Services
We understand the needs of the clients and provides one-stop financial advisory by offering bouquet of financial services including debt funding, structured finance, retail finance, wealth management and other corporate financial management services
WORKING CAPITAL LOAN
CHANNEL FINANCING
LOAN AGAINST PROPERTY
UNSECURED BUSINESS LOAN
SME LOAN
HOME LOAN.
Types Of Loan
Export Factoring is one of the fastest and easiest ways to secure working capital if you want to grow your exports business without going through the hassle of securing a loan from a bank. It is collateral free loan. It is a financial arrangement that helps businesses involved in foreign trade improve their cash flow and manage international trade risks. Export factoring is not borrowing, no loan is created, no debt is created and you don’t owe money to anyone as a result of factoring your invoices. Factoring transactions do not increase liabilities on your balance sheet. All you do is sell invoices you already own. And there are no restrictions or limitations on how you use the funds you receive from the factor.
Risk Mitigation
Export Factoring helps mitigate the risk of non-payment by foreign buyers. Financial Institution often assume the credit risk associated with the buyers, providing exporters with protection against potential losses.
Import factoring is a service that allows importers to buy goods from foreign suppliers on credit without requiring letters of credit or bank guarantees. Importer import the goods and financer will make the payment to overseas supplier. On due date importer will make payment to financer.
BOJECTIVE
Availability of Bank Credit without Collateral Security / Third Party Guarantees to MSE units
CGTMSE LIMIT
UP TO Rs.5.00 CRORE
TYPES OF CREDIT FACILITY ELIGIBLE
Term Loan, Working Capital (Fund Based and Non Fund Based)
ELIGIBLE SECTOR
Manufacturing, Trading and Service Sector.
PURPOSE
For new unit, Expansion of existing unit.
Term loans are a common financial solution sought by businesses aiming to acquire funds for various purposes such as purchasing Machinery, expansion of existing facilities, or securing other fixed assets crucial for their operations. These loans are tailor made to suit the various financial needs of businesses. A term loan is a type of loan where a fixed amount of money is borrowed from financial institution for a specific period, typically ranging from one to ten years. The borrower repay the loan in regular instalments over agreed period, which may include both principal and interest.
Channel financing is an innovative business finance facility that supports the working capital requirements of different channel partners, including buyers, distributors, and dealers. Channel finance ensures the immediate realisation of sale proceeds for the supplier, making it practically a cash sale. On the other hand, the purchaser gets credit for agreed term. For instance, if you are a supplier, you first raise an invoice when providing products or services and send a copy to the financial institution. Once the buyer accepts the invoice, you get funds in exchange. Later, the financial institution recovers this money from the buyer after the invoice maturity.
A working capital loan is a short term loan that is taken to finance a company’s day- to-day business operations and enhance business cash flow. These are short-term business loan to meet urgent requirements such as payment of employees wages, Rent, payment to creditors etc.
A loan against property (LAP) is a secured loan that allows borrowers to use their property as collateral to get money from a financial institution. The property can be a Residential, open land, or commercial property. The amount of the loan is based on the property’s market value. This is a secured loan so Cheaper Rate of interest, EMI is lower and longer tenure.
Risk Mitigation
Export Factoring helps mitigate the risk of non-payment by foreign buyers. Financial Institution often assume the credit risk associated with the buyers, providing exporters with protection against potential losses.
An unsecured business loan is a loan for business purposes that doesn’t require collateral security. Instead, the loan is based on the borrower’s creditworthiness, which is determined by factors like their personal and business credit history, as well as the health of their business. This is an unsecured loan so higher rate of interest and shorter repayment terms.
MSME loans, or Micro, Small and Medium Enterprise loans, are loans given to small-scale businesses or start-ups to help them establish or expand their business. These loans can be used for a variety of purposes, establishing new project, supporting expansion, maintaining working capital, bridging cash flow gaps, purchasing new inventory etc.
Home loan is a secured loan that is obtained from financial institutions to purchase a new or resale residential property, construct a home or renovate an existing home. Home loans offer high value funding at economical interest rates and for long tenures. They are paid though EMIs. After repayment, the property’s title is transferred back to borrower.
Types Of Subsidies
Special Credit Linked Capital Subsidy Scheme (SCLCSS) was introduced under National SC-ST Hub (NSSH) scheme in 2017 with an objective to promote new enterprises and support the existing enterprises in their expansion for enhanced participation of SC/ST entrepreneurs in the public procurement. The guidelines and Standard Operating Procedure (SOP) are available at https://www.scsthub.in/content/special-credit-linked-capital-subsidy-scheme
A capital subsidy is a direct financial grant from the central and state government to help businesses. We conduct complete process for subsidy application as well as Subsidy consulting at competitive terms and condition. Our team undertake all documentation & filing work and assures Government funding to the Manufacturing Unit with utmost Promise and Confidence.
Interest subsidy is a re imbursement of interest paid on Term loan. This subsidy is given by various state government and central government. If you are seeking financial assistance and guidance in Interest subsidies, we are the trustworthy financial guide for you to cater to your exact needs.