Debt Funding Solutions we offer
The Fine art of Financial strategy
Debt Syndication
Debt Syndication involves arranging large funding requirements through multiple lenders when a single financial institution cannot provide full funding.
Services Include:
- Structuring funding arrangements
- Negotiating terms with multiple lenders
- Documentation and transaction management
- Consortium and multiple banking arrangements
Ideal For:
- Large infrastructure projects
- Corporate expansion funding
- Capital-intensive industries
Secured Working Capital
Secured working capital facilities are extended against tangible collateral such as property, stock, receivables, or fixed assets.
Features:
- Higher loan eligibility
- Lower interest rates
- Extended repayment tenures
- Flexible utilization for operational needs
Machinery / Equipment Finance
Machinery and Equipment Finance supports businesses in purchasing or upgrading industrial equipment and machinery.
Coverage Includes:
- Manufacturing machinery
- Medical and diagnostic equipment
- Construction equipment
- Commercial vehicles and industrial tools
Benefits:
- High funding eligibility
- Structured repayment aligned with business cash flows
- Tax benefits on equipment financing
Builder / Construction Finance
Construction finance supports real estate developers and builders in funding residential, commercial, or mixed-use development projects.
Financing Covers:
- Land acquisition
- Project development
- Construction funding
- Working capital for project execution
Advantages:
- Structured disbursement linked to project milestones
- Flexible repayment schedules
- Supports project completion timelines
Lease Rental Discounting (LRD)
Lease Rental Discounting allows property owners to raise funds against future rental income from leased commercial or residential properties.
Key Features:
- Loan based on assured rental income
- Long repayment tenure matching lease period
- Competitive interest rates
- Ideal for investors with leased properties
Loan Against Property (MHADA / Paghadi / SRA Eligible)
Loan Against Property enables individuals and businesses to raise funds by mortgaging residential, commercial, or specialized property structures including MHADA, Paghadi, and SRA properties.
Uses:
- Business expansion
- Debt consolidation
- Working capital
- Personal or business financial requirements
Benefits:
- Higher loan amounts
- Lower interest rates compared to unsecured loans
- Flexible repayment tenure
Loan Against Securities
Loan Against Securities allows borrowers to leverage financial investments such as shares, mutual funds, bonds, or insurance policies to obtain funding without liquidating investments.
Advantages:
- Quick loan processing
- Continue earning returns on investments
- Lower interest rates
- Flexible repayment options
Business Loan / Overdraft (OD)
Business Loans and Overdraft Facilities are designed to provide flexible financing solutions that support daily operational and growth requirements.
Business Loan:
A lump sum funding facility used for business expansion, inventory purchase, marketing, or operational requirements.
Overdraft Facility:
Allows businesses to withdraw funds as per requirement against an approved limit and pay interest only on utilized amount.
Key Benefits:
- Quick processing and disbursal
- Flexible repayment tenure
- Minimum documentation
- Enhances liquidity management
Ideal for managing short-term financial gaps.
Working Capital Finance
Working capital finance ensures smooth functioning of daily business operations by covering short-term operational expenses such as raw materials, salaries, inventory, and receivables.
Facilities Include:
- Cash Credit Limits
- Overdraft Facilities
- Bill Discounting
- Trade Payable Financing
Advantages:
- Maintains uninterrupted business operations
- Improves vendor and supplier payment cycles
- Strengthens cash flow management
- Supports seasonal or cyclical business requirements
Invoice Discounting
Invoice Discounting allows businesses to unlock funds blocked in unpaid invoices by converting receivables into immediate working capital.
Key Highlights:
- Immediate liquidity without waiting for payment cycles
- Improves cash flow and operational efficiency
- Suitable for B2B companies with longer receivable cycles
- Available through banks, NBFCs, and fintech platforms
Ideal For:
- Manufacturing companies
- Traders and distributors
- Service providers with delayed payment cycles
Trade Finance
Trade Finance supports domestic and international trade transactions by minimizing risks and improving cash flow.
Solutions Include:
- Letter of Credit (LC)
- Bank Guarantee
- Import and Export Financing
- Buyers and Suppliers Credit
- Packing Credit
Benefits:
- Enhances credibility with suppliers and buyers
- Reduces payment risks in cross-border transactions
- Provides structured import-export funding
Structured Debt Solutions
Structured debt involves customized financial solutions tailored to complex funding requirements, especially for mid-sized and large enterprises.
Structured Funding Includes:
- Mezzanine Financing
- Convertible Debt Instruments
- Hybrid Debt Structures
- Special Situation Funding
Benefits:
- Customized repayment structures
- Supports mergers, acquisitions, and expansion
- Enhances capital structure optimization
Professional Loans
Professional Loans are specially designed financing solutions for self-employed professionals such as doctors, chartered accountants, architects, consultants, and medical practitioners.
Key Uses:
- Clinic or office setup
- Purchase of specialized equipment
- Business expansion
- Infrastructure development
Advantages:
- Collateral-free financing
- Attractive interest rates
- Customized repayment structures
CGTMSE Loans (Up to ₹10 Crore)
The Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE) scheme is a government-backed initiative designed to empower MSMEs by providing collateral-free business loans.
CGTMSE loans help entrepreneurs and growing businesses secure funding without mortgaging assets, making them one of the most accessible financing options for small and medium enterprises.
Key Features:
- Loan amount up to ₹5 Crore (subject to eligibility and lender norms)
- No collateral or third-party guarantee required
- Government-backed credit guarantee protection
- Suitable for startups, MSMEs, manufacturers, traders, and service providers
- Competitive interest rates and flexible repayment options
Ideal For:
- New business setup and expansion
- Purchase of plant, machinery, or equipment
- Working capital and operational funding
- Businesses lacking sufficient collateral security
Our team assists clients in structuring applications, preparing financial projections, and liaising with banks and NBFCs to ensure seamless approval.
Warehouse & Project Finance
Financing Structure:
- Goods stored in approved warehouse
- Warehouse receipt issued
- Finance against warehouse receipt (up to 75-80%)
- Release of goods on repayment
Eligible Commodities:
- Agricultural products (wheat, rice, pulses)
- Metals (steel, copper, aluminum)
- Chemicals
- Petroleum products
- FMCG inventory
- Pharmaceutical stocks
Key Features:
- Stock audit and verification
- Insurance coverage
- Third-party warehousing
- Quality monitoring
Benefits:
- Monetize inventory
- Reduce storage costs
- Hedge against price fluctuations
- Seasonal working capital support