About
A small desk, deliberately.
OPULENT360 was built for borrowers whose finances are complex enough that the answer is never on a rate card. We take on a limited number of mandates a year so each one is held by someone who knows it in full.
Who we serve
Individuals
Chief executives & senior leadership
Compensation weighted to equity, deferred cash and carry — profiles that read thin on a salary-driven scorecard and rich on a balance sheet.
Promoters & founders
Concentrated ownership, pledge histories, lock-ins and governance disclosure that need sequencing rather than speed.
Family offices
Leverage decisions taken at the portfolio level, coordinated with existing bankers and investment counsel.
Ultra-high-net-worth individuals
Multi-jurisdiction assets, trust structures and privacy requirements that rule out conventional retail channels.
Corporates
NBFCs
Co-lending and on-lending capital lines, portfolio-backed credit, and bridge financing against loan books or securitisation pipelines.
Fintech
Working capital and receivables financing, warehousing lines for lending-led fintechs, and short-tenure facilities to bridge between funding rounds.
Real estate developers
Project and construction finance, inventory funding against unsold units, and lease-rental discounting (LRD) for completed assets.
Startups
Venture debt and founder-friendly structured credit, used as runway extension or a bridge between equity rounds without dilution.
The team
Career credit people, on your side of the table.
The desk is staffed by people who spent their careers underwriting, structuring and syndicating credit inside private banks, NBFCs and wealth platforms. They know how a committee reads a file, which objections are fatal and which are negotiable, and what a lender will quietly accept if it is asked for correctly.
OPULENT360 is remunerated by arrangement fee, disclosed in writing before any lender is approached. We do not take undisclosed distribution commissions that would bias which lender we recommend.
Governance & confidentiality
Handled quietly, by default.
- Mandate details are shared with a lender only after your written consent, lender by lender.
- Enquiry data is used solely to respond to your enquiry and is never sold or shared for marketing.
- OPULENT360 arranges credit; it is not a lender and does not accept deposits. Every facility is subject to lender approval and applicable regulation.
- Fee terms are disclosed in writing before work begins, with no undisclosed lender incentives.
Most clients arrive by referral. You can simply write to us.
If you would rather read first, start with the mandates we arrange, the way the desk works, or our financing guides.