Alternate Funding & Private Credit Solutions for MSMEs
WCMS delivers specialized alternate funding solutions for Indian MSMEs and growing enterprises, helping business leaders access flexible capital beyond traditional banking boundaries.
1. Revenue-Based Financing (RBF)
Revenue-based financing offers flexible capital where monthly repayments adjust dynamically according to your operational revenues. Ideal for businesses with consistent cash flows, high gross margins, and minimal fixed asset collateral.
This model allows founders to fund marketing, inventory, or technology upgrades without selling equity shares or taking on rigid fixed debt service obligations.
2. Structured Debt & Mezzanine Capital
For mature MSMEs undertaking expansion, acquisitions, or major order fulfillments, structured debt provides customized repayment schedules, grace periods, and hybrid return structures aligned with project cash generation.
We work with private credit funds, NBFCs, and alternative credit allocators to design debt solutions that standard commercial banks are unable to provide.
3. Working Capital & Trade Credit Solutions
Manage seasonal working capital pinches, supply chain financing, and invoice discounting efficiently. Our trade credit advisory enables firms to unlock cash tied up in unpaid receivables and purchase orders.
Our Workflow for Alternate Funding Solutions in India
- Financial Diagnostics: In-depth assessment of revenue patterns, debt service capability, and credit readiness.
- Structuring & Matchmaking: Selecting suitable non-bank capital instruments and presenting credit files to institutional allocators.
- Execution & Monitoring: Full support during documentation, disbursement, and ongoing capital management.
About WCMS Investment Solutions
WCMS Investment Solutions Pvt. Ltd. is a specialized capital advisory firm headquartered in Nungambakkam, Chennai, Tamil Nadu. We empower growth-stage Micro, Small, and Medium Enterprises (MSMEs) and corporate promoters across India with non-banking financial options, revenue-based financing, structured credit instruments, and strategic wealth management solutions.
Traditional bank financing often imposes rigid collateral requirements, debt-to-equity ceilings, and lengthy approval processes. WCMS bridges this gap by evaluating real-world business cash flows, gross operating margins, and forward-looking growth metrics to structure customized private credit packages.
For high-net-worth individual investors, family offices, and corporate credit allocators, WCMS provides transparent, risk-managed access to pre-vetted MSME debt products backed by cash flows, asset security, and institutional governance standards.
Frequently Asked Questions (FAQ)
What is alternate funding for MSMEs?
Alternate funding encompasses non-banking financial instruments outside conventional commercial bank loans. These include revenue-based financing, structured private debt, invoice discounting, equipment lease funding, and trade credit lines designed to match business cash flow cycles.
How long does the WCMS capital advisory process take?
Initial financial readiness diagnostics and preliminary credit structuring are completed within 3 to 5 business days. Final credit matching and disbursement timelines depend on transaction complexity and documentation readiness.
What criteria do institutional allocators evaluate?
Allocators look at cash flow consistency, gross profit margins, historical bank statement health, customer concentration, and management governance rather than relying solely on fixed asset collateral valuation.