With the increase in competition, companies are constantly striving to bring down the interest costs/ leverage on existing collaterals and bring down margins (security deposit) on non-fund based facilities (bank guarantee/ LCs).

As we understand the products/schemes of various banks and changes in their credit policies, we are able to provide debt substitution option with improved commercial terms like interest rate, collaterals, extended time periods, etc.

In most cases, it is observed that existing banks do not increase their exposure, even though the loans over a period of time get repaid and collateral to loan ratio increases significantly compared to when the loan was sanctioned.

We ensure that the savings in interest costs (on a long term basis) provides viable alternative by debt substitution, though initial costs ( documentation / processing fee) may offer only marginal advantage in first year.