Wallnut Management Services: Bridging Financial Gap with Bolstering Enterprise Growth

Every thriving enterprise begins not just with an idea but with the fuel that sustains it and that is funding. In India's evolving business environment, the availability of finance has been a defining factor between potential and performance.

In the last ten years, with the growing emphasis of governmental policies on manufacturing, clean energy and start-up innovation, a parallel market in fund and business consulting has emerged.

This industry has become a vital link between ambitious entrepreneurs and the funding they require in order to flourish.

In the face of this increased demand for lucrative financial advice, Wallnut Management Services came into existence in 2012 as a specialist in business funding consultancy.

Founded by a former banker who had worked in major banks including ICICI and Kotak Mahindra, the company had a clear mission that it should make finance accessible to SMEs. In the initial stage, from 2012 to 2015, the company went through the road most start-ups go through: building credibility, establishing networks, and earning client trust.

Yet perseverance and a thorough knowledge of the banking systems formed the basis of a gradual growth in the following years.

Empowering SMEs Through Structured Financial Expertise

Headquartered in Delhi NCR with offices in Kalkaji and Faridabad, the company now serves clients across the region, with expertise that cuts across funding advisory, subsidy facilitation, and long-term financial planning.

Financial consulting is a large field, but Wallnut has established a niche for itself in serving SMEs, a segment that is often overlooked, yet vital to India’s industrial and employment development.

Over the past seven to eight years, the company has built a clientele base of more than 500 businesses, facilitating around ₹1100 crore funding across sectors.

The emphasis on developing organized financial planning with well-developed contacts with banks and government bodies has allowed it to become a trusted name in the field of SME financial management.

Our team works closely with clients to understand their cash flow needs, investment cycles, and long-term plans, offering advisory services that go beyond transactional funding

Puneet Garg, CEO

It is evident that small and medium enterprises have been part of India’s foundation of industrial development. Most of these businesses have great ideas and strong guiding teams but lack structural constraints, such as poor balance sheets, lack of collateral or limited understanding of financial documentation.

To them, negotiating government subsidies or finding banks willing to provide funds at the right time may be a complicated, often discouraging, process.

This is where Wallnut Management Services plays an important role as a partner to SMEs. Instead of just the arrangement of funds, the company offers end-to-end financial planning and business structuring services.

“Our team works closely with clients to understand their cash flow needs, investment cycles, and long-term plans, offering advisory services that go beyond transactional funding”, says Puneet Garg, Promoter & Chief Executive Officer, Wallnut Management Services.

Building Lasting Financial Partnerships

The approach adopted by the company is based on continuity. After onboarding, it maintains a long-term advisory relationship with clients, offering stability in financial planning.

Businesses may need an overdraft limit, a term loan, or non-fund-based facilities such as letters of credit or bank guarantees, the company is directly engaged in all such processes from documentation to compliance.

The goal is simple: to enable business owners to concentrate on the operations while Wallnut Management Services takes care of the financial complexity.

What further differentiates the company is its real-world experience. With a banking system that usually requires collateral and a strict compliance setup, it assists the SMEs to match their financials and documentation to meet the institutional demands.

The extensive banking experience enables the team to find opportunities in the existing policies, particularly where there are government schemes like the Credit Guarantee Fund Trust for Micro and Small Enterprises

(CGTMSE) and the MSME Credit Linked Subsidy schemes. These initiatives, aimed to provide non-collateralized loans, have been made more accessible to small businesses with Wallnut Management Services' intervention and guidance.

Navigating India’s Evolving Subsidy Landscape

The last ten years have witnessed a distinct policy change toward self-reliant development and manufacturing based on innovation. Government programs have been widened since 2014 in several domains, most prominently under the Production Linked Incentive (PLI) scheme aimed at large-scale production.

With these, clean energy programs such as solar energy subsidies and electric vehicle (EV) subsidies have created new markets for sustainable technology and infrastructure.

Puneet mentions, “Wallnut Management Services has experienced this transformation firsthand. Our clients, especially in the solar energy sector, EV manufacturing, and other related sectors have been able to enjoy changing government structures that support innovation and sustainability”.

Also to note, the company’s expertise in navigating these schemes has been instrumental in helping enterprises access capital and incentives effectively.

The other emerging area of interest is the rooftop solar installations where both residential and industrial consumers can now receive direct subsidies and save on long term energy bills. Similarly, MSMEs in states such as Uttar Pradesh, Bihar, and Chhattisgarh are tapping into state-level incentive programs that offer land, power, and stamp duty subsidies to attract new manufacturing units.

Wallnut Management Services assist the clients in understanding these policies, apply for benefits, and integrate subsidies into their financial strategy and capital expenditure system.

Meanwhile, the company’s collaboration with clients is not confined to the funding facilitation only. Its team helps in compliance, documentation and continuous performance monitoring—areas where most businesses fail after initial funding. This way, it guarantees that clients not only secure financial support but also remain aligned with evolving banking and policy requirements.

Building Trust Through Expertise and Partnership

The effectiveness of a financial consulting company is largely determined by its consistency in performance. In Wallnut Management Services, such reliability is a result of its team-oriented model. The company’s workforce is divided into various functions, such as finance, marketing, client servicing, and are strategically located in offices across Delhi NCR .

Furthermore, each client is assigned a specific person who acts as the single touch point, and this aspect ensures continuity and focus.

The client-focused model of the company reflects an after-sales philosophy. The real value lies in ongoing support: directing the clients on the changes in compliance, helping with the renewals, and resolving operational challenges with banks or funding agencies. This holistic strategy solidified client retention and positioned Wallnut Management Services as a long term partner as opposed to a one time advisor.

In addition, the network-based model has enabled the company to engage with various financial institutions, enabling quicker decision-making and better deal structuring. Its understanding of both fund-based and non-fund-based instruments has made it a versatile advisor to SMEs across manufacturing, trading, and service sectors.

Forging New Pathways for India’s Enterprises

As Wallnut Management Services looks toward the future, its mission remains focused on deepening its expertise in working capital and subsidy advisory for SMEs. The company aims to build a stronger brand identity in the financial consulting ecosystem; one that stands synonymous with trust and capability in managing business finance.

Plans are already underway to expand its footprint with a new office in Gurugram, which will serve as a regional hub for client engagement.

Over the next three years, the company aims to facilitate funding of at least Three Thousand Crore plus for its clients, nearly tripling its current portfolio. But beyond numbers, the goal is to strengthen India’s entrepreneurial backbone by making financial access simpler, structured, and sustainable.

For Wallnut Management Services, the vision extends beyond consultancy—it’s about enabling businesses to grow with confidence. “In a country where the right financial guidance can turn potential into progress, Wallnut Management Services continues to bridge the gap between ideas and opportunity”, Puneet concludes.