Frequently Asked Questions
General Questions
Finseich is built for institutions and businesses – such as schools, SMEs,
warehouses, hospitals, logistics companies and vendors to strong anchors – that need structured
capital for growth, infrastructure or working capital.
Finseich primarily acts as a specialised lending and structuring platform.
Depending on the product, we may lend directly, co-lend or structure solutions with partner
financial institutions, as per applicable regulations and policies.
Our coverage is expanding in phases. Availability may vary based on product,
ticket size and location. When you share your basic details, our team will confirm whether we
can currently support your geography and segment.
Our focus is on registered entities – schools, trusts, companies, LLPs,
partnership firms and established proprietorships. We are not a personal loan platform for
individual consumers.
You can submit an enquiry form on our website or contact us through the
details shared on the Contact page. A relationship manager will connect with you to understand
your requirement and guide you through the next steps.
School Infrastructure Loan FAQs
We typically work with K–12 schools, junior colleges and established educational
institutions that have a clear track record, stable enrolments and compliant
operations. Independent or trust-run schools can both be considered subject to policy.
For completely new schools, we place more weight on the promoter’s experience,
project plan, location and capital commitment. In some cases, we may support
greenfield projects, but approvals are always subject to detailed evaluation.
Typical use cases include classroom blocks, labs, libraries, sports facilities,
hostels, safety upgrades, smart-class infrastructure, buses and related
infrastructure. We normally do not finance purely non-educational use.
Eligibility is driven by fee collections, existing liabilities, projected
enrolments, promoter support and property value (where applicable). Our team
combines numbers with on-ground understanding of your institution.
In most infrastructure-led cases, property or other collateral is
required. The exact security structure depends on ticket size, cash flows, project risk
and internal policy.
SME Working Capital & Corporate Term Loan FAQs
A Working Capital Loan mainly supports day-to-day operations – purchases,
salaries, inventory and short-term gaps. A Term Loan is used for longer-term
investments such as machinery, capacity expansion, warehouses or project funding, with a
fixed repayment schedule.
We typically support formal SMEs and closely held companies with clear
banking track, GST compliance, audited financials and a defined business model. The exact
sectors we are active in may change with time and policy.
Profitability is important, but we also look at trend, cash flows, order book
and promoter strength. A single year of lower profit does not automatically mean
a decline, but sustained stress will impact eligibility.
In many cases, yes. We can explore supplementary or structured facilities
that sit alongside your regular bank limits, subject to exposure norms and inter-creditor
understanding where required.
Refinance is considered where it improves your long-term position –
for example, by providing a better structure, clearer amortisation or more appropriate
tenure. Every case is assessed individually.
Warehouse Construction & Asset-Backed Loan FAQs
We typically look at grade-A / grade-B warehouses, logistics parks, storage facilities
tied to stable demand, and expansion of existing units. Viability, location and
occupancy potential are key.
In some structures, land plus construction may be considered, but this is
highly policy- and case-dependent. Many lenders prefer to finance construction where land
is already acquired.
Security is typically in the form of mortgage of the warehouse property and,
in some cases, additional collateral or guarantees, depending on the risk profile and
exposure.
Yes, rental / lease agreements, LOIs and occupancy history can be an
important part of the assessment, as they show the earning potential and stability of the
asset.
For larger projects, disbursal is often linked to milestones, such as
completion stages and utilisation certificates. This protects both the borrower and the
lender during execution.
Vendor & Invoice Financing FAQs
Invoice finance is linked to specific invoices or vendor bills, and usually
has a shorter tenor aligned to the payment cycle. Working capital loans are more general-purpose
and not tied to particular invoices.
We focus on invoices raised on credible, clearly identifiable customers or anchors.
Certain sectors, counterparties or structures may be restricted as per risk policy.
Some structures are with notification and some are without.
This depends on program design, legal documentation and risk. The approach is always
explained before you sign up.
You remain responsible for repayment as per the facility terms. Persistent delays or shortfall
may lead to additional interest or charges and will be handled in line with
the agreement.
Yes, in vendor / payable financing, funds may flow directly to your vendors,
helping you maintain relationships, get better terms and avoid operational disruption.
Hospital & Medical Facility Loan FAQs
No. We work with a mix of multi-speciality hospitals, nursing homes, clinics and
diagnostic centres, depending on project scale, experience and viability.
It is not always mandatory, but clinical or healthcare management experience
in the team is a strong positive. We look at overall governance, depth of expertise and
execution capability.
In many cases, yes. A combined structure that covers civil work, interiors and
equipment may be considered, subject to project viability and policy.
A limited moratorium on principal repayment may be possible during
construction or initial ramp-up, depending on the structure, risk and internal guidelines.
Yes. The payor mix (cash, insurance, government schemes, corporate tie-ups)
is important as it influences collection cycles, margins and cash flow stability.
Documents, Pricing & Repayment FAQs
No. While basic KYC, financials and bank statements are common, each product
has a specific document list – for example project reports for infra, invoices for invoice
finance, or medical equipment quotes for hospital loans.
Pricing is based on a combination of risk, tenure, security, sector, ticket size and
overall relationship. We avoid generic “one rate for all” and try to keep
communication transparent.
Most facilities involve processing fees and standard charges (like legal,
valuation or documentation charges) which are communicated up-front before you decide to
proceed.
Within policy limits, we aim to align repayment to your actual cash flow pattern
– for example, school fee cycles, project milestones or seasonal business. Details are
finalised at sanction stage.
Prepayment terms vary by facility and lending partner. Any applicable prepayment or
foreclosure charges will be clearly mentioned in the sanction and agreement before
you sign.
Yes. For facilities that are reported to credit bureaus, timely repayment
helps build your profile, while delays or defaults can negatively impact the scores of the
entity and sometimes promoters, depending on the structure.
In many cases, yes. For example, you might have a school infrastructure loan plus an
additional working capital or invoice facility. Overall exposure, cash flows and
risk will determine how much can be supported.
If you foresee stress, it is important to inform us early. While there is
no guarantee of restructuring, early communication helps explore options within policy and
regulatory guidelines, instead of reacting after missed payments.
Our focus is on secured or partially secured structures. In some limited
cases, we may look at lower-ticket, cash-flow-backed facilities with limited security, but
this is not our core proposition.
The best next step is to share a brief outline of your requirement via our
Contact page. Our team will connect with you, clarify product fit, and then tailor the
discussion to your specific institution or business.
