The healthcare group engaged us to identify a sustainable fundraising strategy that would reduce the cost of borrowing, ease liquidity pressure, and strengthen financial stability.

After a detailed financial health check and cash flow analysis, our strategy focused on three key interventions:

1. Local Debt Mobilization – Tapping into Middle Eastern banking institutions for refinancing, instead of continuing reliance on Indian debt facilities.

2. Loan Structuring for Liquidity – Designing a longer-tenure loan with reduced monthly repayment obligations to free up working capital.

3. Innovative Collateralization – Proposing receivables assignment and equity pledges as security, replacing the traditional immovable property requirement.

We engaged with leading banks in the region, presenting a transparent financial model and negotiating terms aligned with the client’s unique needs. Our expertise in healthcare financing and deep understanding of Middle Eastern banking practices proved critical in gaining lender confidence.

The client successfully secured a comprehensive funding package from a reputed local bank that included:

• A term loan at substantially lower interest rates.

• A working capital facility to address short-term cash flow mismatches.

• Unsecured lending, structured against receivables and share pledges instead of immovable property.

This outcome transformed the client’s financial position:

• Borrowing costs reduced significantly, improving profitability.

• Monthly EMI burden eased, creating breathing space for growth.

• Timely salary and vendor payments restored, ensuring operational stability.

• Local credit history established, enabling easier access to future funding in the Middle East.