Client Requirement → Product Framework
Indian promoters and CFOs face specific real-world operational challenges. We map your operational dilemma directly into the right banking credit instruments, repayment structures, and quantitative sizing tools.
Business Working-Capital Requirement
Money needed to run daily business operations
"Money needed to run the business."
Cash is tied up in raw materials, production, and work-in-progress. Operational cash outflows occur daily, but customer collections arrive after weeks or months.
Finance the operating cycle and bridge the gap between purchase → production → sale → receivable → cash.
Eligible Credit Products (9)
Security / StructureReceivables / Cash-Flow Requirement
Sales are booming but client payments are delayed
"Sales are happening but customer payments are delayed."
Goods or services are delivered, invoices are raised, but corporate buyers take 60 to 120 days to settle payments, choking working capital.
Convert future receivables into present liquidity.
Eligible Credit Products (7)
Security / StructureInventory / Purchase Requirement
Procure bulk stock or raw materials at favorable prices
"Money required to purchase stock, raw material or goods."
Suppliers demand upfront payment or short credit, but seasonal spikes or manufacturing lead times demand holding higher raw material and inventory levels.
Fund inventory and procurement without disrupting operating cash flow.
Eligible Credit Products (7)
Security / StructureMachinery / Capex Requirement
Acquire high-output machinery, plant, or capital assets
"Buy machinery, plant, equipment or other fixed assets."
Upgrading machinery or acquiring capital equipment requires substantial capital that cannot be diverted from everyday working capital without starving business operations.
Finance long-term productive assets.
Eligible Credit Products (6)
Security / StructureBusiness Expansion Requirement
Scale plant capacity, launch new geography, or set up facility
"Expand capacity, geography, plant or business operations."
Expansion requires multi-crore investment across civil construction, plant setup, initial inventory, and team onboarding before revenue begins flowing.
Fund expansion while matching repayment with the expected cash-flow generation of the expansion.
Eligible Credit Products (6)
Security / StructureExisting Bank Limit Requirement
Existing CC/OD limits are maxed out as turnover grows
"Existing CC/OD limit is insufficient."
Top-line turnover has surged 30-50%, but your incumbent bank has delayed renewal or declined limit enhancements due to rigid collateral ratios.
Increase available borrowing capacity.
Eligible Credit Products (7)
Security / StructureProperty-Backed Funding Requirement
Unlock substantial long-tenor liquidity against owned real estate
"Client has property and wants substantial liquidity."
Promoters own commercial, industrial, or residential properties with significant market value, but need high-quantum capital at low interest rates and flexible tenors.
Convert available property collateral into business liquidity.
Eligible Credit Products (5)
Security / StructureRequirement Without Collateral
Raise business funding without pledging immovable property
"Funding needed but collateral is unavailable/insufficient."
Asset-light manufacturers, traders, and service enterprises have strong banking credits and GST filings, but lack clear title real estate to mortgage with traditional PSU banks.
Assess repayment capacity primarily through business performance and cash flows rather than hard collateral.
Eligible Credit Products (6)
Security / StructureTemporary / Urgent Funding Requirement
Fast liquidity to bridge sudden cash-flow timing mismatches
"Short-term mismatch between cash inflow and cash outflow."
A critical tax payment, payroll cycle, vendor milestone, or unexpected supply order requires funding within 3-7 days, well before expected customer receivables materialize.
Bridge a defined timing gap.
Eligible Credit Products (6)
Security / StructureDebt Restructuring / Existing Liability Requirement
Consolidate high-cost, fragmented loans into manageable debt
"Existing debt is expensive, fragmented or poorly structured."
Multiple high-interest unsecured loans, expensive NBFC borrowings, and fragmented monthly EMIs are severely straining operational cash flows and choking business growth.
Reorganize existing liabilities and potentially create additional liquidity, subject to lender assessment.
Eligible Credit Products (6)
Security / StructureTrade Finance Requirement
Facilitate domestic and international trade contracts
"Import/export or supplier/customer trade transaction."
Counterparties across borders or states require secure payment guarantees, import letters of credit, export pre-shipment liquidity, or post-shipment bill purchases.
Facilitate trade transactions and provide transaction-linked liquidity/security.
Eligible Credit Products (7)
Security / StructureNon-Fund-Based Requirement
Obtain institutional bank guarantees and letters of credit without cash outflow
"Client doesn't necessarily need immediate cash but needs a banking instrument."
Securing government or large corporate tenders, turnkey execution contracts, or concession agreements requires bank-backed financial or performance guarantees, not loan disbursements.
Provide a bank-backed financial commitment rather than direct cash funding.
Eligible Credit Products (6)
Security / StructureUnsure which credit facility best matches your balance sheet?
Our corporate finance advisors evaluate your financial statements, DSCR, and cash conversion cycle to structure multi-lender proposals with lowest interest margins.
Ready to Access the Right Funding Solution for Your MSME?
Share your business details - our advisory team will map the right capital structure and connect you with the right partners, fast.
