High value, low liquidity, and complicated documentation are some of the difficulties that industrial land frequently presents.

Almost all of the major banks rejected the proposal from a warehouse owner who came to us with a 1-acre property and unfinished Katha paperwork, citing concerns about risk and recovery.

After carefully reviewing the case, we reorganized the file and obtained a conditional sanction that is contingent upon Katha. The loan, which was INR 2.5 crore at 9.5 percent, was eventually disbursed with the proper framing and execution.

Because sometimes it’s easier to tell the difference between “too risky” and “successfully funded.”