Term Loan
A lump-sum loan repaid over a set period, ideal for long-term capital investments.
Debt advisory for founders & CFOs
Capital Financing For Growth Stage Companies
Aligning Founders & CFO’s with the best Financing Partners
Non-dilutive. Lender-agnostic. One conversation, every lender.
150+ companies funded including
Track record
Empowering Businesses with Optimized Financial Solutions
Access India’s Leading Banks, NBFCs, Fintechs, AIFs, Family Offices, and Private Capital Partners
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Companies Funded
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Capital Raised
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Founders Consulted
The lender network
One mandate. Every lender in the market.
Orilo aggregates India’s debt providers so you don’t negotiate with them one at a time. Your requirement goes to the lenders who actually fund your profile, and their terms come back side by side.
BanksNBFCsFintechsAIFsFamily OfficesPrivate Capital
Competitive tension. Lenders quote knowing others are quoting. That is where better rates come from.
Right lender, first time. A venture-debt fund, a bank and an NBFC underwrite very differently. We route your mandate to the ones built for it.
One data room, one process. You prepare your numbers once. We run the lender process in parallel.
What we arrange
Suite of Financial Products
Eight debt instruments, matched to what the money is for and how it will be repaid.
Invoice Discounting
Immediate cash flow by selling unpaid invoices at a discount to a financier.
Venture Debt
Debt financing for high-growth startups backed by venture capital, without equity dilution.
Working Capital Demand Loan
Short-term loan designed to meet day-to-day operational cash flow needs.
Revenue-Based Financing
Flexible funding where repayments are tied to a percentage of future revenues.
Non-Convertible Debentures
Fixed-interest debt instruments offering companies long-term financing without equity conversion.
Line of Credit
A revolving credit facility that businesses can draw from as needed, up to a set limit.
Supply Chain Financing
Optimizes working capital by allowing businesses to pay suppliers faster or extend payment terms.
Who it’s for
Three situations where the right instrument changes the outcome
Most founders know they need capital. Fewer know which kind of debt fits the moment. This is how we think about it.
Situation 01
Bridging to the next round
You have runway, a priced round is a couple of quarters out, and raising equity today would mean pricing it on last year’s numbers. Debt extends the runway without setting the valuation.
Situation 02
Working capital is choking growth
Receivables sit for 60 to 90 days while payroll and vendors are due now. The business is healthy on paper and tight in the bank. Receivable-backed lines turn stuck invoices into cash.
Situation 03
Funding growth capex
A new plant, equipment, stores or a fleet with a multi-year payback. Long-dated assets deserve long-dated money, not a working-capital line that comes due in twelve months.
The Orilo Advantage
Elevate your funding with proven expertise
Expertise in Structuring
We design custom debt solutions to suit your specific needs—whether it’s working capital, equipment financing, or growth capital.
Better Negotiation Power
Leveraging our extensive network, we help you negotiate competitive interest rates and favorable terms from top-tier lenders.
Speed and Efficiency
We streamline the process from application to sanction, ensuring you can access capital quickly when you need it most.
How it works
From first call to disbursal, in four steps
You stay focused on running the company. We run the lenders.
01
Discovery call
A free 15-minute conversation with Shrimay on the business, the capital need, the timeline and what you have raised so far. You leave knowing whether debt fits, and which kind.
02
Structuring
We design the instrument mix: quantum, tenor, security, pricing expectations and covenants you can live with. The structure is built around your cash flows, not the lender’s template.
03
Lender process
Your mandate goes to the lenders in our network who fund your profile. We run them in parallel, manage diligence questions and bring term sheets back for a side-by-side comparison.
04
Sanction & close
We negotiate the final terms, coordinate documentation and stay on it through sanction and disbursal. Then we stay in touch, because the next facility is usually easier than the first.
Not sure which step you are at? Start with the call. It costs nothing and most founders leave it with a clearer picture of their options.
Book the 15-minute call
Founder, OriloShrimay Mohanty
A note from Shrimay
About Shrimay Mohanty
As a financial strategist with 10+ years of experience, I help founders secure non-dilutive capital and optimize their capital structure for sustainable growth. My expertise in debt advisory and alternative financing enables startups to scale without sacrificing equity. I’m passionate about empowering founders with tailored, strategic funding solutions that align with their growth goals. Let’s connect if you’re looking for a partner to drive growth, maximize value, and keep control of your vision.
shrimay@orilo.com
FAQ
Questions founders and CFOs actually ask
If yours isn’t here, it is a good opening question for the call.
Still deciding?Ask Shrimay directly on a free 15-minute call.
Is debt the right choice for us, or should we raise equity?
Debt makes sense when the money has a clear, near-term return and the business can service repayments from cash flows or a planned raise: extending runway to a priced round, funding receivables, or buying assets with a multi-year payback. Equity makes sense when you are funding uncertainty. Many growth-stage companies do both, and the discovery call is where we work out the right mix for you.
Will any of these instruments dilute our equity?
Term loans, working capital lines, invoice discounting, supply chain finance, NCDs and revenue-based financing are non-dilutive. Venture debt is also non-dilutive in the ordinary sense, though lenders typically ask for a small warrant component alongside the loan. We make that trade-off explicit before you sign anything.
Which lenders are in the Orilo network?
India’s leading banks, NBFCs, fintech lenders, AIFs running venture-debt and private-credit strategies, family offices and private capital partners. Different lenders underwrite differently, so the value is less in the size of the list and more in routing your mandate to the ones built for your profile.
How does the process compress timelines?
Timelines depend on the instrument and the lender: receivable-backed lines move faster than secured term loans. What Orilo changes is sequencing. You prepare one set of numbers, lenders are approached in parallel rather than one after another, and diligence questions are handled centrally so the process does not stall on your side.
Do we need to be profitable to qualify?
Not for every instrument. Banks tend to look for a track record and security. Venture-debt funds look at the strength of your equity backers and runway. Invoice and supply-chain financiers look at the quality of your receivables and counterparties. Part of structuring is finding the lenders whose criteria you already meet.
What kind of companies does Orilo work with?
Growth-stage companies, led by founders and CFOs who want to fund growth without giving up more equity than they have to. The companies we have helped fund span logistics, HR and workforce services, SaaS, digital commerce and more.
What happens on the first call?
Fifteen minutes with Shrimay. You describe the business, the capital need and the timeline; he tells you honestly whether debt fits, which instruments are realistic, and what lenders will want to see. There is no fee for the call and no obligation afterwards.
Ready when you are
Don’t miss out on better financing options
Schedule a call now. Fifteen minutes with Shrimay, and a clearer view of what the market will lend you and at what rate.
Schedule a call now