PRIVATE CREDIT
What private credit lenders check before approving a real estate debt facility
Real estate developers often approach the wrong lenders with the wrong information. Here is what the right lenders actually evaluate.
Read the analysis →
Real Estate Finance
Construction finance and private credit for real estate developers in India.
Private Credit → Real Estate Finance
Eone Capital is a specialist private credit and debt syndication advisory firm in India. We arrange structured debt of ₹30 crore and above for real estate developers, MSME manufacturers, and healthcare operators — working with banks, NBFCs, AIFs, and private credit funds to place the right instrument with the right lender.
Real Estate Debt Advisory
We arrange structured debt for real estate developers across India.
Eone Capital works with residential and commercial real estate developers requiring debt capital for construction, land acquisition, project refinancing, or acquisitions. We assess the project, structure the facility, and place it with the right lender — banks, NBFCs, AIFs, or private credit funds — based on the specific requirement.
We have active mandates in the real estate sector across multiple cities, with a current pipeline of ₹940 crore. Lender relationships span private credit funds actively deploying in Indian real estate, NBFCs with construction finance expertise, and family offices seeking real estate debt exposure.
₹940 CrACTIVE MANDATE PIPELINE
₹30 Cr+MINIMUM TICKET SIZE
Pan-IndiaGEOGRAPHIC COVERAGE
What We Finance
Four transaction types. One advisory standard.
CONSTRUCTION FINANCE
Debt arranged for active development projects — structured against project cash flows, pre-sales, and collateral. Suitable for residential, commercial, and mixed-use developments.
LAND ACQUISITION FINANCE
Structured debt for land purchase ahead of project launch. We assess the asset, developer track record, and exit path — then place with lenders comfortable with pre-development risk.
PROJECT REFINANCING
Replacing expensive existing project debt with better-structured facilities at lower cost or longer tenor. Full refinancing process managed from assessment to close.
ACQUISITION FINANCING
Debt to fund acquisition of a real estate asset, project, or company. Structured against asset value and acquirer's balance sheet.
Underserved Segments
Where conventional lending falls short.
Conventional bank lending struggles with two fast-growing segments: senior living and retirement housing, and holiday and second-home developments. Both are capital-intensive, both have strong structural demand, and both are systematically underserved by standard credit channels. Private credit funds and AIFs are the right lenders for these projects — and we have the relationships to place them.
Senior Living & Retirement Housing
India's aging population and rise of nuclear families is driving demand for professionally managed senior living. Capital for this segment requires lenders who understand the operating model — we identify and approach the right ones.
Holiday Homes & Second-Home Developments
Weekend and vacation home developments are a growing segment with strong buyer demand but limited access to structured project finance. We arrange private credit for developers building in this space.
Free Checklist
The 12 questions private credit lenders will ask before approving your facility.
Download our Private Credit Readiness Checklist — the exact questions a Category II AIF or NBFC will ask during due diligence. Know the answers before they ask.
- —12 lender due diligence questions
- —Security package requirements
- —Documentation checklist
Get the free checklist
Instruments Available
The instrument follows the transaction.
We assess the requirement and structure the right instrument — not the other way around.
Term Loans
Arranged through banks and NBFCs for construction, land, and acquisition requirements with standard collateral and cash flow coverage.
NCD Structuring & Placement
Non-Convertible Debentures privately placed with institutional investors and family offices — used where a standard loan structure does not fit the transaction or collateral.
Structured Facilities
Bespoke structures combining senior debt, mezzanine, or equity-linked instruments for complex transactions requiring a layered capital solution.
How We Work
From mandate to disbursement.
01
Mandate Assessment
Project, developer track record, capital structure, and lender profile — assessed before we engage.
02
Structuring
Instrument, security package, tenure, and repayment terms structured for the specific transaction.
03
Lender Placement
Approached to the specific lenders whose current deployment strategy matches the transaction.
04
Close
Process managed through term sheet, due diligence, documentation, and disbursement. We earn at close.
Related Reading
From our Insights desk.
PRIVATE CREDIT
Construction finance in India — how real estate developers access private credit
Banks alone cannot fund India's real estate expansion. Private credit has stepped in. Here is how the market works.
Read the analysis →PRIVATE CREDIT
How NCD security structures work in India — what lenders actually require
The NCD security package consists of charges over land, receivables, shares, and guarantees. Here is what each component involves and what creates legal complications.
Read the analysis →Discuss your real estate debt requirement.
₹30 crore and above. All project types. All India.
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