services

Lending Solutions

Creating Flexible Credit Solutions tailored to the needs of our clients

World-class service

We combine world-class service and sophistication with a tailor made approach to devise your winning strategy.

Taking a holistic view of your business helps us identify new value-add solutions.

Built around you

With more than a century of corporate and investment banking experience in aggregate within the team, we bring the expertise to structure deals that work for you.

Our open architecture model creates the independence required to arrange and advise on mandates that fully represent your interests.

Insight-led approach

Our approach begins with problem- solving as a team to build investment solutions based on unique market insight.

Backed by the Group's considerable experience in lending solutions, we have an intimate understanding of our clients’ challenges, so we can spot unique opportunities to help them thrive.

Bespoke solutions

Our work starts with you. Seeing things from your perspective and looking beyond the numbers is how we craft bespoke and insight-driven solutions.

We leave no stone unturned in our analysis, and treat your family’s needs with the utmost rigor.

Sub-Services

Commercial Lending Solutions

We provide structured financing solutions to meet working capital requirements for growth or to bridge irregular business cashflows. In addition, we support our clients’ short-term capital expenditure

Mortgage solutions

We specialize in arranging regulated mortgage contracts and buy to let solutions in UK to help clients secure tailored financing for their property needs. Our solutions provide flexibility and competitive terms to support homeownership and property investment goals.

Commercial Real Estate Lending Solutions

Customized commercial real estate lending solutions to support acquisitions, refinancing, and development projects. Our financing structures are designed to optimize capital efficiency and align with our clients’ investment strategies

Klay Insights

1H 2025 for Indian Equities

By: Ravi Malani

Jan 2025

The road ahead seems to be ridden with speed breakers due to multitude of factors casting their dark shadows which shall not be period of easy returns as compared to last few years

Equity Gain: Real or a Mirage?

By: Uday Vikram

Nov 2024

Investors may feel optimistic about the impressive rise in their equity portfolios, but beneath the surface, the story isn’t as remarkable.

Pandanomics and Animal Spirits

By: Aadil Ebrahim

Oct 2024

Earlier this year, during one of our Klay Rally-Up Series webinars, I was asked what could make me more positive on China, given my bearish stance on both economic and earnings growth despite attractive valuations. My answer was simple: We need to see Premier Xi Jinping give Alibaba’s founder, Jack Ma, a big, very public hug. The Chinese markets peaked in February 2021, just a few months after Jack Ma’s infamous speech criticising the Chinese government

US Fixed Mortgage Rates

By: Akshat Kumar and Aarushi Gupta

Aug 2024

The predominance of 30-year fixed-rate mortgages in the U.S. housing finance market has slowed the pass-through of the Federal Reserve's interest rate hikes to existing borrowers. This is because most U.S. households had locked in ultra-low mortgage rates before the Fed began raising rates in 2022.

Reindustrialisation vs Strong Dollar

By: Uday Vikram

Jan 2025

Donald Trump began his second term with less drama than anticipated, at least on the tariffs front. His agenda—bolstered by strong U.S. economic growth—has led to the strongest dollar since the early 2000s. However, this strength poses a key challenge: reducing the trade deficit becomes increasingly difficult with a high dollar.

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