NBFCs Advisory

Finhive Capital has achieved a niche market standing in various transactions related to NBFCs. We offer wide spectrum of services to NBFCs under one roof. We have assisted several lending institutions in setting up business in India and supported them with Financial, Credit and Legal assistance in funding to NBFCs. Finhive Capital has in house credit team and scorecard to assess NBFCs on various parameters.

◉ PURCHASE AND SALE OF NBFCs - We have assisted several fintech and corporates and purchase and sale of NBFCs. Our team provided end to end support to our clients from identification of NBFCs for sale, Due Diligence, RBI Compliance and Funding.

◉ RBI COMPLIANCES- NBFCs are required to submit various returns to RBI w.r.t their deposit acceptance, prudential norms compliance, ALM etc. Detailed instructions regarding submission ofreturns by NBFCs have been issued through various company circulars. We help the NBFCs in these compliances.

◉ ARRANGEMENT OF DEBT AND EQUITY - We work with NBFCs to develop and implement custom solutions to their Specific Debt and Equity needs. Over the years, we have built a wide network of relationships with leading Banks, NBFC, International financial institutions and Domestic financial institutions across the country. ECA Group has already closed more than 50+ deals of various NBFCs valuing 2000+ crore.

◉ COLENDING AND BC PARTNERSHIP WITH BANKS AND NBFCs- The term co-lending or co-origination refers to the coming together of two lending firms to disburse joint loans to the borrowers. Considered to be a major part of the co-financing structure, it is a set-up where the banking and non-banking sector join hands in an arrangement for the joint contribution of credit for priority sector lending. This alliance authorizes firms to source clients, conduct credit appraisals & disburse a small part of the loan amount. According to this arrangement, both banks and NBFCs share risk in a ratio of 80:20; 80 percent of loan is borne by the bank and a minimum of 20 percent remains with non-banks like NBFCs, HFCs, Fintech, etc. Although the concept of co lending agreement has existed over the years, it has led to more banks and NBFCs coming together to make funds available to the priority sector after the Reserve Bank of India (RBI) laid out the framework for co-origination of loans. SBFC (Small Business Finance), an NBFC lending to small businesses, was one of the first NBFCs to co-lend with ICICI Bank in 2019. Recently, more banks and NBFCs have embarked on increasing the Co-Lending tie-ups.

◉ EXTERNAL RATING ADVISORY- Finhive Capital assists existing as well as new clients in managing their relationships with credit rating agencies and accompany them in enhancing the same.

Finhive Capital ensure end to end close supervision to achieve deserving credit rating from best possible rating agency. Our credit advisory make bridge to connect your unique credit profile to most appropriate rating agency and analysis therein.
A. Evaluation of the Initial rating.
B. Credit positioning and comprehensive credit rating analysis.
C. Advice on Management of Credit Ratings.
D. Steps to enhance/protect your current rating.
E. Timeline preparation for Future Process.
F. Management of Credit Ratings on an agreed Timeline.