Who is Parfin Capital and what do you do?−
Parfin Capital is an independent financial advisory firm based in Chennai. We operate two service lines for SME promoters across India. The first is Business Loan Advisory: we help promoters secure loans of ₹1 Crore to ₹20 Crore from banks and NBFCs, managing the full process from financial structuring to disbursement. The second is Commercial Finance Advisory: a monthly engagement covering management reporting, working capital management, profitability analysis, budgeting, and financial modelling. We serve a limited number of clients at any time so that every engagement receives the full attention of a senior finance professional. Both services are handled personally by Chandu Parvathareddy, CFA.
What is Commercial Finance Advisory and how is it different from loan advisory?+
Business loan advisory is a transaction. We help you raise capital from the right lender. Commercial Finance Advisory is an ongoing engagement: we work with you monthly on management reporting, profitability analysis, working capital, budgeting, and commercial decisions. The two services are independent. You can use either one, or both.
Do I need to stop using my CA if I engage Parfin Capital?+
No. Your CA handles statutory compliance, tax filing, and audit. That continues as normal. Parfin Capital provides a separate commercial finance function: profitability analysis, working capital management, financial planning, and capital raising. The two roles are different and do not overlap.
How is Parfin Capital different from a regular loan agent or DSA?+
A typical DSA collects your documents and submits them to a bank. We do considerably more — we assess your business the way a lender would, identify weaknesses before submission, restructure your financials and credit narrative, match you to the right lender, and manage the entire process through to disbursement.
Who actually handles my file?+
Chandu Parvathareddy handles your file personally — from the first conversation to the final disbursement. There are no junior staff, no new hires, and no handoffs. When you work with Parfin Capital, you work directly with an experienced CFA Charterholder throughout.
What loan amounts do you handle?+
We work on business loan transactions from ₹1 Crore to ₹20 Crore. This includes term loans, working capital facilities, machinery finance, project loans, and fund raising support.
Which lenders do you work with?+
We have working relationships with PSU banks, private sector banks, and leading NBFCs across India. We identify the most suitable lender for your specific credit profile and approach them on your behalf.
How long does the loan process take?+
A typical transaction from first conversation to disbursement takes 6 to 10 weeks, depending on the lender, the complexity of the transaction, and how quickly documentation can be assembled.
Do you charge a fee even if the loan is not sanctioned?+
Our advisory fee is success-based on loan disbursement. We will be transparent about our fee structure at the first meeting — no hidden charges, no surprises.
Can you help if my loan has already been rejected by a bank?+
Yes. A rejection from one lender does not mean the deal cannot be done. It often means it was presented to the wrong lender, or presented incorrectly. We review what happened, identify what needs to change, and approach the right lender with a properly structured application.
