Shekhar Financewala

How We Funded a ₹17 Cr for Growth

A ₹20 Cr revenue company came to us with a simple requirement:

“We need ₹9 Cr more to expand our capacity.”

Sounds straightforward. It wasn't.

They already had around ₹6 Cr of Working Capital + Term Loan with their existing banker.

They approached the same banker for additional funding.

The answer?

“Based on your current books, we cannot fund beyond ₹6 Cr.”

The promoters had started exploring equity funding—which meant diluting ownership in their own company just to finance growth.

The challenge

The company had limited additional collateral.

They had property worth around ₹10 Cr, but it was already mortgaged against the existing Working Capital facility.

So a conventional approach had a problem:

Balance Sheet → Limited debt capacity
Collateral → Already leveraged

But the business itself had a growth opportunity.

What did we do?

We stopped asking:

“Who will give them ₹9 Cr?”

And started asking:

“Can we structure the ₹9 Cr requirement differently?”

We divided the funding into two parts:

1️⃣ Balance-sheet-based funding
Funding based on the strength of the business, without relying entirely on additional collateral.

2️⃣ Property-backed funding
A separate structure combining the available property security with the company's financial strength.

The result?

They were initially looking for ₹15 Cr of total funding.

We ultimately funded ₹17 Cr.

₹2 Cr more than what they were looking for.

The lesson?

A banker saying “We cannot fund you further” does not necessarily mean:

“Your business cannot be funded.”

Sometimes, the problem is not the business.

It's the structure of the funding.

If you are a business owner planning expansion and traditional banking is limiting your growth, don't immediately think about diluting equity.

First ask:

“Is there a better way to structure the funding?”

Have you ever faced a situation where your business was growing, but funding became the bottleneck?

Share your experience in the comments.

22 hours ago | [YT] | 0

Shekhar Financewala

From a small village in Madhya Pradesh to becoming a practicing Chartered Accountant, CA Anand Jain’s journey is a story of perseverance, learning, and growth.

In this episode, we explore the realities of the real estate industry—from RERA, taxation, legal compliance, and financial planning to book building, investments, team building, and business growth. We also discuss the difference between legal and illegal real estate practices and the importance of building a business that is compliant, scalable, and sustainable.

Join us to know the mindset, strategies, and practical insights that can help you build a stronger, more compliant, scalable, and successful real estate business.

(Real Estate, RERA, Taxation, Legal Compliance, Financial Planning, Book Building, Business Growth, Builders, Developers, Real Estate Investment, Chartered Accountant, Entrepreneurship, Wealth Creation)

6 days ago | [YT] | 1

Shekhar Financewala

How We Funded an 80% Under-Construction Dream House 🏠

Sometimes, the biggest financial problem isn't lack of money.

It is money being stuck in the wrong place.

One of our customers from Sendhwa was building his dream house.

He had already invested heavily in the property and construction was around 80% complete.

Initially, he had taken a ₹60 Lakh loan.

But as construction progressed, he realised something frightening:

The house would require nearly ₹3.5 Cr in total to complete.

His savings were already locked into plots and property.

So he started taking money from his business to fund the house.

And slowly, both started suffering.

The business had a tight cash position.

The house was still incomplete.

And the family stress was increasing.

The challenge

Most lenders don't look at an 80% completed house the way the owner does.

For many lenders, an under-construction property is still treated largely as a plot, with very limited value assigned to the construction.

And because the customer was diverting business cash towards construction, he was spending 5–10 days every month simply arranging money for the house.

His business was losing focus.

We changed the question.

Instead of asking:

“How do we get him a cheap home loan?”

We asked:

“How do we get the house completed and restore the business cash flow?”

I sat with him and ran the numbers.

We even considered the cost of borrowing at around 3% higher than his expected home-loan rate.

The numbers were clear.

Continuing without funding was actually becoming more expensive.

So we created a 2-step strategy:

Step 1: Take relatively expensive money for a short period, complete the house and stop diverting business cash.

Step 2: Once the house was completed, refinance it into a lower-cost long-term loan.

The outcome

We ultimately funded ₹3.35 Cr.

The house was completed.

The money being pulled from the business went back into the business.

The construction stress stopped.

And most importantly, the customer got his financial life back under control.

The lesson for me:

The cheapest loan is not always the cheapest solution.

Sometimes, paying a little more today can prevent a much bigger financial problem tomorrow.

Good financial advice isn't always about finding the lowest ROI.

Sometimes, it's about finding the right sequence of money.

What would you choose—cheaper money that keeps you stuck, or slightly expensive money that solves the problem and gets you back on track?

I'd love to hear your perspective. 👇

1 week ago | [YT] | 1

Shekhar Financewala

In this episode, we sit down with Shawez shaikh to explore his journey from BPOs, HR and Sales to becoming an entrepreneur. He shares valuable insights on business growth, fundraising, sales psychology, marketing, networking, AI and building strong systems for scaling a business.

The conversation also highlights the importance of execution, customer relationships and understanding people when building a successful business. From managing working capital to adapting to the changing business landscape, Shahwaz shares practical lessons from his entrepreneurial journey.

Join us to know more about entrepreneurship, business strategy, customer relationships, personal branding and practical lessons for growing your business.

(Entrepreneurship, Business Growth, Fundraising, Sales, Marketing, Personal Branding, Networking, AI, Business Strategy, Startup, MSME, Business Scaling, Business Podcast)

1 week ago | [YT] | 1

Shekhar Financewala

How We Funded a Partner Exit When the Company Couldn’t Borrow

Sometimes the problem isn't funding.
It's who can legally borrow the money.

One of our customers, Piyush, wanted to exit his existing partner from a partnership firm.

The settlement amount was around ₹2.5 Cr.

Piyush had only ₹50 Lakh available.

His existing bankers were willing to fund the business—but there was one major problem:

The loan had to be taken in the company's name.

And the existing partner clearly said:

“I won't sign the loan documents.”

So the obvious funding route was blocked.

The Challenge

The business was financially capable of taking the funding.

But legally and structurally, the company couldn't borrow without the partner's participation.

So instead of asking:

“Which bank will give the company ₹2 Cr?”

We asked a different question:

“If the company cannot borrow today, can the promoter borrow first—and then move the funding into the company once the partner exits?”

That changed everything.

The Solution

We created a two-step funding structure.

Step 1 — Fund the individual

We funded ₹2 Cr in Piyush's individual name.

He used this to complete the partner exit.

The partner exited and the ownership structure was resolved.

Step 2 — Fund the company

Once the partner was out, the company could independently raise funds.

We then funded ₹2 Cr in the company and closed the individual facility.

The Outcome

The transaction was successfully completed.

Piyush ultimately got access to around ₹5 Cr of total funding capacity:

• ₹3 Cr without collateral, based on the business/financial strength
• Additional ₹2 Cr available when required

The biggest lesson?

Don't confuse a funding problem with a structuring problem.

Sometimes the bank says:

“We can't fund the company.”

The right question may be:

“What has to happen first for the company to become fundable?”

Good financing isn't just about finding money.

It's about finding the right route for the money to move.

Have you ever seen a business transaction get stuck because of the structure, even when the business itself was financially strong?

Share your experience below.

2 weeks ago | [YT] | 3

Shekhar Financewala

A glimpse of an insightful event filled with learning, innovation, and collaboration 🚀

Attended an engaging session where industry insights, AI applications, and digital transformation were the key highlights. The event included discussions on the practical use of AI in everyday work, real-world case studies, and ways to leverage technology for better productivity and smarter solutions. The session also featured meaningful conversations around the Data Masters platform, its vision, capabilities, and the role of technology in building efficient and impactful solutions.

With interactive discussions, knowledge sharing, and collaborative ideas, the event was a great experience of learning, connecting, and exploring the future of AI-driven innovation.

(AI event, Data Masters platform, AI training, digital transformation, innovation, collaboration, productivity, case studies, technology, Shekhar Financewala)

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1 month ago | [YT] | 4

Shekhar Financewala

In this episode, we discuss with Anil Kabir Kumar the real side of business that most people ignore — the hidden cost of time, delayed decisions, and wrong strategies. What looks like saving money today can actually turn into massive revenue loss tomorrow if your systems and tech aren’t aligned for growth.

We also discussed into the mindset shift from traditional MSMEs to modern businesses, the B2B to B2C transition, and why strategy is not about doing everything but about doing what truly matters. Because at the end of the day, business isn’t a short-term win… it’s an infinite game of consistency, clarity, and smart execution.

Join us to understand what it really takes to build, scale, and sustain a business.

(Business Strategy, Startup Mindset, MSME Growth, Tech in Business, Scaling Systems, B2B to B2C, Entrepreneurship, Founder Insights, Shekhar Financewala)

3 months ago | [YT] | 3

Shekhar Financewala

In this episode, we discussed with Amber Arondekar to talk about one of the most common challenges faced by MSME owners — finding people is easy, but making them stay is not. We discuss why this happens and how most businesses approach hiring the wrong way. The conversation dives into a powerful shift in mindset instead of trying to buy ready-made employees, focus on building and developing the right people. Because in the long run, a strong and well-trained team becomes your biggest asset, not a cost.

Join us to understand how to create a team that grows with your business.

(Team Building, MSME, Hiring Strategy, Employee Retention, Leadership, Business Growth, Entrepreneurship, Startup Mindset, Team Management)

3 months ago | [YT] | 1

Shekhar Financewala

In this episode, we sit down with Dr. Sanjeev Tripathi to understand the hidden psychological challenges inside business families. From constant stress, control issues, and generational gaps to anxiety, emotional disconnect, and communication breakdown — we explore why sometimes the whole family feels disturbed, even when the real issue may lie deeper within the system.


We also talk about the difference between argument and discussion, how “fight or flight” responses affect relationships, and simple frameworks families can use to bring clarity, balance, and better communication.

If you’re a business owner or part of a business family, this conversation will make you reflect on what’s really going on beneath the surface.


(business family problems, entrepreneur mental health, family communication issues, anxiety in business owners, generational gap, discussion, emotional intelligence in business, stress management entrepreneurs, parenting challenges modern times, social anxiety in children, business mindset psychology, relationship gaps in families, mental health awareness India)

3 months ago | [YT] | 2

Shekhar Financewala

In this episode, we discuss with Sandeep Gupta — his journey from corporate to entrepreneurship and building ₹200+ Cr AUM, along with powerful insights on real estate, AIFs, and modern investing. We also discuss the real problem of informal investing in India where money is often lent within known circles without proper structure and how new-age financial tools are creating safer, more transparent opportunities beyond traditional networks. We explore how structured finance is replacing informal systems and why Tier 2 & Tier 3 cities are emerging as the next big growth hubs for investors and businesses alike.


Join us to learn how to invest smarter, understand Debt vs Equity, and discover new-age opportunities to build long-term wealth with confidence.


(real estate investment India, AIF explained, Sandeep Gupta podcast, debt vs equity, MSME funding, tier 2 tier 3 opportunities, wealth creation, investment strategies, Shekhar Financewala)

3 months ago | [YT] | 3