Private credit desk
Credit, arranged privately.
OPULENT360 works with a small number of chief executives, promoters and ultra-high-net-worth families, and with corporate borrowers — NBFCs, fintechs, real estate developers and startups — on high-ticket credit, structured deliberately and never in public.
₹5 Cr – ₹500 Cr
Typical facility range
40+
Lender and family-office relationships
7–21 days
Indicative time to drawdown
By referral
How most clients reach us
Signature mandates
For individuals
Loan against securities
Liquidity from listed holdings, mutual funds and bonds without unwinding a position you intend to keep.
Promoter & ESOP financing
Monetising concentrated stock, funding option exercise, and pledging structures negotiated with lender counsel.
Structured personal credit
Bespoke facilities where standard underwriting fails the profile — variable income, offshore assets, complex ownership.
For corporates
NBFC co-lending & on-lending lines
Capital lines, portfolio-backed credit and bridge financing against loan books or securitisation pipelines.
Fintech working capital
Receivables financing and warehousing lines for lending-led fintechs, including bridges between funding rounds.
Real estate & venture debt
Project, inventory and lease-rental discounting for developers; venture debt and bridge credit for startups.
Discretion
Your balance sheet is not a lead.
Nothing about a mandate leaves the desk without written consent. There is no marketplace, no bidding portal, no distribution of your financials to a panel of institutions hoping one bites. A named relationship lead holds the file from first conversation to final repayment, and lender conversations are opened one at a time.
The process
01
Confidential brief
A single conversation. Nothing goes to a lender without your consent.
02
Structuring
We shape tenure, security and covenants around the outcome you want.
03
Lender syndication
Approached selectively — never broadcast across a marketplace.
04
Drawdown
Documentation, disbursal and ongoing stewardship of the facility.
Financing guides
Loan against mutual funds
Loan against mutual funds for HNIs and family offices
ESOP financing
ESOP exercise financing in India
Unlisted and pre-IPO
Loan against unlisted and pre-IPO shares
Promoter funding
Promoter funding against pledged shares
Cross-border
Loan against securities for NRIs and offshore collateral
Begin with a conversation, not an application.
Discretion
Your balance sheet is not a lead.
Nothing about a mandate leaves the desk without written consent. There is no marketplace, no bidding portal, no distribution of your financials to a panel of institutions hoping one bites. A named relationship lead holds the file from first conversation to final repayment, and lender conversations are opened one at a time.
The process
01
Confidential brief
A single conversation. Nothing goes to a lender without your consent.
02
Structuring
We shape tenure, security and covenants around the outcome you want.
03
Lender syndication
Approached selectively — never broadcast across a marketplace.
04
Drawdown
Documentation, disbursal and ongoing stewardship of the facility.
Financing guides
Loan against mutual funds
Loan against mutual funds for HNIs and family offices
ESOP financing
ESOP exercise financing in India
Unlisted and pre-IPO
Loan against unlisted and pre-IPO shares
Promoter funding
Promoter funding against pledged shares
Cross-border
Loan against securities for NRIs and offshore collateral