Alternate Funding Solutions for MSMEs and SMEs Beyond Banks

1. WCMS Business EASY — Alternate Funding Facilitation

Connecting growth-stage MSMEs with structured alternate funding solutions beyond traditional banking channels.

• Debt, equity, and structured hybrid private credit access
• Syndication with Family Offices, AIFs, VCs, and Private Credit funds
• Deal structuring tailored around actual business cash-flow velocity

2. WCMS Alternate Asset — Investor & Distribution Platform

Connecting verified corporate credit mandates with institutional allocators and high-net-worth investors through a transparent discovery ecosystem.

3. WCMS Wealth Coach — Financial Knowledge & Communities

Empowering promoters with financial literacy, capital structure strategy masterclasses, and executive conferences like FSBB 2026.

WCMS Business EASY

Connecting growth-stage MSMEs & SMEs with curated alternate funding solutions and strategic capital partners. The process, evaluation and support below are for WCMS Business EASY.

Our 5-Stage Evaluation Process

Assessing the Right Fit

Our five-stage evaluation process helps us assess whether your proposal is the right fit. There is no fee for the evaluation.

1. Initial Interaction & Requirement Assessment: Understand the business, promoter, requirement and purpose of funding.
2. Basic Information Validation: Evaluate preliminary financial and business fundamentals.
3. Management Interaction: Understand the promoter, growth opportunity and funding strategy.
4. Field Underwriting: Validate the business beyond presentations and financial statements.
5. Document Collection & Validation: Establish readiness for the funding process.

Upon successful evaluation and acceptance of the proposal, we proceed with mandate signing. A sign-up fee is payable at this stage and will be adjusted against the final success fee. Any refund is subject to the terms and conditions of the signed mandate.

What Happens After Mandate Signing?

Guided Support from Preparation to Completion

1. Document Review and Gap Support: We review your business and financial documents, identify gaps, and support you in addressing them.
2. Ask Validation and Funding Strategy: We assess your funding requirement, use of funds, and supporting assumptions to help align your investment ask, valuation expectations, and funding approach.
3. Presentation Materials: We review your pitch deck, investor memorandum, and teaser. Support with preparing these materials is available at an additional, mutually agreed cost.
4. Transaction Structuring: We help develop the proposed investment structure, including the funding instrument, key commercial terms, and ownership implications, with professional input where required.
5. Investor Matching: We identify potential investors aligned with your proposal and facilitate introductions, subject to investor interest.
6. Investor Discussions and Handholding: We guide you through investor meetings and support you in responding to queries and coordinating due diligence requirements.
7. Term Sheet and Negotiation Support: We assist with discussions and negotiations on valuation, commercial terms, and the proposed term sheet.
8. Documentation and Closing Support: We coordinate with you, investors, and relevant advisers to support final documentation, completion requirements, and fund disbursement.
9. Success Fee Settlement: The success fee is payable at the milestone specified in the mandate, with the sign-up fee adjusted against it.

External Professional Support

Where required, external legal, tax, regulatory, or other professional support will be obtained from suitably qualified professionals at an additional cost, subject to your prior approval.

All services, confidentiality arrangements, fees, and refund eligibility are governed by the signed mandate. Investor participation, timelines, and transaction completion are not guaranteed.

Our Commitment to You

We commit to clear communication, regular progress updates, transparent costs, and hands-on support throughout the scope agreed in your mandate.

While we work towards a successful outcome, funding, timelines, valuation, and investor decisions cannot be guaranteed.

All services are subject to the signed mandate. External professional support, where required, involves an additional cost approved by you.

Frequently Asked Questions (FAQ)

How long will it take to receive funding after signing the mandate?

Once the mandate is signed, the funding process generally takes between 3 to 6 months. This timeline is indicative and subject to the applicable terms and conditions and completion of the required processes.

How can we be assured that WCMS will arrange the funding? What if we sign the mandate and funding doesn't happen?

Before proceeding with the mandate signing, your proposal undergoes our internal five-stage evaluation process. We carefully assess the project, evaluate its feasibility, and establish our internal confidence in the proposed funding structure and pricing. Only after completing this evaluation do we proceed with signing the mandate. WCMS does not assure a funding outcome, and the sign-up fee, its adjustment and refund conditions are governed by the signed Client Mandate Agreement.

What is alternate funding for MSMEs and how does it differ from a bank loan?

Alternate funding evaluates cash-flow velocity, customer order pipelines, and operating EBITDA rather than relying solely on fixed asset collateral.