Capital that moves
at your pace
Allumer Fintech is a financial intermediary facilitating structured private debt, equity, and hybrid financing — with business loans starting from 4% p.a. — for businesses across all sectors.
What We Do
End-to-end transaction management — from first call to disbursement
Structured Private Debt
Access institutional private debt at rates from 4%–9% p.a. with tenures and moratorium periods tailored to your cash flow.
Equity & Hybrid Capital
Hybrid structures designed to balance control and capital — with investor representation on your board for long-term alignment.
Curated Investor Network
HNI investors and institutional funding partners, including cross-border capital from the Middle East and beyond.
End-to-End Management
From initial scoping through NCND execution, LOI, MoU, due diligence, and final disbursement — we manage the lifecycle.
The Funding Process
15 structured stages, one managed journey
From initial introduction to final disbursement and expense reimbursement, the process runs through 15 structured stages with an indicative timeline of 60–90 International Working Days. The full stage-by-stage guide — including the document checklist and agreement templates — is in the Process Overview PDF.
- 01Introduction & Scoping
- 02NCND Execution
- 03Funding Proposal & Fund Utilisation Plan Submission
- 04Investor Video Conference
- 05In-Person Investor Meeting
- 06Investor Feedback
- 07NDA Execution
- 08Document Checklist
- 09Letter of Intent (LOI)
- 10Feasibility Analysis — Preparation & Payment
- 11MoU Signing
- 12Quantification, Structuring & Internal Due Diligence
- 13Interim Investment Agreement (if applicable)
- 14Definitive Documentation
- 15Further Steps, Disbursement & Reimbursement
Indicative Rates
Transparent interest rate schedule
Indian Companies — General
4.0% – 7.0%
per annum
Indian Companies — Real Estate
5.5% – 9.0%
per annum
Companies Outside India
3.5% – 5.5%
per annum
All rates indicative, subject to due diligence and bilateral negotiation. Final rates in MoU and Investment Agreement.
Ready to begin your funding journey?
Reach out to initiate the process. Our team will scope your requirement and guide you through every step.