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Structured Finance

Unlock Complex Capital Solutions with Structured Finance

Customized structured loan products for unique business needs

Cash-flow-based lending with flexible terms

Expert support across acquisitions, PE exits, and off-balance sheet funding

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165+

YEARS OF EXCELLENCE

3.8+ Cr.

ACTIVE CUSTOMER BASE

1300+

BRANCHES ACROSS INDIA

₹3.9 Lakh Cr.

AUM AS OF JUNE, 2023

What is Structured Finance?

At Aditya Birla Capital, we understand that complex business goals require more than off-the-shelf lending. That’s where structured finance comes in.

Our structured loan products go beyond traditional financing. We offer tailor-made solutions backed by your company’s cash flows, future earnings, or strategic objectives—not just physical assets. Whether you’re managing long-term working capital needs, seeking acquisition funding, or arranging a PE exit, our structured lending solutions are designed to give your business financial agility, speed, and control.

Customised Solutions

Every deal is structured around your company’s specific cash flow patterns, sector dynamics, and funding goals.

Flexible Debt Structures

From bridge loans to long-term structured loans, we help you manage liabilities efficiently.

Cash-Flow Based Lending

Loan repayments are structured around projected earnings, not just balance sheet assets.

Expert Structuring Team

In-house professionals analyze your financials, market, and risks to deliver the right product structure.

Comprehensive Coverage

Financing available for working capital, acquisitions, off-balance sheet needs, and more.

Types of Structured Finance

Cash-Flow Backed Loans

Loans based on your projected EBITDA and margins. Ideal for businesses with strong future cash flow visibility but limited tangible assets.

Long-Term Working Capital & Corporate Loans

Custom-built funding structures to manage growth-related liquidity pressures and long-term capital requirements.

Acquisition Financing

Funding for business expansion, mergers, or acquisitions—structured based on the nature of the transaction, company profile, and sector dynamics.

PE Exit Solutions

Facilitates liquidity for distributions, debt refinancing, and post-deal restructuring needs during private equity exits.

Off-Balance Sheet Funding

Financing options like operating leases or partnerships that don’t inflate your liabilities, offering better leverage and cleaner balance sheets.

Retain Ownership

Your investments stay intact and continue to earn returns, even while being used as collateral.

How Structured Finance Works

Unlike traditional loans, structured finance involves crafting deals that align with the borrower’s unique cash flow profile, risk appetite, and business goals. Here's how it works:

Assessment:

Our team conducts a deep dive into your financials, industry, and funding needs.

Structuring

We design a structured loan that may include cash-flow triggers, milestone-based disbursements, or hybrid instruments..

Execution

Once terms are agreed, funds are disbursed, and repayment schedules are linked to performance metrics like EBITDA or revenue.

Monitoring

Ongoing support and adjustments ensure the financing remains aligned with your business trajectory.

Applications of Structured Finance
Structured finance is ideal for businesses and institutions facing unique financial requirements or constraints. Common use cases include:

Funding large-scale expansions and capex

Bridging cash flow gaps during restructuring

Enabling mergers and acquisitions

Facilitating private equity exits

Eligibility Criteria and Required Documents for Loan Against Shares

To be eligible for a loan against equity shares, you must:

Eligibility:

Be an individual (salaried or self-employed), HUF, or business entity.
Own eligible marketable securities approved by Aditya Birla Capital.
Maintain a Demat account for share pledging.

Documents Required

Valid ID proof (PAN, Aadhaar, Passport, etc.)
Address proof (utility bill, Aadhaar, etc.)
Bank statements (last 6 months)
Demat account details
Income documents (ITR, salary slips, or audited financials depending on applicant type)

Customer Satisfaction Stories

Don’t just take our word for it. Hear from our customers about their successful financial journey with us

Mr. Hiralkumar Ashokbhai Patel

Aditya Birla Finance Customer

The digital platform and whatsapp service of ABHFL gives me a quick access to my basic loan details such as statement of accounts, loan account details, interest certificate, and repayment schedule.

Mr. Arpit Jain

Aditya Birla Finance Customer

Gurgaon, India

Mr. Pramod Kumar Saini

Aditya Birla Finance Customer

Highly appreciate the speed of work at ABHFL, my overall experience in the home loan journey was good.

Mr. Dharmendra Kumar

Aditya Birla Finance Customer

Meerut, India

Loan Against Property

Pledge property, access funds

High LTV ratio for loans
Low interest rates, easy repayments

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Balance Transfer

Lower rates, affordable repay

Reduced Interest Rates
Lower Monthly Payments

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FAQ on Loan Against Shares

Simply reach out to Aditya Birla Capital online or visit our nearest branch. Submit your application, pledge your shares, and get funds upon approval.

Loan amount depends on the type and value of your eligible securities. The minimum loan is ₹25 lakh, and the final sanction depends on share quality and LTV (Loan-to-Value) ratios.

Salaried individuals, self-employed professionals, HUFs, and corporates who own eligible equity shares or mutual funds can apply.

Our loan against shares interest rate is competitive and varies based on market conditions and your profile. Please contact us for current rates.

You'll need KYC documents, bank statements, Demat account details, and income proof depending on whether you're salaried, self-employed, or a business.