OUR SERVICES & SPECIALIZATION

Specialized in Corporate Debt, Industrial & Commercial Projects and Working Capital Solutions

We empower businesses by arranging strategic debt funding solutions that drive both growth and stability. Our services cover financing for CAPEX to enable long-term financing and OPEX to maintain seamless operational liquidity. With a dedicated focus on Corporate Debt, Industrial and Commercial Projects, and Working Capital financing, we cater exclusively to mandates where the total project cost is ₹5 Crores and above.

Capital Expenditure Solutions: CapEx refers to funds used to acquire, upgrade, or maintain long-term physical assets (Property, Plant, and Equipment). These are investments meant to grow the business over several years.

Operating Expenditure Solutions: OpEx refers to the day-to-day costs required to keep the business running. These are recurring, short-term expenses.

Service Scope Limitation:

It is hereby clarified that Delhi Wealth Group (and its associated entities) operates strictly as a consultant for Debt Financing mechanisms. The Firm does not solicit, arrange, or advise on equity-based instruments, including but not limited to Seed Funding, Angel Investment, Venture Capital, or Private Equity. Any engagement with the Firm shall be confined to the scope of debt syndication and loan consultancy only.

1. GREENFIELD PROJECT FINANCE CONSULTANCY

Greenfield and Start-Up Financing

Greenfield Project Finance Context:

In practical terms, a Startup is nothing but a Greenfield Project. But don’t confuse "Greenfield" with the colour green or agriculture. Many people assume "Greenfield" is related to farming, but in finance, it means a business that is being launched from scratch or from zero. Unlike established corporate financing, which relies on a company's past track record and historical balance sheets, this mode of financing supports a fresh venture where no prior infrastructure or operations exist.

In this scenario, the lender’s primary comfort is not the past performance (since there is none), but the projected viability of the new business. Lenders evaluate the feasibility, the strength of the business plan, and the future revenue potential of the newly incorporated entity to determine creditworthiness.

Start-Up Financing (Aligned with Greenfield Principles):
In the context of a company starting from scratch, Start-Up Financing operates on the following parallel principles:

Valuation Based on Future Potential: Since the company is newly incorporated, there are no historical financial statements (ITR or Balance Sheets) for lenders to analyze. Therefore, financing is approved strictly based on the "Projected Cash Flows" and the robustness of the business model.
Promoter's Contribution & Skin in the Game: Because the company is starting from scratch, lenders typically insist on a higher "Promoter Contribution" or equity infusion. This ensures the founders are financially committed to the project before external debt is released.
Creation of New Assets: The financing is utilized entirely for the creation of new assets (CAPEX)—such as purchasing new machinery, developing software, or setting up a factory—rather than refinancing old debts or general corporate purposes.
Moratorium Period (Holiday Period): recognizing that a company starting from scratch will not generate immediate revenue, repayment schedules usually include a "Moratorium Period." During this phase, the borrower is not required to pay the principal amount, allowing the business time to stabilize operations.

(A) Setting up a New Industrial Units

Establishing a New Unit from Scratch

Start from scratch and Take your business to the next level that means align strategy, capital, and suitable funding. We help founders and promoters plan and secure industrial project-aligned financing for fresh setups and expansion—whether you are constructing a new facility, upgrading an existing plant, or investing in critical machinery and working capital.

Financing Solutions for Fresh Setups

As your project finance consultants, we specialize in transforming your vision for a new industrial unit into a bankable and fully funded reality. We design and execute a comprehensive funding strategy, acting as the bridge between your greenfield project and the right financial institutions.

Our end-to-end advisory services ensure capital is structured and arranged for every critical component of your project, including:

Land Acquisition – Funding for purchase of industrial land.
Construction Costs – Financing for factory buildings and infrastructure.
Machinery & Equipment – Funding for plant, machinery, and technology.
Miscellaneous CapEx – Ensuring your project is fully covered by arranging finance for essential assets like furniture, fixtures, security systems, and other pre-operative costs.
Working Capital (OpEx) – Assessing requirements and securing credit facilities for raw materials, wages, and initial operating expenses.

Where funding is arranged to set up a new industrial unit under a newly incorporated company, the transaction requires careful structuring and close monitoring. In our experience, several units across industrial clusters become stressed or non-functional even before commencing operations, primarily due to gaps in planning, execution, and financial structuring.

This is where D Wealth Services (a Delhi Wealth Group company) adds value. Our team comprises seasoned ex-bankers and project finance professionals with over 25 years of experience. We provide end-to-end guidance to ensure timely implementation, disciplined fund utilization, and a smooth commencement of commercial operations for the financed unit.

(B) Setting up a Commercial Unit

Strategic Project Finance for Hospitality, Healthcare & Education Sector

At D Wealth Services, we provide specialized debt advisory for high-impact commercial projects. We understand that sectors like Healthcare, Education, and Hospitality require unique capital structures due to high upfront costs and extended gestation periods.

Hospitality: Resorts, Hotels, and Premium Restaurants.
Education: Schools, Colleges, and Universities.
Healthcare: Multi-specialty Hospitals and Diagnostic Clinics.

Our Specialized Funding Solutions for New Establishments

We structure customized debt for every stage of your project lifecycle through established banking channels. A complete funding solutions to build from the ground up, covering:

Land Acquisition: Strategic debt for site purchase.
Construction Finance: Funding for civil work and structural development.
Machinery & Equipment – Funding for plant, machinery, and technology.
Miscellaneous CapEx – Ensuring your project is fully covered by arranging finance for essential assets like furniture, fixtures, security systems, and other pre-operative costs.
Working Capital (OpEx) – Assessing requirements and securing credit facilities for day-to-day operating expenses.

Where funding is arranged for a new commercial project—particularly under a newly incorporated company—the transaction requires careful structuring, tight control on timelines, and close monitoring of execution. In our experience, many commercial projects across key markets face delays, cost overruns, or become stressed even before they begin generating revenue, largely due to gaps in planning, approvals, cash-flow forecasting, and project management.

This is where D Wealth Services (a Delhi Wealth Group company) adds value. Our team comprises seasoned ex-bankers and project finance professionals with over 25 years of experience. We support clients with end-to-end guidance to ensure timely approvals, disciplined fund utilization, efficient project execution, and a smooth transition to revenue-generating operations.

(C) Project Financing for Builder and Developers

Financing for Independent Floor Construction & Group Housing Projects

Project Finance Consultancy for Independent Floor Construction:

Project finance for Independent Floor Construction facilitates funding for low-rise residential construction projects, providing essential capital to execute the project smoothly and on time. Whether it is a single independent floor, multiple floors in a plotted development, or a builder floor project, developers and builders can access tailored financing solutions to support various aspects of the project, including land-related costs (where applicable), approvals, development, and construction expenses.

Financing for Group Housing Projects:

Project finance for Group Housing Projects facilitates funding for large-scale residential developments, providing essential capital for construction and delivery. Group housing projects involve multiple blocks/towers, common amenities, and phased execution—each phase requiring significant upfront capital. Builders and developers can access tailored financing solutions to support key components of the project, including land acquisition (where applicable), development and statutory approvals, construction costs, and ongoing working capital needs.

Where D Wealth Services adds value:
D Wealth Services (a Delhi Wealth Group company) works closely with builders and developers to understand the project vision, cash-flow cycle, and funding gaps. We assist in preparing lender-ready project notes, cost-to-complete assessments, and stage-wise funding requirements, and coordinate with banks/financial institutions for sanction and disbursement alignment. We also help structure suitable repayment terms so that cash flows remain manageable as the project progresses and revenue realization stabilizes.

As a Corporate Finance Consultant, we understand the complexities of bringing construction projects to life—whether it is an independent floor project where costs move stage-wise and timelines are critical, or a large group housing development involving multiple towers and amenities that demands substantial upfront funding and disciplined cash-flow planning. This is where project finance comes in.

D Wealth Services Private Limited Consultancy for Builder Project Funding

2. BROWNFIELD PROJECT FINANCE CONSULTANCY

Improvement or Renovation, Expansion & Modernization or Upgrades

Brownfield Projects refer to scaling or strengthening existing operations under the same entity, brand, and company, by expanding or upgrading an already running business rather than starting from scratch. These projects typically focus on improving performance, increasing output, and enhancing efficiency while leveraging the existing infrastructure, market presence, and operating cash flows.

Brownfield expansion may include setting up a new unit/plant at another location, undertaking improvement or renovation of existing facilities, adding a new production line, modernizing technology and processes, expanding capacity to meet rising demand, and undertaking asset upgrades such as machinery replacement, energy-efficiency improvements, automation, and compliance-related enhancements. In short, brownfield projects enable businesses to grow faster and more predictably by building on an operational base, while ensuring continuity of operations and better utilization of existing resources.

Funding for Business Expansion under Brownfield Project

Expand or upgrade a business under the same company & brand

Key purposes under Brownfield Project Financing

Setting up a new unit: Funding to set up an additional unit/branch/plant/warehouse under the same company to increase reach or capacity. This may include land/lease (as permitted), building, plant & machinery, utilities, and commissioning expenses.
Improvement or renovation: Funding for repairs, refurbishment, civil work, layout changes, safety upgrades, compliance improvements, and facility enhancements that improve productivity and reduce operational issues.
Adding a new production line: Funding to introduce a new line within the existing facility to manufacture a new product or increase output. This typically includes machinery, molds/dies, tooling, installation, testing, and related power/utility upgrades.
Modernization: Funding for technology and process upgrades such as automation, ERP/IT systems, new technology machines, energy-efficient systems, and process improvements to reduce cost per unit and improve quality.
Capacity expansion: Funding for increasing production capacity by expanding shed space, adding machines, upgrading power load, utilities, and increasing manpower/throughput capability—without changing the core business identity.
Asset upgrades: Funding for replacing old machinery, upgrading fleets/vehicles, material handling systems, lab/testing equipment, HVAC/boilers/compressors, etc., to improve reliability and reduce breakdowns.

D Wealth Services (a Delhi Wealth Group company) adds value because we structure and present brownfield projects with a “project finance mindset”—similar to start-up and greenfield funding—where the main focus is on future cash-flow generation, execution plan, and viability. Many lenders and typical loan agents fail to position brownfield expansion correctly, which leads to under-assessment of the opportunity, delayed sanctions, or wrong product selection. Many lenders usually help for CAPEX with term loan but OPEX usually left behind.

3. WORKING CAPITAL FINANCE CONSULTANCY

Business' Performance Backed Working Capital Financing

Working Capital is the day-to-day money a business needs to run its regular operations smoothly. It is the funds used to manage the operating cycle—buying raw material/stock, paying salaries and overheads, meeting routine expenses, and sustaining the gap until sales are realized and customer payments are received.

Working Capital Financing is the debt funding arranged to support this operating cycle and maintain regular liquidity. It is usually linked to the business topline/turnover and assessed along with key balance sheet ratios, which is why it is commonly referred to as business performance backed financing. In most cases, lenders sanction working capital limits primarily on the basis of past financials and existing business performance; in select and special cases, working capital can also be structured for future growth or upcoming projects, but the primary reference generally remains historical performance and demonstrated cash-flow behavior.

A. Fund-Based Working Capital Facilities

1. Cash Credit (C.C.) Limit

As a Corporate Finance Consultant, we understand that running a business can be unpredictable—some months bring strong sales and bulk orders, while other periods may have slower collections and tighter liquidity. This is where a Cash Credit Limit (CC Limit) comes in. Think of it as a pre-approved line of credit from your bank that acts like a financial lifeline for day-to-day working capital needs.

Think of it like this:
A CC Limit is like a flexible loan facility that you can dip into whenever you need funds, and repay as collections come in.

Here’s how a CC Limit works:

The bank sanctions a specific credit limit (for example, ₹5 lakh).
You can withdraw funds as per your requirement, up to the sanctioned/drawing power limit.
You pay interest only on the amount you actually utilize (withdraw/overdraw), not on the full limit.
This means you save interest on the unused portion of the limit.

Benefits of a Cash Credit Limit:

Manage cash flow fluctuations: Helps cover temporary shortfalls without taking a fresh loan every time.
Pay interest only on what you use: Interest applies only on the utilized amount, which reduces overall interest burden.
Improved flexibility: Useful for stock purchase, vendor payments, salaries, and unexpected routine expenses.
Revolving facility: As you deposit sales collections, the limit gets freed and can be used again.

Important points to remember:

Banks generally charge processing, renewal, and limit maintenance charges.
CC limits are usually reviewed/renewed periodically as per bank norms.
Exceeding the sanctioned limit/drawing power can attract penal interest and may impact your credit profile.

2. Overdraft (O.D.) Limit

An overdraft allows small businesses to continue withdrawing money even if the account has no funds in it. Small businesses are those that do not maintain their books of accounts as per Bank's requirement and are somewhat incapable of providing monthly or quarterly stock statements to prove the drawing power. It is provided against the security of assets such as land, buildings, shares, debentures, etc.

Overdraft Limit: A Helping Hand for Your Growing Business

As a financial consultant, we know running a small business can be exciting, but cash flow can sometimes be a rollercoaster. An overdraft limit from your bank can be a helpful safety net in these situations.

Here's the key difference from a regular loan:

With an overdraft, you're borrowing a small, pre-approved amount from your bank.
You only pay interest on the amount you actually use, not the entire limit.

Benefits of an Overdraft Limit for Small Businesses:

Peace of Mind: Handle unexpected expenses or temporary dips in cash flow without major disruptions.
Improved Flexibility: Meet short-term needs without lengthy loan application processes.
Focus on Growth: Concentrate on running your business instead of worrying about bouncing checks.

Overdraft limits are a good option for small businesses that:

Don't have extensive financial statements readily available.
Need a flexible source of funding for short-term needs.

3. Bill Discounting

Bill discounting is a source of working capital finance for the seller of goods on credit. It is an arrangement whereby the seller recovers an amount of the sales bill from the financial intermediaries before it is due.

As a financial consultant, we know managing cash flow can be a challenge for businesses, especially when you offer credit terms to your customers. You make a sale, but the payment might not come in for weeks or even months. This is where bill discounting comes in. It's a way to unlock the cash tied up in your unpaid invoices and get immediate access to working capital.

Bill discounting works like this:

You approach a bank or financial institution with your unpaid invoice (bill) for the clothes sale.
They agree to purchase the invoice at a discounted rate.
This means you receive a portion of the invoice value upfront, minus a small discount fee.
The bank then collects the full payment from your customer when it's due.

Benefits of Bill Discounting:

Improved Cash Flow: Get immediate access to cash tied up in unpaid invoices, allowing you to meet your own business expenses.
Enhanced Flexibility: Manage short-term cash flow fluctuations without having to wait for customer payments.
Focus on Growth: Concentrate on expanding your business and sales without cash flow worries.

Bill discounting can be a valuable tool for businesses of all sizes, especially those that offer credit terms to their customers. It helps you improve cash flow, maintain business operations smoothly, and focus on growth opportunities.

B. Non Fund-Based Working Capital Facilities

Bank Guarantee, Delhi Wealth Group, D Wealth Services, Manoj Baraar

1. Bank Guarantee (B.G.)

Building Trust, Building Business: Understanding Bank Guarantees

A Bank Guarantee in working capital financing is a risk management tool issued by a bank that assures a supplier or another party that they will be paid if your company defaults on its payment obligations. This can help your business secure better deals, access essential supplies, and free up cash flow for other purposes. It's not a direct source of working capital, but it can indirectly improve your working capital position. BGs are generally issued to government departments or infra projects.

A Bank Guarantee acts as a safety net for both parties:

For You (the Buyer): You can secure better deals from suppliers by offering a BG. This allows you to negotiate extended payment terms or access essential supplies even if you don't have all the cash upfront.
For the Supplier (the Seller): The bank essentially guarantees that they'll receive payment if you fail to meet your obligations. This reduces their risk and makes them more comfortable offering credit or flexible payment terms.

While Bank Guarantees are commonly used for government contracts and infrastructure projects, they can be beneficial for businesses of all sizes. They can help you build trust with suppliers, improve your cash flow management, and access better deals in the marketplace.

As a financial consultant, we understand the importance of building trust with suppliers and partners. Especially when dealing with large transactions, some suppliers might hesitate to offer credit or flexible payment terms. This is where a Bank Guarantee (BG) comes in.

2. Letter of Credit (L.C.)/ Buyer's Credit (B.C.)

Importing Made Easier: Buyer's Credit for Your Business

Imagine you're a business owner in India who wants to buy a giant machine from a company in China. That machine might cost a lot, and you might not have all the cash upfront to pay for it. In this situation, a buyer's credit can be a lifesaver.

Buyer's credit acts as a bridge between you (the importer) and the foreign seller (the exporter). Here's how it works:

Your Indian bank provides you with a loan to cover the cost of the imported machine.
You use the loan to pay the Chinese manufacturer in full upfront.
You then repay the loan to your Indian bank with interest over a set period.

Important Points to Remember:

Buyer's credit is a loan, so you'll need to qualify based on your creditworthiness.
There will be interest charges associated with the loan.
You'll need to carefully consider the repayment terms and ensure they align with your business cash flow.

Buyer's credit is a valuable tool for businesses of all sizes looking to import equipment or materials. It allows you to access essential resources from abroad without straining your working capital.

As a financial consultant, we understand the challenges of growing your business internationally. Importing equipment or raw materials from abroad can be exciting, but the upfront costs can be daunting. This is where buyer's credit comes in.

Packing Credit (P.C.) Limit, BC, Delhi Wealth Group, D Wealth Services, Baraar

3. Packing Credit (P.C.) Limit

Financing Your Export Journey: Pre and Post Shipment Solutions with Packing Credit

Advance granted to an exporter for financing the purchase, processing, manufacturing, or packing of goods prior to shipment. Packing credit is sanctioned/granted on the basis of the letter of credit or a confirmed and irrevocable order for the export of goods from India.

As a financial consultant, we understand the exciting challenges of expanding your business into the export market. You land a fantastic deal to export your furniture (chairs) to the USA! But before the celebration, you realize you need upfront capital to:

Purchase raw materials (wood, fabric)
Pay for labor costs (carpenters, assemblers)
Cover packaging and shipping expenses

This is where Packing Credit (PC) from your bank comes in. It's a special financing solution designed to support exporters like you at every stage of the export journey.

Think of Packing Credit as a two-part financial boost:
1. Pre-shipment Credit:

This is like an initial fuel injection for your export order.
It provides you with the funds you need upfront to:
- Buy raw materials
- Pay for labor
- Cover production costs
- Get packaging materials
2. Post-shipment Credit:

Once your furniture is manufactured, packed, and shipped, you might have a waiting period to receive payment from your overseas customer.
Post-shipment credit bridges this gap by providing you with temporary funding until you receive the export proceeds.

Packing Credit is a valuable tool for businesses of all sizes looking to expand their export horizons. It provides the financial support you need to fulfill export orders, manage cash flow effectively, and achieve your international business goals.

4. MACHINERY & EQUIPMENT FINANCING

Industrial Machinery, Construction Equipment etc.

Industrial Machinery

To remain competitive, every manufacturing unit must embrace cutting-edge technology. Whether it's expansion, modernization of existing plants, or undertaking new projects, we offer comprehensive solutions to fuel your business growth. Access easy machinery finance options and expert consultation from D Wealth Services to ensure your business stays ahead of the curve.

Construction Equipment

This loan covers a wide array of construction equipment, such as Backhoe Loaders, Excavators, Tipper/Dumpers, Transit Mixers, Wheel Loaders, Compactors, Road Rollers, Pavers, Dozers, Graders, Compressors, Drills, Hot Mix Plants, Crushing Plants, RMC Plants, Rock Breakers, WMM Plants, DG Sets, Forklifts, Reach Stackers, Piling Rigs, and more.

Features of Construction Equipment Finance:

Enjoy up to 100%* financing.
Benefit from attractive interest rates*.
Extend your loan tenure for up to 60* months.
Experience reduced down payments.
Tailor your repayment plan to suit your business needs

Medical Equipment

The selection of medical equipment eligible for financing includes MRI Machines, CT Scanners, X-ray Machines, Ultrasound Machines, Dialysis Machines, Defibrillators, Ventilators, ECG Machines, Surgical Tables, Anesthesia Machines, Patient Monitors, Laboratory Equipment, Dental Chairs, Endoscopy Equipment, Ophthalmic Instruments, Infusion Pumps, Incubators, Wheelchairs, Mobility Aids, and more.

Construction Equipment, Industrial Machinery, Medical Equipment Financing

Add-On Services

Revive Your Business

Every industry has a different cash flow cycle. As a consultant, we don't believe in "one size fits all." We analyze your specific business needs to structure debt that aligns with your revenue patterns, ensuring you have the right funds at the right cost.

At D Wealth Services, we specialize in providing bespoke Debt Funding Consultation for Corporates, Industries, and Commercial establishments, including the Service Sector. We bridge the gap between businesses and premium Banking Channels by delivering highly customized funding solutions tailored to each client's unique financial architecture.

Collateral-Free Funding

D Wealth Services facilitates unsecured debt funding up to 10.00 Crores for businesses with strong performance track records. By linking funding to your achieved topline, we help you secure customized CAPEX and OPEX solutions across all major sectors. No collateral, just performance-driven growth facilitated through professional banking channels.

Broad Eligibility: Available for Manufacturing, Trading, and Service industries.
Versatile Use: Tailored for both long-term CAPEX and operational OPEX.
Customized Approach: Funding limits are strategically aligned with your achieved turnover.