We make Indian projects bankable.

A large share of the world's growth now comes from India. The capital to fund it is still catching up.

17%of world growth

India's expected share of global economic growth in 2026.IMF

6.4%growth forecast

For the year to March 2027, among the fastest of the large economies.IMF

₹30lakh crore

Credit that smaller businesses need and cannot get. About US$310 billion.SIDBI

₹2.5lakh crore

Loans securitised in the year to March 2026, a record. About US$26 billion.ICRA

Sources: IMF World Economic Outlook updates, 2026. SIDBI, Understanding Indian MSME Sector, May 2025. ICRA, April 2026. Dollar figures at about ₹96 per dollar. Forecasts can change.

Four kinds of work. A mandate can cover one of them or all four.

Financing strategy and capital structure

We work out how much debt and equity a business or project can carry, and in what order to raise them. The answer comes from the cash flows and the security available, and we write it down as a structure a lender can assess.

Cash-flow modelling and debt sizing

We build a period-by-period model of revenue, costs, tax and debt service from the contracts and the operating assumptions. Debt is sized to the cover ratios lenders apply, in a base case and in downside cases.

Risk scoring and independent diligence

We read the full document set and score the risks a credit committee will raise, from offtake and supply to construction, approvals and sponsor strength. Each score comes with the evidence behind it and the gaps still open.

Lender-ready documents and arranging Indian debt

We prepare the information memorandum, the model and the data room in the form Indian banks and institutional lenders expect. We then approach suitable lenders in India and manage the questions that follow.

Five steps, in this order. Each one feeds the next.

1. 01

   Read every document

   We start with the full set: contracts, approvals, land papers, financial statements, technical reports and existing loan documents. We list what exists, what is missing and what conflicts.

2. 02

   Rebuild the model

   We build our own cash-flow model from the source documents. Every input traces to a page in the document set, and the sponsor's spreadsheet serves as a cross-check.

3. 03

   Score the risk

   We score each risk area against written criteria and record the evidence. The result is the RupyAI Score, and it shows where a lender or investor is likely to push back.

4. 04

   Fix what blocks financing

   Weak points are dealt with before any lender sees the file. That can mean a firmer offtake term, a missing approval, more sponsor equity or a smaller loan.

5. 05

   Go to lenders once

   The proposal goes out when the file is complete. Lenders see one consistent set of documents, one model and one set of answers.

The work happens in India. The method comes from the market where loan pools are priced and financed every day.

Sectors in India where repayment comes from contracted or recurring cash flow and from the asset itself.

We build our own analytical tools. The deal desk is our internal workspace: each deal has one page that holds the documents, the model, the risk score and the plan.

Cash-flow engine

Projects revenue, costs, tax and debt service period by period, and reports the cover ratios under each scenario.

RupyAI Score

One score out of 100 for each deal, built from twelve risk areas, with the evidence for every point listed beside it. Over time it becomes a lending score for Indian small-business credit, trained on how loans actually perform.

Document library

Files every source document by type, so that each number in the model points back to a page.

The tools are internal and still being developed. They organise the analysis and keep it traceable. The judgement stays with a person.

Short explainers on how lenders look at cash-flow-backed deals.

• How lenders size debt on a project: DSCR in plain words

  What the debt service coverage ratio measures, how it turns projected cash into a loan size, and why the downside case decides.

  Explainer · 2 min read

• India's compressed biogas scheme: what a financier checks first

  The policy creates demand for gas. A lender still asks six questions about one specific plant.

  Explainer · 2 min read

• What a risk scorecard does that a pitch deck cannot

  A deck argues for a deal. A scorecard applies the same questions to every deal and records what the documents show.

  Explainer · 2 min read

All insights

Tell us what the business does, what you want to finance and roughly how much. Two paragraphs are enough to start. Manish reads every message himself.

manish@rupy.ai

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