Unified Capital and Investments

Unified Capital and Investments was founded in 2014 with a singular mission: to bridge the gap between businesses that need capital and the institutions that provide it. Over the past decade, the firm has facilitated funding for over 500 businesses across India, earning its founder Subodh Bajpai the moniker 'India's Funding Guru' from Forbes India. The Indian business funding landscape is notoriously complex. With dozens of government schemes, hundreds of banking products, emerging alternative lending platforms, and a growing PE/VC ecosystem, entrepreneurs often struggle to identify the right funding source for their specific needs. Unified Capital solves this problem by acting as a comprehensive funding advisory that matches businesses with optimal capital sources. The firm's range is extraordinary — from MUDRA loans of INR 50,000 for micro enterprises to structured private equity deals of INR 50 Crore for mid-market companies. This breadth of coverage means that regardless of where a business sits on the growth spectrum, Unified Capital has a funding solution ready. The firm's success is built on deep relationships with lending institutions, intimate knowledge of government scheme requirements, and a proven track record that gives lenders confidence in Unified Capital's referrals.

The firm operates across the complete spectrum of business funding instruments available in the Indian market. Bank loans remain the bread and butter of Indian business funding, and Unified Capital maintains relationships with all major banks including SBI, HDFC, ICICI, Axis, Bank of Baroda, Punjab National Bank, and dozens of regional banks and cooperative institutions. The firm's preparation of loan applications — including business plans, financial projections, and supporting documentation — significantly improves approval rates. Government schemes represent a massive opportunity that most businesses underutilize. The firm specializes in MUDRA loans across all three categories (Shishu up to INR 50,000, Kishore up to INR 5 Lakh, and Tarun up to INR 10 Lakh), CGTMSE-backed collateral-free loans up to INR 5 Crore, Stand-Up India loans for SC/ST and women entrepreneurs, PMEGP loans for new enterprises, and various state-level MSME incentive programmes. The team stays current with scheme modifications, new launches, and application window timelines. For growth-stage companies, the firm facilitates private equity and venture capital introductions. This involves comprehensive preparation of pitch decks, financial models, data rooms, and due diligence documentation. Advocate Bajpai's personal network includes several prominent PE/VC firms, angel investor networks, and family offices, enabling warm introductions that significantly improve funding outcomes.

Perhaps the most distinctive aspect of Unified Capital is its pioneering work in Vulture Fund operations in India. Recognized by Entrepreneur Magazine and Business Today, the firm has introduced sophisticated distressed asset investing strategies to the Indian market. The Vulture Fund acquires non-performing assets (NPAs) from banks and NBFCs at significant discounts, then works to restructure or resolve these assets for profit. This creates value for all stakeholders — banks get NPAs off their books, borrowers get a chance at restructuring, and investors earn attractive returns. The legal expertise of Unified Chambers provides a natural synergy with the Vulture Fund operations, as many distressed assets require legal intervention for resolution. This integrated approach — combining legal recovery with financial restructuring — is unique in the Indian market and has attracted attention from institutional investors both domestically and internationally. The firm also provides advisory services to other investors interested in the distressed asset space, sharing expertise on due diligence methodologies, valuation frameworks, and recovery strategies specific to the Indian market context.

Over a decade of operations, Unified Capital has built an impressive portfolio of success stories. Manufacturing businesses in Delhi-NCR that were struggling with working capital constraints have secured MUDRA and CGTMSE loans within weeks. Technology startups have raised Series A funding with Unified Capital's pitch preparation and investor introductions. Established businesses have restructured their debt through OTS (One-Time Settlement) negotiations facilitated by the firm. The firm's approach emphasizes sustainable funding — matching businesses with capital instruments that align with their cash flow patterns, growth trajectory, and risk profile. This prevents the common problem of businesses taking on inappropriate debt that becomes a burden rather than a catalyst. Unified Capital also provides post-funding advisory, helping businesses manage their capital efficiently, maintain compliance with loan covenants, and plan for subsequent funding rounds. This lifecycle approach to funding advisory ensures that the relationship extends beyond the initial transaction, creating long-term value for clients.

The firm and its founder have received extensive media recognition for their work in democratizing business funding in India. Forbes India profiled Subodh Bajpai as 'The Funding Mogul Empowering Business Needs,' highlighting the firm's role in bridging the credit gap for MSMEs. Moneycontrol included him among the Top 15 Promising Entrepreneurs of 2023. Entrepreneur Magazine, Business Today, India Today, LiveMint, and over 20 other national publications have covered the firm's work. Beyond media recognition, the real impact is measured in businesses saved, jobs created, and economic activity generated. The firm estimates that the businesses it has funded collectively employ over 10,000 people and contribute significantly to India's MSME sector, which accounts for approximately 30% of India's GDP. Looking ahead, Unified Capital is expanding its operations to serve businesses across tier-2 and tier-3 cities, where the credit gap is most acute. The firm is also developing digital tools to streamline the funding application process, making it easier for entrepreneurs to access capital without navigating bureaucratic complexity.

As India targets a USD 5 trillion economy, the demand for business funding advisory services is projected to grow exponentially. Unified Capital is positioning itself at the centre of this growth wave through several strategic initiatives. The firm is building a proprietary technology platform that uses data analytics and machine learning to match businesses with the most suitable funding instruments, reducing turnaround time from weeks to days. Partnerships with fintech companies are being explored to offer digital lending products that complement traditional banking channels. The firm is also expanding its geographical footprint, establishing satellite advisory centres in key tier-2 cities including Jaipur, Lucknow, Ahmedabad, and Pune, where MSME density is high but access to quality funding advisory is limited. International expansion beyond the India-UAE corridor is on the horizon, with plans to facilitate cross-border funding for Indian businesses expanding to Southeast Asia and East Africa. The training arm of Unified Capital conducts regular workshops and masterclasses for aspiring entrepreneurs on topics including business plan preparation, financial modelling, investor communication, and government scheme navigation, democratizing the knowledge that has traditionally been available only to well-connected businesses. The firm's consulting division has also developed sector-specific funding guides that analyse lending patterns, success factors, and common pitfalls for industries including manufacturing, healthcare, food processing, technology services, and retail. These guides, available to clients as part of the advisory engagement, compress years of funding experience into actionable frameworks that significantly improve funding success rates. Unified Capital's vision is nothing less than to ensure that no viable Indian business fails for lack of capital — a mission that aligns perfectly with the government's Make in India and Startup India initiatives.