Our Approach

(1). Initial contact established based on NioCapital core principles.
(2). Record created in internal database.
(3). Process taken forward only when there is a match with NioCapital core principles.
(4). Expectations set on terms.
(5). Preliminary info requested on email.
(6). Progression to next step once sufficient info received (Day 1).

(1). Analysis of business model, operational, compliance and financials information for at least last 2 years.
(2). Call with entrepreneur / CFO to clarify queries.
(3). Preparation of / submission of internal pre Investment Committee note and RevX Risk Rating score.

(1). Discussion with Director/Partner scheduled immediately after submission of note.
(2). Director/Partner approval.
(3). Term sheet issued to the client.

(1). Discussions on Term Sheet. Queries on Term Sheet clarified, if any.
(2). Discussions on pricing + structure.
(3). Draft Term Sheet either signed or dropped/cold.

(1). Deposit of processing fee.
(2). Documentation process commenced with the help of Legal team.
(3). Due Diligence-2 process commenced.

(1). Bank statements of last 24 months, and Credit Bureau reports requested & examined.
(2). Additional Information requested, if needed.
(3). Meeting with Niocapital team and entrepreneurs / CFO (mandatory).
(4). Bank Statement analysis, GST analysis and MCA analysis.
(5). Investment Committee note submitted.

(1). Notice to Investment Committee; Standard slots blocked every week.
(2). Unanimous decision.
(3). Quorum: 3 Investment Committee members.

(1). Debenture Trust Deed.
(2). Deed of Hypothecation.
(3). Debenture Trustee Appointment.
(4). Filing of charges.
(5). Other relevant documentation.

No - We provide debt, not equity, at a cost much lower than that of equity. Equity capital expects 8-10x returns over 5-6 years.

We do not encourage or force unsustainable growth metrics.

We do not require a board seat.

Our decisions are faster – our process typically takes 1-4 weeks.

No requirement for a difficult and lengthy valuation process.

No equity warrants taken.

No requirement of prior VC investment.

Hard assets or other personal guarantees not always necessary as a collateral.

Our evaluation is a function of multiple factors such as profitability, growth, management team, cash projections etc.

Absence of fixed assets does not preclude us from investing in you.

Our growth capital serves as a supplement to other types of funding rather than a replacement.

Our firm expects that earlystage businesses can utilize our investment to prepare themselves for a suitable and advantageous equity investment in the future, without being excessively diluted.

We are open to working with co-investors of any kind and can even introduce you to potential partners depending on your funding requirements.

Prepayment is a rare occurrence for us.

But we may consider it on a case-by-case basis in exceptional circumstances as outlined in our agreement.

We want you to think of us as your partners throughout your growth journey.

We will always be open to discussing a new round of funding.