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Most SME promoters are rejected not because their business is weak — but because their credit story is poorly told.
Banks and NBFCs receive hundreds of loan applications every month. The ones that get sanctioned are not always the strongest businesses. They are the best prepared ones. Parfin Capital exists to make sure your application is one of those.
Chandu holds the CFA charter and an MSc in Investment Management from Cass Business School, London — one of the world's leading finance schools. He also holds an engineering degree from India.
Before founding Parfin Capital, Chandu spent four years in commercial lending in the United Kingdom — working directly with banks, NBFCs, and investment banks on private credit. He understands how lenders think, what kills a deal before it reaches the credit committee, and how to package a credit story that stands up to scrutiny.
Alongside his lending work, Chandu also spent time on the commercial finance side. He was building the financial analysis that helped companies understand their cost structures, evaluate capital projects, and manage working capital before approaching a bank. That experience now underpins Parfin Capital's Commercial Finance Advisory practice: the same institutional-grade financial thinking applied directly to a promoter's profit and loss, pricing decisions, and cash flow management.
He returned to India to bring that institutional-grade thinking to the Indian SME credit market — a segment that has always needed it and never had easy access to it.
Most advisors sit on one side of the table. Parfin Capital has been on both. Years of institutional lending experience mean we understand exactly how a bank assesses a credit file. Years of commercial finance work mean we understand how a business actually operates day to day. That combination is what we bring to every engagement, whether the client needs capital or commercial finance management.
Whether we are structuring a ₹15 Crore term loan application or building a monthly management report for a manufacturing unit, the standard does not change. Every engagement is handled personally by Chandu. No junior staff, no outsourcing, no templates applied without thought. The same rigour that institutional lenders expect is what every client receives.
If a loan application will not work, we say so before the client spends three months finding out the hard way. If a business's pricing model is eroding margin, we show the numbers before recommending a fix. The value Parfin Capital delivers starts with honest analysis. Recommendations follow only after the picture is clear.
Parfin Capital's advice is never influenced by any bank, NBFC, lender, or external party. On the commercial finance side, the retainer is agreed directly with the client upfront. No product pushing, no arrangement with any financial institution that could colour the advice. Every recommendation Parfin Capital makes is in the interest of the business it is working for. That independence is not a feature. It is the foundation.
Whether you are looking for a business loan or want us to review your business finances, we start the same way. We look at what is actually there, not what you hope an advisor will overlook. That assessment tells us where you stand, what the right approach is, and what can realistically be achieved. No fee for the first conversation.
On the loan advisory side, we earn a fee on disbursement. On the commercial finance side, we work on a monthly retainer agreed upfront. In both cases, our only interest is in delivering an outcome that is right for the business.
Chandu handles every client engagement personally, from the first conversation to the final deliverable. There is no team of juniors processing your file, no account manager relaying your questions. When you engage Parfin Capital, you engage a CFA Charterholder with four years of institutional lending experience, working on your business directly.
Parfin Capital serves a deliberately limited number of clients at any given time. This is not a constraint. It is a choice. Every client who engages Parfin Capital receives the full attention of a senior finance professional, not a fraction of it. We do not chase new clients every month. We focus on doing exceptional work for the clients we have, growing alongside their businesses, and building relationships that last. Client retention is how we measure success, not the number of new mandates signed. If you are looking for an advisor who will still know your business inside out two years from now, that is how we work.