# FINKOI > FINKOI is a structured finance and debt syndication advisory firm based in Pune, India, with a stronghold in real estate construction finance. The firm raises debt across PSU banks, private banks, NBFCs and institutions such as SIDBI for real estate developers, manufacturers and mid-market growth businesses, and structures capital so it strengthens the business rather than straining it. Typical mandates range from ₹10 crore to ₹200 crore and above. Key facts: - Founded practice: structured finance, debt syndication, growth capital advisory, MIS and financial planning - Stronghold sector: Indian real estate (land acquisition, construction finance, last-mile funding, refinance, redevelopment, stressed-asset workouts) - Also serves: manufacturing (machinery term loans, working capital) and mid-market growth businesses - Geography: Pune, Maharashtra, advising pan-India - Lender network: public sector banks, private banks, NBFCs, financial institutions (e.g. SIDBI), AIFs and private credit - Engagement model: success fee on debt syndication; retainer or advisory fees for structured engagements - Contact: hello@finkoi.com (general), mandates@finkoi.com (mandates) ## Services - [Debt Syndication](https://finkoi.com/services#debt): Raising debt across banks, NBFCs and institutions for projects, working capital, machinery and expansion. Flagship offering. - [Growth Capital Advisory](https://finkoi.com/services#growth): Capital stack design, debt optimisation and financial planning for aggressive growth. - [MIS & Financial Planning](https://finkoi.com/services#mis): Decision-making MIS, budgeting frameworks and planning systems. - [Real Estate Practice](https://finkoi.com/real-estate): Land acquisition, construction finance, last-mile funding, project refinance, redevelopment, stressed-asset workouts. - [Case Studies](https://finkoi.com/case-studies): Anonymised mandates showing the situation, challenge, approach and outcome. ## Free Calculators - [Construction Loan EMI & Interest Calculator](https://finkoi.com/calculators/construction-loan): Models the moratorium period separately from repayment, showing interest during construction and the EMI afterwards. - [Loan Comparison Tool](https://finkoi.com/calculators/loan-comparison): Compares two loan offers on total cost of credit, not just headline rate. - [DSCR Calculator](https://finkoi.com/calculators/dscr): Debt service coverage ratio against the thresholds lender credit teams use (1.25x minimum, 1.5x comfortable). ## Articles Written in first person by Mohnish (FINKOI), drawing on direct experience with Indian real estate developers and lenders. - [Refinance Is Not a Sign of Trouble. When Replacing Your Lender Is the Smart Move](https://finkoi.com/blog/refinance-is-not-a-sign-of-trouble): Many promoters treat refinancing like admitting a mistake. In reality, the loan that was right at launch is often wrong two years later, because the project de-risked and the loan did not notice. Here is when switching lenders makes clear sense. - [Moratorium Is Not a Holiday. How Interest During Construction Eats Your Margin](https://finkoi.com/blog/moratorium-is-not-a-holiday): No EMI for twenty four months sounds like breathing room. The interest meter, however, starts on day one. Here is how interest during construction works, what delays do to it, and how to model it before you sign. - [The Real Cost of Delaying Your Capital Raise](https://finkoi.com/blog/real-cost-of-delaying-your-capital-raise): I will arrange the money when I need it. That one sentence has cost developers more than any interest rate ever has. Here is what a debt raise timeline really looks like, and what urgency does to your terms. - [Why Do Lenders Reject Good Projects? What Bankability Actually Means](https://finkoi.com/blog/why-lenders-reject-good-projects): The project is viable, the location is strong, and the bank still said no. Rejection is rarely a verdict on the project. It is usually feedback on how the proposal was structured. Here is what lenders actually check. - [A Loan Sanction Is Not Money in the Bank. How Draw-Downs Actually Work](https://finkoi.com/blog/loan-sanction-is-not-money-in-the-bank): The sanction letter feels like the finish line. In reality it is the starting line. Here is how money actually moves from a sanction to your project account, and why projects stall in between. - [What Good Finance Systems Actually Do for Real Estate Developers](https://finkoi.com/blog/what-good-finance-systems-do-for-real-estate-developers): The developers who raise money faster, manage lenders better, and make fewer costly errors are not smarter than the others. They just have better systems running underneath. - [The Interest Rate Is the Last Number You Should Negotiate](https://finkoi.com/blog/interest-rate-last-number-to-negotiate): Every developer negotiates hard on the interest rate. Almost none spend the same energy on structure, even though structure decides whether the money is actually usable. - [Real Estate Project Finance Is Not Always About Raising Money from Banks or NBFCs](https://finkoi.com/blog/real-estate-project-finance-beyond-banks-nbfcs): Most developers think project finance means a bank loan or NBFC facility. The capital stack is broader, more flexible, and often cheaper if you know where to look. - [Why the Structure of Your Debt Matters More Than Its Cost](https://finkoi.com/blog/welcome-to-finkoi-blog): Most developers negotiate hard on interest rate. Far fewer spend the same energy on structure — even though structure is what determines whether a project survives a bad quarter. ## Contact - [Contact page](https://finkoi.com/contact): Share a mandate brief. Response within two working days.