Our practice is committed to helping clients thrive in this rapidly evolving sector by ensuring compliance, mitigating risk, and facilitating strategic growth. Beyond advising on lending and leasing transactions, we assist businesses in navigating the swiftly changing digital lending norms, including norms on data access, consent management, KYC requirements, and default loss guarantees.
We frequently engage with regulators to help shape the legal landscape by providing feedback on draft and existing regulations. Our recommendations are often reflected in regulatory FAQs or incorporated into new laws, underscoring our role in influencing policy development.
INTRODUCTION The gold lending industry in India is experiencing significant growth and is expected to…
BACKGROUND India’s credit sector has seen phenomenal growth in the last few years supported by…
INTRODUCTION The ‘Recommendations of the Working group on Digital Lending – Implementation’ (“Press Release”) issued…
Introduction On December 23rd 2020, the Reserve Bank of India (“RBI”) cautioned potential borrowers about the…
Introduction The Reserve Bank of India (“RBI”) notified an amendment to the Know Your Customer…
Advised one of the largest financial conglomerates in India on digitising their supply chain finance product and assisted in structuring dealer and vendor guarantee construct.
Advised both on the sell side and buy side of over 30 private equity and venture capital investments and over 20 acquisitions of digital lending companies.
Advised some of India’s largest NBFCs and fintech companies on structuring their products and consent mechanism frameworks in compliance with India’s new digital lending guidelines, including structuring FLDG arrangements, ensuring regulatory compliance for various loan service providers, and implementing guardrails to align their processes with the evolving regulatory landscape.
Advised a leading gold lending service provider on the legal compliance of its doorstep gold lending model, ensuring alignment with regulatory requirements. Additionally, structured an innovative brand-based gold lending model, providing strategic guidance on branch infrastructure, security, personnel requirements, disclosures, and outsourcing frameworks.
Advised a leading Indian fintech company specialising in embedded credit solutions on the strategic sale of its intellectual property and code base for its buy-now-pay-later product to a global e-commerce giant.
Advised one of the world’s largest ed-tech unicorns on several fintech partnerships, cross-border financial transactions, and structuring consent journeys, payment flows, and data transfers for offering credit facilities available to its users.
Advised a Singapore-based client engaged in export and import factoring services on their entry into India’s IFSC as a finance company licensed to provide factoring services. We assisted the client in drafting all required client facing documentation for the factoring facilities.
Advised a leading Indian fintech player on structuring a covered bond transaction to raise capital from an overseas investor, involving a senior funded tranche secured by the borrower’s asset pool and a subordinated tranche – along with cash collateral – raised through distinct debt instruments.
Assisted a Singapore-based trade finance company in structuring a Shariah-compliant Wakalah financing arrangement, featuring a pass-through structure that ensured specified returns to the investor while incorporating mechanisms for downside protection and upside participation.
This website is owned and operated by Spice Route Legal, and is exclusively meant to be a source of information on the firm, it’s practice areas, and its members.
It is not intended and should not be construed as any form of advertisement, solicitation, invitation or inducement of any sort from the firm or its members.
Spice Route Legal does not warrant that any information provided on the website is accurate, complete or updated, and further denies liability for any and all loss or damage caused to the user as a result of their reliance on the content provided.
The information made available on this site must in no way be relied upon, or construed, as legal advice. If you need legal assistance, we recommend you seek help from competent counsel licensed to practice and advise in the relevant jurisdiction.
