Financial Advisory

Ratnaafin Advisors is a tech-enabled firm that provides debt and equity syndication services mainly to the micro industries, small industries, small manufacturers, traders and all service providers, with an aim to bring a greater scale and accessibility to the debt eco-system by bringing better deal discovery, price discovery, execution, post-sanction servicing and financial aspects.



Working Capital Term Loan

Working Capital Loan is also known as Cash credit/Overdraft/Letter of Credit/Bank Guarantee/Packing Credit. A working capital loan is a type of funding that takes care of a company’s everyday expenses and ensures that the core operations run smoothly. This type of loan amount is usually provided for working capital requirements compared to long-term investments or assets.

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Term Loan

A term loan is a type of funding that fulfils mainly for a capital investment and/or expansion of any business. This type of loan amount is usually provided for long-term operational requirements compared to short-term investments.


Home Loan

Every individual has a dream of building a home, and while it is quite a daunting task to save funds for buying a home, a home loan bridges the gap to bring you closer to your dream home. Depending on the need and affordability, each individual has plenty of options to choose from when it comes to home loans.

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Loan Against Property

A loan against Property is a secured, high-value advance available against the mortgage of a residential or Commercial or Industrial Property. The Funds come with no end-use restriction and can be used to fulfil multiple financial objectives requiring lump sum expenditure.

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Business Loan

A business loan (Unsecured Business Loan/Personal Loan) is a unique offering by banks and financial institutions. It is a loan provided without security.The product has been designed for individual and non-individual entities, either self-employed entrepreneurs, traders, manufacturers, Service Provider and/or companies.

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Project Finance

When an Enterprise with existing experience or without existing experience in the same line of work decides to start manufacturing in that line the new venture (enterprise) can be called as Greenfield Project.

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Agriculture Finance

Agricultural finance generally means studying, examining and analyzing the financial aspects pertaining to farm business, which is the core sector of India. The financial aspects include money matters relating to the production of agricultural products and their disposal.

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Construction Finance

Construction Finance loans are designed to meet the requirements of real estate developers so that they can complete the construction of their proposed or on-going projects against the project sales receivables. Types of Construction Finance projects • Residential • Commercial • Industrial

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Mergers and Acquisitions

In a merger, two companies agree to combine their operations into a single entity and an acquisition entails an entity acquiring a controlling stake in another business or entity.

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Private Equity & Venture Capital

At Ratnaafin, our team interacts closely with private equity funds, venture capital funds, high net worth investors on an ongoing basis and has a good understanding of their focus, investment criteria, thesis, philosophy, and preferences which help us to facilitate the most appropriate investor-company fit, thus delivering the best value.

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Industrial Subsidy

The industrial Policy 2020 envisions Gujarat as a Global Business destination for next generation sustainable manufacturing & service industry that stimulates sustainable development & balanced regional growth.

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Invoice Discounting

Invoice discounting simply means obtaining finance against your invoice. As with all types of invoice finance, with invoice discounting you may sell your unpaid invoices to a lender and they shall give you a cash advance which is usually a percentage of the invoice’s total value. Once your customer has paid the invoice, the lender pays you the remaining balance minus their fee.


Loan Against securities

Loan Against Securities can be offered as an overdraft facility in your account after you have deposited your securities. You may pledge securities such as shares, mutual funds or life insurance policies as collateral to the bank against your loan amount. You may draw money from your account as required and pay interest only on the loan amount you have use and for the period you used it.


Lease Rental Discounting

Lease rental discounting or LRD is a type of term loan which is offered against rental receipts that is obtained from lease contracts of property. The amount of loan that you can avail is based on the value of the property and the discounted value of rentals.

Team RMSLLP - Advisory

Anang Pandya

Business Head

Dhwanit Timaniya

Business Head - SME

Kunal Patel

Business Head - Retail

Kunjal Patel

Business Head - Retail

Yash Patel

Credit Head - Project Finance

Mihir Dave

Credit Head - Project Finance

Devanshi karia

Credit Head

Jeenal Desai

Credit Head - Project Finance

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