Our Businesses
Helmed by industry veterans, BlackSoil is a pioneer in creating structured investment instruments to provide start-ups, high growth companies and developers with unique customized credit. We ensure focused solutions, operational flexibility, quick turnaround, and commitment to creating value.
- Alternative Credit
- Alternative Real Estate Debt
BlackSoil has domain expertise to provide flexible and customized debt products to rapidly growing companies at attractive yields. We create customized credit products which are industry-agnostic, quick turnaround time in executing deals, flexible deal structures, and repayment option as per convenience of the client.
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- Asset Backed Financing
- Venture Debt
- Structured Debt
- Small & Micro Business Loans
BlackSoil provides asset backed loans to companies with limited credit history to meet their working capital and growth needs for new economy businesses. We finance companies that do not have access to traditional capital or are looking to finance intangible assets.
- Business Expansion
- Accounts receivable facilities
- Facility expansion
- Inventory build-up
- Equipment finance
- Revolving credit
Meeting capital needs for high growth companies and companies without positive cash flows is expensive and comes at the cost of equity dilution. BlackSoil provides collateral free capital to companies backed by leading VC and PE firms to supplement equity finance while protecting equity dilution.
- Runway extension
- Revenue acceleration
- Bridge finance
- Asset Acquisition
BlackSoil provides established companies and their promoters with funds for needs traditionally not met by banks such as acquisition, capital structure, and growth finance. We also create customized structures to meet the cash flow and repayment needs of the business.
- Acquisition Finance
- Bridge finance
- Business Expansion
- Facility expansion
- Inventory build-up
- Equipment finance
- Mezzanine Loans
Growth companies have limited options for financing partners for their network of customers, suppliers, and partners. BlackSoil creates customized credit products to solve working capital, sales, and other issues for growth company’s business network.
- Consumer finance
- Working Capital Loans
- Customized business partner loan products
- Revolving credit
- Co-lending with Fintechs
The total urban housing shortage in India is estimated at ~1 Crore units currently. More than 40% of Indian population is expected to live in urban areas by 2030, creating a demand for ~2.5 Crores additional affordable units. To capitalize on the above growth in demand, BlackSoil in partnership with US-based Walton Street, has provided active support to local development partners focused on residential real estate projects in key Tier 1 cities, predominantly driven by end-user demand.
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- Project Finance
- Loan Against Property
BlackSoil has extensive experience in funding real estate projects in India aided by strong global financial partners. BlackSoil helps developers meet cash flow requirements at different stages of the development cycle by financing real estate projects. By analysing each project extensively, BlackSoil provides credit for developers that meet the need of the project’s micro-market.
- Construction Finance
- Project financial closure
- General corporate purpose
Developers can access to quick finance to meet short terms and long term needs by leveraging existing projects and units. BlackSoil leverages deep market know-how to provide best in class property value for credit.
- Loan against ready units / property
- General corporate purpose
advantages
Investment Process
Our sector agnostic cash-flow based underwriting models ensure that new-age companies and traditional businesses can be effectively underwritten.
Our Investment Committee comprises of industry veteran including management of sponsors and representatives of key investors. Each deal is approved by this committee before closure.
Our technology enabled due diligence process ensures a deep dive into the company and promoters.
Working with a team of external advisors, lawyers, and consultants structures the deal to ensure smooth repayment and borrower needs are met.
We have a developed monitoring framework that is used to ensure borrower health on multiple dimensions including repayment, covenants business model, reputation, and future fund raise.
Timely exit from the deal ensures that the portfolio churn is maintained and can be reinvested.
