Saurabh V.

I've been the lender. For two decades I sat on the capital side of real estate, first at SBI, then about 12 years at Piramal, where I built and led the Bangalore real estate investments business from scratch to roughly US$1 billion in assets within five years. I know how credit teams evaluate a project, what makes them say yes, and where deals fall apart. Today I run a debt advisory firm that has coordinated over ₹2,000 crore of funding for real estate developers. On Upwork I help developers, investors and lenders with: Development feasibility and cash-flow models: residential, commercial, mixed use Construction loan sizing, DSCR, security cover and repayment scenarios Lender-ready proposals, credit notes and investment memos Review of existing models: where they break, and why Due diligence on project financials and collections Every model comes with one inputs sheet, live formulas, a check tab and a one-page summary. I state every assumption and flag every data gap instead of guessing. I also brief foreign investors, funds and research teams who want to understand the Indian real estate market: the routes for foreign capital (direct investment in construction projects, AIFs, debt through NCDs and NBFCs, and REITs), how Indian lenders and developers price risk, and how residential markets in Bengaluru and South India actually behave. These briefings are for market understanding. Formal structuring needs Indian legal and tax counsel, and I will tell you when you need them. If you're preparing a raise (land, construction finance, refinancing or structured capital) and need the numbers to hold up in front of a credit committee, send me a message.