FYG Advisory

Another transaction successfully closed — ₹35 Crs of structured funding for a redevelopment project in South Mumbai.

The funding supports approvals and construction at an early stage, with a competitive ROI of 12.25%.

At FYG Advisory, we work with developers to structure the right funding solution based on the project’s stage and requirements.

If you know a developer with a project at an initial stage who is looking to raise funds at a competitive rate, we would be happy to connect.

[Real Estate Funding, Debt Syndication, Structured Finance, Construction Finance, Redevelopment, Real Estate Developers]

Success Story: Raising Construction Finance of ₹120 Crore

Delighted to share the successful closure of a ₹120 Crore debt syndication transaction for a project in Mumbai’s Western Suburbs.

The funding has been secured at the pre-RERA stage for Plinth CC, without any additional collateral, for a developer accessing institutional funding for the very first time. We are grateful to the developer for placing their trust in FYG Advisory, and equally thankful to our lending partner for working closely with us to structure a solution aligned with the project’s requirements.

This transaction involved detailed evaluation, coordination, and documentation, supported by the collective efforts of many working behind the scenes. A sincere thank you to our entire team and everyone who contributed.

We value the confidence and partnership of the lending institution and look forward to many more successful transactions together.

(Construction Finance, Debt Syndication, Real Estate Finance, Institutional Lending, Mumbai Real Estate, Western Suburbs, FYG Advisory)

Most first time borrowers struggle with this comparison:

“If I can get a mortgage loan easily at a lower rate by pledging my property, why should I opt for construction finance at a higher rate?”

At first glance, it feels logical.

But the confusion begins when both are treated as the same kind of loan.

A mortgage loan is linked to:

• An existing, completed property
• A known and current asset value
• Zero ex*****on risk
• Repayment that is not dependent on project performance

Because of this, the loan amount is typically restricted to the value of the property being mortgaged.

Construction finance works very differently.

Here, funding is structured around:

• A project that is yet to be built
• Construction progress and approvals
• Sales velocity and collections
• Future cash flows and receivables
• Market cycles during ex*****on

So the lender is not only looking at today’s collateral.

They are also evaluating what the project is expected to generate over time.

That is why these two products cannot be compared purely on interest rate.

It is not just that the rate is higher; the risk being priced is different.

And once this is understood, funding discussions become far more practical and far more productive.

If you know a first time borrower planning to raise funds for an upcoming project, feel free to connect them with us at FYG Advisory.

[ConstructionFinance, MortgageLoan, LoanAgainstProperty, FirstTimeBorrower, ProjectFunding, RealEstateDeveloper, CashFlowRisk, IndianRealEstate, MumbaiRealEstate, FYGAdvisory]

www.fygadvisory.com

Many developers feel pre-structure funding is unfairly priced.

But from a lender’s point of view, this is the stage where the risk is highest.

At this point, the lender is taking exposure before the project has created enough visible comfort on ground. There is no slab progress yet; ex*****on is still at an early stage; and many assumptions around timelines, sales, and project movement are yet to be proven through actual performance.

In simple words, the lender is taking a call more on future confidence than present evidence.

They are not only funding the project; they are also funding the developer’s ability to execute the plan, maintain momentum, and translate approvals and projections into real progress.

That is why pricing at this stage is usually higher.

Once the structure begins and the project starts showing physical movement, lender confidence improves. Risk perception changes; and that often opens the door for better terms.

So pre structure funding is not expensive without reason; it is priced for the uncertainty it carries.

If you are evaluating funding at an early stage, how your case is positioned can make a meaningful difference. FYG Advisory helps developers present early stage funding cases with better clarity, credibility, and lender relevance.

www.fygadvisory.com

📣Join Our Team! As a Finance Associate: Opportunity in Construction Finance

CRITERIA FOR APPLICATION :

- CA Inter/ MBA Finance
- Passionate about finance as a career
- Experience of 6 months - 1 year
- Excellent written and verbal communication skill
- Good working knowledge of the Microsoft office is essential, particularly Word & Excel

PERKS OF JOINING :

- Contribute to raising funds for developers and making a real impact.
- Gain hands-on experience working with developers and their team.
- Incentive-based payment structure that rewards your contributions and achievements.
- Access professional development opportunities to enhance your skills.
- Enjoy an excellent work-life balance.

If you’re ready to take on a new challenge and grow with a dynamic team, apply now!

📍Mumbai

To apply, please email your CV to [email protected] with the subject line

‘Finance Associate Application - [Your Name]’.

[FinanceAssociate, ConstructionFinance, DebtSyndication, RealEstateFinance, CAInter, MBAFinance, FinanceJobsMumbai, EntryLevelFinance, RealEstateDeveloper, IndianRealEstate, MumbaiRealEstate, FYGAdvisory]

FYG Advisory wishes you all a very Happy New Year 🥳

#2026