Cash Credit / Over Draft.

Working Capital is basically an indicator of the short-term financial position of an organization and is also a measure of its overall efficiency. Working Capital is obtained by subtracting the current liabilities from the current assets.

Collateral free loans for your business.

A Business loan is a debt-based funding arrangement between a business and a financial institution such as a bank. It is typically used to fund major capital expenditures and/or cover operational costs that the Business may otherwise be unable to afford.

Loan Against Property (LAP) / Mortgage Loan / Term Loan
 

A loan against property is a boon for both business owners and salaried employees. Self-employed who are seeking funds for expansion of their business can make use of this facility. Salaried professionals facing a sudden medical crisis that may require long-term treatment, including expensive surgery, or sending children to a foreign university for higher studies can avail the facility for raising funds. A LAP not only leaves one’s savings intact, but it also comes at low-cost EMIs with repayment tenures of as long as 15 to 20 years. The low interest rates on such loans dilute the repayment burden.

A loan against property (LAP) is a secured loan that banks, housing finance companies and NBFCs provide against residential or commercial property. These loans are usually offered at a lower interest rate as compared to a personal loan or business loan and are disbursed at a reasonable time. Anyone with a pre-owned property can avail of such loans, whether they are salaried or self-employed in a business or professional setup. The quantum of loan sanctioned is also higher than what may be offered in other available options.

Project Financing is a long-term, zero or limited recourse financing solution that is available to a borrower against the rights, assets, and interests related to the concerned project.

If you are planning to start an industrial, infrastructure, or public services project and need funds for the same, Project Financing might be the answer that you are looking for.

Invoice discounting is an invoice finance facility when a company's unpaid invoices are used as collateral for a loan. Invoice discounting companies enable businesses to leverage the value of their sales ledger.

With an invoice discounting company, when sending out invoices to customers a proportion of the total amount becomes available from the lender, which provides your business with a source of working capital throughout the month while you wait for the payment of your invoice to be processed.

The benefit of invoice discounting is you maintain responsibility for your sales ledger as well as your payment chasing and invoice processing. The main difference between this method and invoice factoring is that your customer is not aware that you have taken on cashflow finance. If you prefer to keep the financial arrangement confidential from your customers then invoice discounting may be the right product for you.

You no longer have to wait up to 120 days to receive payment for your goods and services, and you remain in charge of your own credit control processes, meaning that you continue to chase late payments and therefore your customers are not made aware of our involvement.

Post Shipment Finance For Exporters. 100% Collateral Free Facility for export invoice Financing. Exporters in International can avail export Finance From fund house, 100% collateral free Get paid up to 80% of the invoice value upfront for all your exports. NO more waiting 60 to 90 days for our capital. Outsource Credit Risk Management. We arrange the credit limit within 3 / 4 working days.

LC Discount facility for Domestic & International Business

Letter of Credit discounting is a primary method of financing in international trade and is also known as documentary credit. Fundamentally, it is a guarantee provided by a financial institution to pay sellers on behalf of buyers in case of default on their part. Letter of Credit discounting serves as financial security for businesses involved in either export or import or both. 

LC discounting is considered to be a typical funding option as financial institutions follow a mandatory verification process to confirm the authenticity of both parties. Also, the chance of manipulating the discounting rate is minimal as only the prevailing rates apply to a Letter of Credit.

Private equity is an alternative investment class and consists of capital that is not listed on a public exchange. Private equity is composed of funds and investors that directly invest in private companies or engage in buyouts of public companies, resulting in the delisting of public equity. Institutional and retail investors provide the capital for private equity, and the capital can be utilized to fund new technology, make acquisitions, expand working capital, and bolster and solidify a balance sheet.

Large orders are fantastic. Unfortunately, the quick turnaround on the purchases required to fulfil them can add immense cash flow pressure.

Access the funds tied up in your supply chain with our Trade Finance and Supply Chain Accelerate solutions. They help to release the capital you need to grow your raw materials trading or processing business.

Raw Material Financing is the working capital loan that is given to address the need for raw materials for a project. It can be used to purchase raw materials or manage day-to-day business expenses according to the requirements.

Home Loan for buying a new property, or Balance Transfer on your existing loan, Reconstruction of Property.

To avail loan for purchasing a new home, renovation of an existing home, built home on own plot, purchase a plot, Extent current home.

Own a home is the dream of everyone and this dream loan knows as a Home loan. Home loan is always valuable because of its long tenure repayment, cheap interest rate, and high loan amount, interest deduction in income tax, no prepayment charges and many more big benefits. A home loan is availed to own new dream home.

Home loans are offered for small tenure to long tenure. You can avail it by your financial capacity and your age limit for 5 years to 30 years. You can also restructure your home loan by doing part payment or extra payment. Both two option are always open for your loan firstly to reconstruct you loan tenor or secondly reconstruct your EMI.

Rent Discount on your property

Lease Rental Discounting is a term loan that is offered against rental receipts and is availed by tenants against leased contracts. This advance provided to the lessee is based on the discounted market price of rentals and the underlying value of the property.

Lease rentals are considered to be the bills that are owed by other corporations to the lessor. These amounts are considered to be payments that will be received in the future. Hence, banks deduct the time value of money from these payments and pay the balance to the lessor if lease rental discounting is availed.

Loan for purchase of New or Used Commercial Vehicle, 

Refinance of Owned Commercial Vehicles.

Commercial vehicle loans are loans offered to borrowers, usually self-employed individuals, trusts, partnership firms, organisations, etc., for the purchase of vehicles for commercial or business purposes. These Car loans are availed by those who are involved in the transportation business.

Purchase of New or Used Construction Equipment,

Refinance of Owned Equipment

One particular loan of note is the Construction Equipment Loan for the requirements of the construction equipment and material handling space. ... Moreover, the loan covers existing construction equipment owners, mine owners, contractors, builders, port owners, and others operating construction machinery.

Personal loans for personal use (only for Salaried)

A personal loan is a loan that does not require collateral or security and is offered with minimal documentation. You can use the funds from this loan for any legitimate financial need. Like any other loan, you must repay it accordance to the agreed terms with the bank.