About Credit Café

Credit Café is the Corporate Debt Advisory arm of the TSM Group of Companies, providing funding and forex advisory for small and mid-size enterprises through its relationship across over 25 banks and non-banking financial institutions.
We understand a company’s financial requirements and structure solutions to do one or more of the following:

  • meet increased fund requirement for working capital and/or capital expansion
  • better leverage the company’s / promoter’s assets
  • reduce financial interest and cost burden
  • consolidate borrowings
  • set a borrowing rhythm based on business operation
  • improve banking services for trade, and fx transactions
  • provide core advisory on credit, FX and operational risks
  • solidify long term relationships with the funding partner
About TSM

T S Mahalingam and Sons, established in 1935 is today, a diversified conglomerate present across pre-owned cars (“TSM Cars”), real estate, personal finance (“RupeeZone”) and corporate finance (“Credit Café”). It employs over 600 people across Chennai, Bangalore, Coimbatore and Hyderabad.

The group partners with over 20 financial institutions to provide loan advisory services for the retail segment and structured finance to its corporate clients. Currently managed by third generation entrepreneurs, TSM is known for the long-lasting relationships it maintains with its clients and has come to stand for trust, integrity and credibility. Credit Café instills these core valuesalong with its other values – a deep understanding of market,deal transparency, and continuous innovation.

Key Management
Mahalingam K, better known as Mali, is the Partner / Managing Director at TSM Group of companies. Mali took over his family business in 1988 after graduating from IIM Calcutta.  TSM today is a well diversified group with interests in Financial Services Distribution, Financial, advisory, Automobiles Sales & Servicing, Real

Estate Development and Real Estate Advisory Services. With an employee base of more than 600 people, TSM group today has presence across South India. 

Mali serves as a key member of several entities in both professional and advisory capacities. He is the Managing Director and Mentor of Credit Cafe.

Pradeep Rathnam is the head of financial services in the TSM group of companies. He is the CEO of RupeeZone, the Consumer Finance division. Pradeep has more than 15 years experience encompassing Consumer finance, Insurance, SME Banking and credit syndication. He had earlier worked in a leading MNC Bank

and was also a founder member of a Life Insurance Company.

Pradeep is responsible for relationship and channel management through his contacts with senior individuals across BFSI.

Srinivas Bala is the Principal Consultant of Credit Cafe. He is an MBA graduate from XLRI Jamshedpur with several years of experience in banking and business lending. In his last stint at a leading MNC bank, he had added a rich asset portfolio to the Chennai, Pondicherry and Coimbatore branches. He leverages TSM

relationships across SME/MME space to enhance the value proposition to its clients.

Srini is the architect of deal making and the face of Credit Cafe to its clientele.