Working Capital:-
Working capital is a financial metric which represents operating liquidity available to a business or organization. Along with fixed assets such as plant and equipment, working capital is considered a part of operating capital. The goal of working capital management is to ensure that the firm is able to continue its operations and that it has sufficient cash flow to satisfy both maturing short-term debt and upcoming operational expenses.
We deploy a global operations model, with highly-qualified team of Chartered accountants and Financial analysts who work around the clock, enabling our customers to meet their obligations and mitigate risk while retaining full oversight and control. Our innovative solutions help our Customer in making their business more streamlined and more efficient. We offer different kinds of working capital finance solutions including working capital loans to our our Customers depending upon the requirement.
• Cash Credit limit/Overdraft facility to meet your everyday requirements
• Working capital limits to meet your export requirement. Export Credit for providing Pre and Post-Shipment finance to exporters
• Working capital limits in form of non fund based facilities – Letters of Credit and Buyers Credit to ensure timely delivery of goods
• Various types of Bank Guarantees to meet performance and financial obligations
• Bill Discounting allows the borrower short term funds against the bill or invoice discounted which have to be repaid to the bank on the due date of the bill.
• A Term loan is one where money is made available for a fixed duration, usually anywhere between 1 year to 10 years.
Loan Against Property (LAP):-
Loan against property (LAP) is a secured loan that is given by mortgaging a self-owned property (residential,commercial, industrial, Plot of Land, School, Hospital) with the lender.You can easily avail a loan against property and acquire funding for your prospective business, you need to have a self-owned property with a clear and marketable title. Such a loan can be utilised in meeting business requirements such as the expansion of business, Capital Infusion into the existing business to ensure growth, maintain steady cash flow, or even meet short term or emergency business needs. LAP is designed to meet such requirements of small businesses and remains one of the critical sources of financing for businesses. You do not need to sell your property; it will be used as collateral by Banks to offer you the required loan amount. Loan Against Property is one of the effective ways to raise money. We assist our client in getting a high loan amount, lower interest rate and a flexible loan tenure.
Property Purchase Loan:-
This loan offers finances to an individual who wants to purchase a Commercial/Industrial property to expand their office or business. This loan can be availed if you are looking to own an office space for your business. This loan can be taken to not only renovate or purchase an existing office property but also to construct one as per your requirements. Whether it is buying space for your first office or for subsequent branches or simply to invest in commercial real estate for rental income, Commercial Property loans are the answer.
Commercial Property Loans may be availed for:
• Purchasing a property within an under-construction commercial development.
• Purchasing a ready commercial property from its builder or its current owner.
• Purchasing a plot in a private development OR from a current owner Or a government development authority.
• Financing the construction of commercial building on a plot you already own
• Purchasing a Plot as well as financing the construction of your commercial property.
Unsecured Business Loan:-
Every business enterprise requires financial help at some point. The majority of the Micro, Small, and Medium Enterprises (MSME) generally need financial assistance when they are growing horizontally or vertically. This requirement can be for raw material purchase, infrastructure development, or fulfilling operating expenses. An unsecured business loan is a One Stop Solution since it doesn’t require any type of collateral. Unsecured business loans are a great funding option for MSME’S that don’t own many assets, or for any company that’s growing fast and needs finance quickly.
Benefits:
• Hassle-free application process.
• Free Hand Funds.
• Non Monitored.
• Loan disbursal within 10 Days.
• Repayment tenure ranging from 12 months to 60 months.
Equipment Finance:-
Equipment financing is a type of small-business loan designed specifically for the purchase of machinery and equipment essential to running your business. Equipment Loans help you buy new or used machinery without collaterals in an easy and simple way. With equipment financing, the loan amount you qualify for depends on the value of the equipment you are purchasing. The equipment also serves as collateral for the loan, so the lender can seize it if you fail to repay the loan. A good Loan to Value of 70 to 80% of the equipment value – enjoy lower interest rates and easier accessibility to your equipment.
SME Listing:-
There is no denying that SMEs play a vital role in the growth of an economy both, as a job creator and a contributor to the national income. This has been recognized by the economies across the globe. Our Strong association with Merchant Bankers help our client in accessing the Equity Capital market. Few Benefits of SME Listing:
1) Accessing the equity markets gives SMEs the much needed capital.
2) An equity infusion also helps them getting further credit from banks and other financial institutions at favourable lending terms.
3) It helps in Increasing Liquidity for SME’s and gives them the headroom to bring in greater innovation in their processes and technologies.
