Dulcet Holding
Dulcet HoldingInvestment Banking
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UnsecuredStructuredFinance

Unsecured Investment & Structured Finance Products

Innovative unsecured lending and structured finance — co-lending programs, pass-through certificates, Mezzanine debt and structured investment products with AI-driven risk pricing.

Overview

Dul-fin's Structured Finance division designs and distributes innovative credit products that go beyond conventional lending. Our co-lending platform connects banks and NBFCs for joint origination with risk-sharing agreements — AI matches co-lending partners based on risk appetite, sector exposure and capital adequacy. We structure pass-through certificate (PTS) issuances backed by receivable pools, arrange Mezzanine debt for growth-stage enterprises, and create custom structured investment products for institutional investors. All structures are Basel III compliant with AI-driven risk pricing, real-time pool monitoring and automated waterfall distribution. Our AI models stress-test every structure against 50,000+ market scenarios before issuance — ensuring capital protection and optimal risk-adjusted returns.

15+

Products

8 Banks

Co-Lenders

100%

Basel III

50K+

Stress Tests

Key Features

Co-Lending Platform

Bank-NBFC joint origination with AI-matched risk-sharing — 8 bank partners, automated revenue split and waterfall.

Pass-Through Certificates

PTS issuance backed by receivable pools — AI selects optimal pool composition, tranche sizing and credit enhancement.

Mezzanine Debt

Subordinated debt for growth-stage enterprises — AI-priced risk premium, equity kickers, convertible structures.

Structured Investment Products

Custom credit products for institutional investors — risk tranching, AI yield optimisation, daily NAV.

AI Risk Pricing

50,000+ scenario stress testing, Monte Carlo simulation, real-time risk-adjusted return optimisation.

Basel III Compliant

Full regulatory compliance — capital adequacy, leverage ratio, liquidity coverage, net stable funding ratio.

Real-Time Pool Monitoring

Live monitoring of underlying assets — payment tracking, default detection, concentration alerts, pool health scoring.

Automated Waterfall

Smart-contract-like automated distribution — priority of payments, excess spread, reserve account replenishment.

Secondary Market

Digital secondary trading platform for structured products — price discovery, liquidity, blockchain audit trail.

Ready to get started?

Apply with AI-powered pre-fill — our intelligence agent auto-completes your application across MCA, GSTN and CIBIL.

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