Strategic advisory for risk, credit, restructuring, and institutional fund raising.
Balsan Consulting helps institutions and businesses navigate complex financial decisions through focused advisory across risk advisory, private credit, debt syndication, restructuring advisory, and fund raising for institutions.
Insight, strategy, and value for complex financial decisions.
Balsan Consulting is a specialist advisory firm focused on helping clients evaluate financial risk, structure capital solutions, and navigate strategic funding and restructuring situations.
The firm brings a disciplined, relationship-led approach built on clarity, discretion, and long-term value creation.
Bespoke financial stewardship for corporate boards and institutional desks.
Operating at the intersection of private credit markets and specialized treasury needs, Balsan Consulting acts as a confidential sounding board and transactional catalyst.
Institutional perspective
Uncompromising institutional rigor applied to debt structures, credit syndication, and private placement underwriting.
Strategic capital solutions
Synthesizing custom capital stacks, hybrid debt mechanisms, and mezzanine structures designed to optimize balance sheets.
Structured advisory approach
Analytical rigor powered by financial modeling, scenario stress testing, covenants analysis, and lender documentation.
Relationship-driven execution
Deep, trusted ties across public banks, private debt funds, NBFCs, and sovereign desks ensure prompt mandate closure.
Advisory capabilities tailored to high-stakes financial situations.
The firm offers focused advisory across five core areas, each designed to help clients address capital, credit, and restructuring priorities with confidence.
Risk Advisory
Comprehensive governance frameworks, liquidity risk modeling, and asset-liability stress analysis tailored for complex operating balance sheets.
Private Credit
Bespoke bilateral loan structures, mezzanine debt, and institutional private credit underwriting connecting credible enterprises with agile funds.
Debt Syndication
Multi-bank consortium arrangements, term debt syndication, and working capital consortium realignments structured for scalable expansion.
Restructuring Advisory
Turnaround strategies, covenant recalibration, OTS negotiations, and pre-insolvency resolution roadmaps that safeguard enterprise value.
Fund Raising for Institutions
Structuring institutional capital drives, debt-equity hybrid instruments, and long-term liquidity lines for corporations and platforms.
Structured execution frameworks for high-stakes capital mandates.
Each practice operates with dedicated underwriting rigor, proprietary lender engagement protocols, and measurable risk mitigation deliverables.
Risk Advisory
Support clients in identifying, evaluating, and managing financial and strategic risks so decision-making is grounded in discipline.
From balance-sheet volatility to unexpected monetary policy shifts, we design stress-test matrices that protect enterprise liquidity.
Granular 24-month rolling cashflow covenants and exposure maps.
Rapid diagnostic followed by ongoing quarterly treasury supervision.
Direct advisory to CFOs, audit committees, and directors.
Private Credit
Advise on private credit opportunities and structures that align capital providers and borrowers with practical pathways.
We navigate special situation funds, credit funds, and non-bank institutional lenders to deliver unconstrained financing instruments.
Mezzanine credit, promoter financing, and structured yield notes.
Mid-market corporate enterprises and high-growth platforms.
Capital preservation with tailored amortization & tenors.
Debt Syndication
Structure and coordinate debt syndication processes that improve access to capital while balancing terms and execution.
Leveraging relationships across PSU, private, and foreign banks to syndicate project loans, Capex facilities, and working capital.
Techno-Economic Viability & Info-Memorandums.
Direct syndication across PSU, Private Bank, and DFIs.
End-to-end management including legal clearance.
Restructuring Advisory
Guide businesses through restructuring situations with a focus on preserving value and improving financial stability.
Whether mediating inter-creditor dynamics or restructuring debt obligations under RBI frameworks, we safeguard operational value.
Restructuring blueprints, OTS formulation, sustainable debt.
Minimizing haircuts, avoiding liquidation, restoring solvency.
Joint Lenders Forum representation and legal mediation.
Fund Raising for Institutions
Support institutions in positioning fund-raising initiatives with a sharper strategic narrative and investor-aligned communication.
Assisting BFSI platforms, NBFCs, and conglomerates in securing anchor allocations and structured paper issuance.
Institutional information memorandums & investor decks.
Subordinated debt, perpetual bonds, and yield notes.
Insurance companies, Mutual Funds, Family Offices & FPIs.
The right answer is rarely only financial.
Complex mandates require commercial context, stakeholder understanding, and a clear sequence of actions. We build advice around the whole decision — not just the numbers.
Clarity First
We demystify complex transaction mechanics, presenting clear choices, risks, and trade-offs before execution.
Analytical Rigor
Deep modeling, scenario testing, and covenant sensitivity analysis built to withstand institutional scrutiny.
Outcome Aligned
Our mandates focus on executable outcomes, aligned terms, and sustainable long-term capital stability.
Direct Dialog
Senior-level engagement ensuring direct partner oversight across underwriting, negotiations, and closing.
Lender Ecosystem
Established credit networks across PSU banks, private sector institutions, private credit funds, and NBFCs.
Confidentiality
Unwavering commitment to client privacy, non-disclosure compliance, and discreet transaction management.
Who We Work With
We partner with NBFCs, startups, MSMEs, and established corporates on complex financial and strategic mandates. From credit structuring and fundraising to business valuation and financial advisory, our work is driven by rigorous analysis, commercial understanding, confidentiality, and focused execution.
Direct, senior-led engagement on every mandate.
Santosh Kumar
Balsan Consulting is led through a direct, senior relationship model. With over 30 years of deep experience across credit markets, capital restructuring, and institutional advisory, Santosh brings both financial judgment and practical execution capability to every client engagement.
A relationship-led advisory approach trusted by corporate leaders, private funds, and financial institutions navigating high-stakes transaction environments.
Engage with Balsan Consulting.
Share your situation, objective, or capital requirement. Our senior partners will respond promptly to align on next steps.
Plot 21 & 22, Sector 12A,
Koparkhairne, Navi Mumbai — 400709
Insight before action.
Every mandate begins with understanding the situation, stakeholders, constraints, and available paths. Only then do we build the transaction or strategy.