Helping Indian businesses lead
their next growth story.
We provide fast, progressive, and customized financial solutions for mid to large-sized enterprises to support their business growth.
We are financial experts who believe in aspiration, growth and building our nation.
We help ambitious founders and businesses navigate the financial world, and make capital available when needed.
Unleash Your Potential with Prachay.
Trusted. Bespoke. Innovative.
Advisory
We advise and support your major financial decisions.
Capital
We assess risks and aspirations to finance growing enterprises.
Fund
We support businesses with investments for growth.
We must challenge traditional financial systems to ensure we build foundations to unleash the true potential of Indian businesses.
It is a great time to be in business, with India on track to become the world’s largest economy in the next few years.
Capital is a critical component for growth, and the way today’s enterprises interact with it will decide the winners and losers of tomorrow.
Unfortunately, the traditional capital system seems designed to slow you down and force fit you into its primitive design.
Business leaders trust Prachay to
leverage capital for growth.
SEBI registered Category-II Alternative Investment Fund
$1 billion
worth of transactions
closed
200+
successful projects
delivered
300+
businesses powered
by Prachay
100%
success
ratio
We provide great financial solutions to help
businesses uncover their true potential.
Bespoke to your exact
requirement.
Flexible and adaptable
to market risks.
Forward looking and
immersed in vision.
Designed based on
market realities.
Look at opportunity, not
just risk.
Make capital available
when needed.
businesses uncover their true potential..
Bespoke to your exact
requirement.
Flexible and adaptable
to market risks.
Forward looking and
immersed in vision.
Designed based on
market realities.
Look at opportunity, not
just risk.
Make capital available
when needed.
Propelling ambitious mid and large size
enterprises towards progress and growth.
Unique solutions delivered by Prachay to
help businesses achieve their potential.
An ambitious mid-sized real estate company was looking to aggressively…
A 30-year-old mid sized manufacturing company with a substantial asset base…
A mid-sized real estate company undertaking a commercial project changed…
“To truly revolutionize the Indian business landscape, entrepreneurs and businesses must seek out financial partners who not only understand the intricacies of their operations, but also share their ambitious vision.”
A first-generation entrepreneur himself, Girish Lakhotiya has over a decade’s experience in helping businesses thrive and grow. As a trusted financial expert, he commits to understanding your business, your goals and challenges, and leverages his insights of the industry to help you achieve capital growth and fulfill your business’ potential. With his expertise and knowledge, he provides invaluable assistance to over 300 businesses, helping them reach their goals.
Girish Lakhotiya
Founder & CEO
Take the first steps towards unlocking your business’ potential.
Your partners in growth
Increased turnover by
200% through organized
borrowing
Solutioning and Approach:
- Apprised the client of the advantages of borrowing from institutional lenders and disadvantages of borrowing from the unorganized market.
- Advised company on ways to manage risks and aspirations through risk evaluation metrics and risk reward balancing. Helped structure the proposal in a way that led to prominent lenders giving out loans at lower cost.
- Managed to raise the funds from banks at a low interest cost after improving the balance sheet and helping manage finances better. Client was able to repay the unorganized lenders.
- Over a period of 2-3 years, further improved the external credit rating and that resulted in further decreased cost of funds
- Helped the client build strong relationships with various lenders.
Borrowing cost was reduced by 45-50% in just 3 years
Turnover increased by 200% over a 5-year period
Strengthened the balance
sheet and reduced borrowing cost by 34.5%
Solutioning and Approach:
- Apprised the client on how lenders evaluate the short term – long term mismatches and the importance of key ratios like current ratio, TOL/TNW.
- Advised the company to dispose of non-core assets to strengthen the equity base.
- Taught the client how the balance sheet is strengthened if there is adequate capital or long-term funds against debts or short-term funds.
- Borrowed long-term funds against the company’s valuable fixed assets at low interest cost to enhance the working capital margin.
- Raised money from the most reputed lenders at very low cost.
Improved the current ratio from 0.65 to 1.45 in one year
Managed to get above investment grade credit rating
Reduced borrowing cost by 34.5%
Avoided inevitable credit
default and turned company cash surplus in 12 months
A mid-sized real estate company undertaking a commercial project changed the business model from outright sale to leasing. This led to them being unable to fund the completion of project. The company was very close to defaulting on its borrowings.
Solutioning and Approach:
- Provided bridge funding to the client against other assets for completion of the project.
- The completion of the project resulted in long term lease agreements with reputed leasers. With big anchor leasers coming in, the other units were also leased out comfortably.
- Arranged low cost lease rental discounting from financial institutions.
- Repaid the existing borrowings of the company.
- The company turned from cash flow negative to a cash surplus company in a matter of one year.
Helped a cash starved company to turn the tables, avoid default and become cash surplus in one year
Cost of funds was reduced by 45%