We enable companies to access funds from financial Institutions in the form of:

• Working Capital – Cash Credit and Overdraft facilties

Working capital assessment is our expertise. It varies from industry to industry with different operating cycles. Right measure of working capital required is critical to address the cash flow requirements of a company. We assess business cash flows, order book, business receipts, payment cycles, business income and expense cycles and other business factors that may be dynamic but critical to capture the typical working capital requirement of a client. No two businesses will have the same working capital requirements, so ensuring customized solutions is vital.

We also advise clients to opt for Overdraft facility where submission of monthly stock statements/ level of receivables is a challenge from the perspective of sustained eligibility of drawing power. However, in such cases, banks insist on atleast higher level of collateral.

• Stressed Asset Funding – Cash Credit and Overdraft facilties

Structured Debt : Company has expertise in resolution of stressed assets and arranging funds for OTS/ Working Capital/ Capital expenditure ( Rs.150 Cr and above) from international Special Situation Funds. Depending the long term sustained viability and security available, the debt is arranged.

• Project Finance - Term Loans

Assessing the funding required for a new project is indeed complex. A project underfinanced will most likely fail and conversely a project overfinanced will adversely impact viability (cost of project is in direct co-relation to long term sustained viability in the face of global competition).

We assist companies to prepare the project report to holistically capture the various risk associated with a new project (technology, size of operations, profit margins, sensitivity, leveraging, management expertise, etc) and advise companies to address these risks appropriately.

With the scope of growth in the economy and demand in the industrial sector being addressed by private players, more and more companies are requiring project finance or term loan for expansion. We advise and arrange project finance, term loans and other long-term credit solutions for new and existing projects across sectors.

• External Commercial Borrowings (ECB)

We advise and arrange LIBOR-linked foreign currency loans from overseas lenders in the form of ECBs. These types of loans are more suitable for companies which earn revenues in foreign exchange and have a natural hedge against fluctuations in currency.

• Equipment Finance

Certain institutions have developed expertise in offering equipment finance or machinery loans for purchase and upgrading equipment easily. Generally each of these institutions focus on few types of equipment, since they understand certain sectors very well, having a large client portfolio and strong networks with equipment manufacturers. Advantage of equipment finance versus a regular term loan is that these lenders offer quick turnaround times and provide loans at lower margins and collaterals.

• Leasing

Operating leases are considered a form of off-balance-sheet financing—meaning a leased asset and associated liabilities (i.e. future rent payments) are not included on a company's balance sheet. This enables companies to keep large sums of assets and liabilities from being recorded on the balance sheets, thereby keeping the debt-to-equity ratios in check.

• Factoring

Factoring is the sale of company’s accounts receivable to a buyer (or factor), that lets the company access cash on the strength of it’s customer credit. Many companies need additional cash flows to support seasonal demands, growth, and more and can access factoring services.

• Real Estate Structured Loan

Real Estate is one of the most active sector in terms of fund raising and depending on the strength of the developer’s balance sheet and projects at hand, specific products can be structured to suit the specific needs/cash flow requirements of the borrower.

• Loan against NA Land/ Industrial land with clear title

We can arrange for loan against NA Land with clear title from a NBFC

• Lease rental discounting (LRD)/ Loan against Property (LAP)- Rs.10 Cr and above)

We can arrange these facilities at very attractive terms and Banks/ NBFCs with repayment period of 1 years and 12 years in case LRD.