The LRSD Edge
Where others see constraints, we see enterprise value.
We combine thirty-one years of proprietary anchor investing, direct balance sheet lending, and bespoke cash cycle structuring to deliver speed without compromise.
Core Differentiators
The four pillars.
Why our underwriting model outperforms conventional rating templates for India's emerging listed and growth enterprises.
We weigh what others overlook
Earnings quality, promoter conduct, sector position, order book — the factors that actually predict repayment in this segment. Two decades of anchor investing lets us assess paper that a rating table cannot.
One lender, the full ticket
₹1 crore to ₹100 crore off our own balance sheet, ₹200 crore for developer credit — the whole requirement from a single counterparty, with one set of covenants.
Structured to your cash cycle
Drawdowns against milestones, receipts escrowed, repayment matched to when money actually arrives. Mezzanine and convertibles where straight debt does not fit.
Present through every cycle
A clean record with no write-offs, and lines held open through market stress — when this segment's lenders typically withdraw.
We were investors before we were lenders.
“We have already underwritten these companies once — with our own equity.”
Since 1995 the Group has been one of India's most active anchor investors in public issues and a leading provider of direct growth capital to SME and mid-cap issuers. We have read their DRHPs, met their promoters, priced their equity and held it through cycles.
A lender starting from a rating table sees a thin float and a short history. We see a company we have been tracking for years. That is not a softer credit standard — it is a better-informed one.
Portfolio Companies Anchored
Representative public market anchor investments & growth capital deployed across cycles
Fastest Turnaround:
Speed without compromise.
Most of a credit decision is spent learning the company. We already know it. Since 1995 the Group has anchored these companies' public issues, read their offer documents, met their promoters and held their stock through cycles — so we start where other lenders reach in week two.
“The speed comes out of the front end, not out of the file. Same security, same covenants, same guarantees.”
48 Hours
How We Move from Inquiry to Capital in 3 Days
Direct Mandate Alignment & Term Sheet
Direct evaluation with the investment committee. We assess promoter background, capital requirements immediately, and issue a structured term sheet.
Documentation & Sanction
Standardized loan agreement, depository pledge (NSDL/CDSL) & escrow setup executed in parallel with fast-track legal clearances.
100% Fund Disbursement
Funds disbursed directly to borrower account off our balance sheet with active risk surveillance and portfolio monitoring.
Three Reasons Why LRSD Moves 20x Faster
1. Pre-Underwritten Knowledge
31 years of anchor investing means we have already researched the management, company history, and market sector before you even call.
2. 100% Own Balance Sheet
We lend our own retained equity. There are no syndicate banks to consult, no LP permissions to seek, and no second-guessing committees.
3. Parallel Processing
Legal documentation, depository pledge creation, and background verification are processed in parallel, not sequentially.