We facilitate Fund-based and non-fund based Working capital credit facilities, Term loans and other such loans. Gist about these credit facilities are given below. Please contact us for further details.

Fund-based Working capital facilities

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Cash Credit (CC) / Overdraft (OD)

To meet working capital requirements of the company, we can facilitate with the bank to provide CC/OD limit against the hypothecation of Stock and Debtors.

OD is a tool to aid cash-flow by a bank providing a reserve of easily accessible money to meet any shortfall in working capital.

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Export Packing Credit / Pre-shipment credit

This facility is available against export orders and is available in INR and Foreign currencies. It helps in procurements to fulfil your export commitment.

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Export Packing Credit / Pre-shipment credit

This facility is available against export orders and is available in INR and Foreign currencies. It helps in procurements to fulfil your export commitment.

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Buyers’ Credit

We facilitate Importers with credit facility in foreign currency against the imports based on the Letter of Comfort/ Letter of Undertaking (LOU) issued by the Importer’s bank. Such credit is provided for importing raw material or capital goods (Capex) or both.

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Others

We also facilitate other fund-based working capital finance arrangements like, Working Capital Demand Loan (WCDL), Bill Discounting, Dealer Finance (Supplier’s Credit) and others.

Non-fund based Working capital facilities

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Letter of Credit (LC)

For import / purchase of materials, we facilitate business enterprises to avail LC against minimal margin. LC could be at sight LC or usance LC depending on requirement and nature of transaction.

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Bank Guarantee (BG)

We can help our customers, avail BG limits in the form of Advance money guarantee, Performance bank guarantee and others.

Term Loan

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Term Loans (in INR)

We facilitate our customers to avail Term loans for setup and expansion purposes and/or purchase of machinery, office premises and other fixed assets. Such loans’ repayment tenure generally ranges from 3 years to 8 years.

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External Commercial Borrowing (ECB)

We facilitate our customers to avail ECB which is an instrument to access funding from lenders outside India. These ECBs are regulated by RBI for aspects of Tenure, Rate, End-use, etc.

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Equipment Finance

For purchasing equipments / machineries, we facilitate obtaining finance against hypothecation of those equipments.

Retail Loans

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Property Purchase Loans

For the purchase of residential and commercial properties like House, Office, Warehouse, etc. we facilitate our customers to avail ‘Property purchase loans’ where the repayment tenure ranges from 10 years to 20 years.

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Mortgage Loans

We facilitate our customers to avail loan against existing land, residential and commercial properties, where the repayment tenure ranges from 7 years to 15 years.

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Loan Against Shares

We facilitate our customers to avail loan against listed securities (equity, debentures, mutual funds).

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Unsecured Loans

For meeting short-term capital requirements, unsecured loans can be arranged for business enterprises, where the repayment tenure ranges from 12 months to 36 months.