Funding vertical both Debt and Equity – project based assistance and /or regular assistance for renewal, enhancement, CMA, and stock audit etc. ( special focus on debt from Banks, NBFC and SIDBI, CGTSME scheme)

Biggest challenge faced by SME clients is getting requisite finance both Debt and Equity on best terms since they are not equipped themselves and normally professionals fail to analyze the problems and provide best solution.

Our Strategy

• Understanding the requirement of client for finance requirement for existing as well as expansion /diversification of project or services
• Preparation of Business Plan for Debt and /or Equity
• Meeting and communicating with Bank or PE Funds and hand holding throughout the process till closing of the transaction.
• Bank facilities management , Regular liasoining with bank & stock auditors and Optimum utilization of limits – Cash credit (OD / Packing Credit), Letter of Credit, Letter of Guarantee, Term Loan
• Interest control and reducing cost of funds
• Foreign exchange matters
• AR and AP management
• Ageing analysis
• Inventory management

DEBT VERTICAL:

HOME LOAN

LOAN AGAINST PROPERTY

BUSINESS LOAN

PROJECT LOAN

WORKING CAPITAL LIMITS (BOTH FUND BASED AND NON FUND BASED)

IMPORT AND EXPORT FINANCE

BILL DISCOUNTING

Exploring Possibilities in Getting Cheaper Foreign Funding

RBI has permitted foreign funding on deferred terms up to 5 years ( 3 years if backed by deferred L/C) on lower interest cost (LIBOR linked) which can be in the form of suppliers credit or Buyers credit. This scheme is very economical if the client has exports since this would provide natural hedging towards exchange fluctuation risk. Country specific Insurance Companies (SERV in Switzerland and SACE in Italy) which provide Insurance Cover to foreign Banks in funding to Machines imported in India.