Working Capital Finance
Funding designed to bridge operating cycles, manage inventory, support receivables and maintain healthy business liquidity.
Explore Solution →
SME Finance Advisory
Business Loans for MSMEs
Working capital, term finance and specialised funding — structured around your business, cash flow and growth plans.
SME-Focused FinancingBuilt for operating businesses
Founder-Led AdvisoryChartered Accountant leadership
Structured Credit ApproachFit before product
Multiple Lending SolutionsWorking capital to structured debt
Transparent ProcessClear documentation and expectations
Financing Solutions
Capital Solutions for Every Stage of Growth
From day-to-day working capital to expansion and specialised funding, we help businesses identify and structure financing suited to their requirements.
MSME Term Loans
Structured term finance for expansion, capacity enhancement, equipment, infrastructure and long-term business requirements.
Explore Solution →CGTMSE / Collateral-Free Finance
Explore eligible collateral-free financing under applicable CGTMSE guidelines through participating lending institutions.
Explore Solution →Invoice / Bill Discounting
Unlock working capital tied up in eligible receivables and invoices.
Explore Solution →Machinery & Equipment Finance
Finance for machinery, equipment and business expansion requirements.
Explore Solution →Structured Debt Solutions
Tailored financing structures for businesses whose requirements go beyond a standard loan product.
Explore Solution →
Why Nexterra
Why Businesses Choose Nexterra
01 — FINANCE-FIRST
Finance-First Thinking
We look at the business, cash flow and underlying requirement before recommending a financing route.
02 — STRUCTURE
Structured Approach
Different businesses require different forms of capital. We focus on structuring the requirement appropriately rather than forcing every business into the same product.
03 — LENDER-AGNOSTIC
Lender-Agnostic Approach
Where appropriate, we evaluate financing options across relevant lending institutions rather than treating one lender as the answer to every requirement.
04 — FOUNDER-LED
Founder-Led Perspective
Direct access to a finance professional who understands the fundamentals behind the numbers.
05 — TRANSPARENCY
Transparent Communication
Clear expectations around documentation, eligibility, lender assessment, pricing and process.
How We Work
A Clearer Way to Approach Business Finance
01
Understand
We start by understanding your business, funding requirement and current financial position.
02
Assess
We review the relevant financial and business information to understand the most appropriate financing route.
03
Structure
We help structure the requirement and identify suitable lending options.
04
Execute
We coordinate the process through documentation, lender interaction and sanction/disbursement.
Who We Serve
Built for Ambitious Indian Businesses
Whether you are expanding capacity, managing a working-capital cycle or investing in your next phase of growth, Nexterra helps you approach business finance with greater clarity.
Manufacturing
Capacity, raw material cycles and plant expansion.
Trading & Distribution
Inventory, receivables and channel growth.
Services
Professional and operating businesses seeking growth capital.
Infrastructure & Contractors
Project-linked and mobilisation-related funding needs.
Exporters
Order-backed and receivables-led working capital.
Growing Family Businesses
Professionally managed SMEs preparing the next phase of scale.
Madhur Rathi
Founder Director | Chartered Accountant
Built on Financial Understanding
Finance Begins With Understanding the Business.
Nexterra Fincorp is led by Madhur Rathi, Founder Director and Chartered Accountant. The firm's approach is rooted in understanding the financial fundamentals of a business before determining the right funding structure.
Madhur Rathi brings a finance-first perspective to business funding — helping entrepreneurs look beyond simply obtaining a loan and towards structuring capital that fits their business.
CGTMSE Framework
Could Your Business Qualify for Collateral-Free Finance?
CGTMSE is a credit guarantee framework designed to facilitate institutional credit for eligible Micro and Small Enterprises. Under applicable guidelines, participating Member Lending Institutions may extend eligible credit facilities with guarantee coverage.
Nexterra helps businesses understand whether CGTMSE-linked financing may be relevant — and how to approach participating lenders. Nexterra does not provide a Government of India guarantee, and CGTMSE is not a Nexterra product.
How it works
- Business approaches an eligible lending institution.
- Lender evaluates the business and loan application.
- If eligible, the lender may seek applicable guarantee coverage.
- Loan sanction and terms remain subject to lender assessment and applicable scheme guidelines.
CGTMSE does not directly provide loans. Financing is subject to eligibility, lender credit assessment and applicable scheme guidelines. Refer to the official framework at cgtmse.in.
Case Studies
Funding Challenges. Structured Solutions.
Selected illustrations of how we frame a financing conversation. Live Nexterra case studies will be published here as they are cleared for sharing.
Placeholder — Manufacturing SME
Working Capital Requirement
Detailed case study coming soon.Placeholder — Trading Business
Expansion-Linked Term Finance
Detailed case study coming soon.Placeholder — Services SME
Collateral-Free Facility Assessment
Detailed case study coming soon.
Insights
A Clearer View of Business Finance
Editorial notes for business owners who want to understand credit, cash flow and capital structure — not just fill an application.
Working Capital
Working Capital: What Every SME Owner Should Understand
How operating cycles, inventory and receivables shape the true need for short-term finance.
Read insight →CGTMSE
CGTMSE Loans Explained: Eligibility, Process & Key Considerations
A practical reading of the credit guarantee framework — and what lenders still examine.
Read insight →Business Loans
Term Loan vs Working Capital: Which Is Right for Your Business?
Matching the tenor and structure of finance to the purpose of the funds.
Read insight →
Next Step
Let's Structure the Right Capital for Your Next Stage of Growth.
Tell us about your business and funding requirement. We'll help you understand the financing routes that may be appropriate for your business.