for business expansion, acquisition, or personal liquidity — structured to avoid margin call risk and promoter dilution.
Bridge Loans
Short-term, high-flexibility financing for a defined purpose with a clear repayment event — property sale, IPO proceeds, refinancing, or asset disposal. Structured for speed of execution and minimal conditions.
Lease Rental Discounting (LRD)
Monetise the future rental income of your commercial property by discounting it upfront. A lender provides a loan against the NPV of committed lease rentals from a creditworthy tenant — often at very competitive rates.
Real Estate Construction Finance
Project-level financing for residential or commercial real estate development — disbursed in tranches against construction milestones. Structured to align with RERA, sales collections, and project cash flows.
Acquisition & Buyout Finance
Debt funding for acquiring a business, a property portfolio, or a stake in a company — structured around the target's cash flows, assets, and seller conditions. Includes LBO and management buyout structures.
Mezzanine & Hybrid Debt
Subordinated debt that sits between senior debt and equity in the capital stack. Offers higher returns to the lender in exchange for flexibility in collateral, repayment, and covenants — useful for transactions where senior debt alone is insufficient.
Our Approach
How WEVRIN Structures
Complex Transactions
Deep Requirement Discovery
We begin with an in-depth conversation about your business situation, the specific funding need, timeline, collateral available, and acceptable repayment structure — before touching a single product.
Transaction Structuring
We design the deal structure — loan type, collateral package, security creation, repayment waterfall, covenants, and lender consortium if needed — drawing on deep credit structuring expertise.
Lender Identification & Approach
We identify the 2-4 lenders best suited to this specific transaction type — based on appetite, relationship, and past transaction experience. We present a full credit memo, not a loan application form.
Term Sheet Negotiation
We negotiate term sheets across multiple lenders simultaneously — achieving the best combination of rate, collateral haircut, repayment flexibility, and covenant headroom.
Documentation & Execution
We coordinate legal documentation, security creation, condition precedent satisfaction, and drawdown — often managing multiple counterparties simultaneously to maintain timeline discipline.
Why WEVRIN
What Makes WEVRIN Different in Structured Lending
Structured lending is not a product you buy. It's a transaction you engineer. These are the capabilities that matter.
Banker's Perspective
20+ years inside multinational and Indian banking institutions means WEVRIN understands exactly how credit committees think, what they fear, and what makes them say yes — at every deal size.
Deep Lender Relationships
Structured deals require trust at the relationship level — not just application submission. WEVRIN's banking relationships span PSU banks, private banks, NBFCs, family offices, and alternative credit funds.
Credit Memo Expertise
A compelling credit memo is the difference between a deal getting approved and getting shelved. WEVRIN presents transactions in the language lenders use — with risk mitigation clearly structured in.
Legal & Structural Coordination
Complex deals involve multiple legal agreements — pledge agreements, escrow accounts, intercreditor agreements, and security documents. WEVRIN coordinates the full legal stack.
Deal Timeline Management
In structured deals, delays are expensive. WEVRIN manages every counterparty — lenders, lawyers, valuers, and borrowers — to keep transactions on track and on time.
Confidentiality & Discretion
Structured deals often involve sensitive business situations — promoter liquidity needs, acquisition targets, or restructuring. WEVRIN maintains complete confidentiality throughout every engagement.
Apply Today
Structure the Right Deal for Your Situation
Complex financing deserves expert engineering. WEVRIN brings 20+ years of banking expertise to every structured transaction.