Home
Total Finance Solutions
Structured approach towards Bank Guarantees, Insurance Bonds
Empowering contractors, importers, exporters, and institutions with bank-backed financial instruments and advisory solutions
Book Free Consultation
About Us
Who We Are ?
Total Finance is a distinguished financial structuring and advisory firm with over five years of proven experience in the complex landscape of FinTech solutions, distressed asset management, third-party bank guarantees, and comprehensive trade finance structures. Our specialized expertise positions us as a trusted partner for organizations navigating the intricate world of institutional finance.
We work closely with a diverse network of government banks, private sector financial institutions, and scheduled cooperative banks to deliver compliant, customized, and execution-focused financial solutions. Our deep understanding of regulatory frameworks, combined with our extensive banking relationships, enables us to structure sophisticated financial instruments that meet the unique requirements of each client.
Our team brings together seasoned professionals with backgrounds in banking, finance, legal compliance, and risk management. This multidisciplinary approach ensures that every solution we deliver is not only financially sound but also aligned with the highest standards of regulatory compliance and industry best practices.
At Total Finance, we pride ourselves on our consultative approach, working shoulder-to-shoulder with our clients to understand their specific challenges and objectives. Whether you're a government contractor seeking performance guarantees, an importer requiring letter of credit facilitation, or a financial institution managing distressed assets, we bring the expertise and network to deliver results.
Our Services
Core Services
Total Finance offers a comprehensive suite of financial services designed to address the complex needs of corporates, contractors, and financial institutions. Our solutions are tailored to provide security, compliance, and strategic advantage in today's competitive marketplace.
Distressed Asset Management
  • Comprehensive asset evaluation and resolution strategies
  • Non-performing asset (NPA) advisory services
  • Structured recovery and restructuring support
  • Valuation and due diligence coordination
  • Stakeholder negotiation and settlement facilitation
Third-Party Bank Guarantees
  • Government and private contractor guarantee structuring
  • Tender bid and performance guarantee facilitation
  • Multi-bank coordination and documentation
  • Advance payment and retention guarantees
  • Custom guarantee structures for unique requirements
Letter of Credit Facilitation
  • Import and export LC issuance coordination
  • Bank liaisoning and relationship management
  • Secure trade payment structure design
  • Documentary compliance and verification
  • Back-to-back and transferable LC arrangements
How We Work ?
Our structured approach ensures seamless execution from initial consultation to final delivery. We believe in transparency, clear communication, and meticulous attention to detail at every stage of engagement. Our proven methodology has been refined through years of successful client partnerships across diverse industries and transaction types.
Client Consultation & Assessment
We begin with an in-depth consultation to understand your specific requirements, business context, and financial objectives. Our team conducts a thorough assessment of your needs, existing banking relationships, and regulatory considerations to develop a comprehensive understanding of your situation.
Financial Structuring & Bank Selection
Based on our assessment, we design optimal financial structures and identify the most suitable banking partners from our extensive network. We evaluate multiple options, considering factors such as cost, timeline, compliance requirements, and long-term strategic fit to ensure the best outcome.
Documentation & Compliance
Our team manages all documentation requirements with meticulous attention to detail, ensuring full regulatory compliance and adherence to banking standards. We coordinate with legal advisors, banks, and regulatory authorities to streamline the approval process and minimize delays.
Execution & Issuance
We oversee the complete execution process, including guarantee or LC issuance, fund arrangements, and all operational aspects. Our hands-on approach ensures smooth implementation, with real-time updates and proactive issue resolution throughout the execution phase.
Advisory & Monitoring
Post-execution, we provide ongoing advisory support and monitoring services to ensure continued compliance and optimal performance. We remain available to address any concerns, facilitate renewals or modifications, and support your evolving financial needs as your business grows.
Why Choose Us
Why Choose Total Finance ?
In the complex world of institutional finance, experience, relationships, and execution capability matter. Total Finance brings a unique combination of deep banking expertise, extensive network access, and unwavering commitment to client success. Our track record speaks to our ability to deliver results even in the most challenging scenarios.
What sets us apart is our consultative approach and genuine partnership mentality. We don't just process transactions—we invest time in understanding your business, anticipating challenges, and developing solutions that create lasting value. Our clients benefit from our institutional knowledge, regulatory expertise, and the trust we've built with leading financial institutions across the country.
Extensive Multi-Bank Network
Access to government, private, and cooperative banks nationwide, ensuring competitive terms and optimal banking partner selection for your specific requirements. Our relationships span decades and include decision-makers at the highest levels.
Specialized Bank Expertise
Deep expertise across government, private sector, and scheduled cooperative banking systems, with nuanced understanding of each institution's requirements, processes, and approval frameworks. We speak the language of banks and navigate their systems efficiently.
End-to-End Execution Support
Comprehensive support from initial structuring through final issuance and beyond, with dedicated project management ensuring timely delivery and seamless coordination across all stakeholders. We own the process so you can focus on your business.
Confidentiality & Compliance
Strict adherence to confidentiality protocols and regulatory compliance standards, with robust internal controls and documented procedures that protect your interests and ensure full legal compliance in every transaction we handle.
Customized Financial Solutions
Tailored solutions designed specifically for your unique business context, risk profile, and strategic objectives. We don't believe in one-size-fits-all approaches—every client receives a bespoke solution optimized for their specific situation and goals.
Dedicated Advisory Support
Ongoing strategic advisory and relationship management support that extends well beyond transaction closure. Our team remains available to address questions, facilitate future needs, and serve as your trusted financial partner for the long term.
Who We Serve
Total Finance serves a diverse portfolio of institutional clients across multiple sectors of the economy. Our solutions are designed to meet the sophisticated needs of organizations that require bank-backed financial instruments, trade finance facilitation, and specialized advisory services. From large-scale government contractors to international trading firms, we bring the expertise and execution capability to support your financial objectives.
Government Contractors & EPC Firms
Engineering, procurement, and construction companies executing government tenders and large-scale infrastructure projects requiring performance guarantees, advance payment guarantees, and other bank instruments essential for bid participation and project execution.
Importers & Exporters
International trading companies and businesses engaged in cross-border commerce requiring letter of credit facilitation, trade finance structuring, and payment guarantee arrangements to secure transactions and manage counterparty risks effectively.
Banks & NBFCs
Financial institutions seeking specialized advisory services for distressed asset management, portfolio resolution strategies, and inter-bank guarantee coordination. We serve as a trusted partner for banks navigating complex financial restructuring scenarios.
Corporates & Trading Firms
Large corporations and trading houses requiring sophisticated financial structuring, credit enhancement solutions, and banking relationship optimization to support working capital management, expansion initiatives, and strategic growth objectives.
Investors & Asset Buyers
Investment firms and asset reconstruction companies seeking advisory support for distressed asset acquisition, due diligence coordination, and resolution strategy development. We provide the expertise and banking relationships essential for successful asset transactions.
Professional Service Firms
Consulting firms, legal practices, and other professional service organizations requiring financial instruments for large client engagements, regulatory compliance, or business development initiatives. We understand the unique needs of professional services firms.
Service Overview
Service Snapshot
Our comprehensive service portfolio addresses the full spectrum of institutional financial needs. The following table provides a quick reference guide to our core service areas, target client segments, and key deliverables. Each service line is supported by our extensive banking network, regulatory expertise, and commitment to execution excellence.
Each engagement is customized to meet specific client requirements, regulatory considerations, and strategic objectives. Our team works collaboratively with your organization to ensure seamless delivery and optimal outcomes aligned with your business goals.
Our Institutional Advantage
Proven Track Record
Total Finance has successfully facilitated hundreds of transactions across diverse industries and transaction types over the past five years. Our success rate reflects our deep understanding of banking processes, regulatory requirements, and the nuanced needs of institutional clients.
We have structured bank guarantees exceeding ₹500 crores in aggregate value, facilitated international letters of credit for major trading houses, and provided distressed asset advisory services to leading financial institutions. Our portfolio spans government infrastructure projects, international commodity trading, manufacturing sector guarantees, and complex financial restructuring mandates.
What distinguishes us is not just the volume of transactions we handle, but the complexity we successfully navigate. We specialize in challenging scenarios where standard solutions don't apply—situations requiring creative structuring, multiple bank coordination, and sophisticated risk mitigation approaches.
Need Bank-Backed Financial Solutions?
Whether you're a government contractor seeking performance guarantees, an importer requiring letter of credit facilitation, or a financial institution managing distressed assets, Total Finance brings the expertise, network, and execution capability to deliver results. Our team is ready to understand your unique requirements and develop customized solutions that meet your specific needs.
Partner with a firm that understands the complexities of institutional finance and has the proven track record to execute successfully. Schedule a confidential consultation with our team to discuss how we can support your financial objectives with bank-backed solutions tailored to your business.
Head Office
Total Finance Solutions
Office No 126, Satyam Industrial Estate, Behind SNDT Metro station, Erandwane, Pune 411004
Mobile No +91 9890817339