Working Capital Management

Working Capital Management

We assist our clients both SME and MSME in getting a customized working capital loan from banks and NBFC to meet their working capital requirements. Our teams who will assist you in getting such loans are Ex Bankers and Credit Managers worked with various financial Institutions and are experienced in solving the issues which arises during the Sanction of such loans.

We have combined the best features of several types of such loans to create an offering which is suited for Indian companies and Start-ups.

  • Business Loan
  • Loan Against Property
  • Cash Credit / Overdraft
  • Letter of Credit
  • Packing Credit for Exportersv
  • Post Shipment Finance
  • Bank Guarantee
  • Term Loan
  • MSME Loans

Get a call back

Case Study:

1. A customer from Delhi requested his existing bank for additional working capital funds to expand his business his company had an exposure of Rs 7 cr against the property mortgage of 7.5 cr against the revenue of Rs 32 cr . Client requested bank for additional 2 cr of Term loan to expand its capacity and production line but bank denied to do so. Client gave us the responsibility to arrange the funds within same collateral. Our Team prepared a strong profile of that customer and presented to 3 banks to take over the case with 10 cr of limits including fund based and non fund based .Within a month we got sanctioned from a new bank and client shifted his banking with our support.

2. A customer from Noida approached us that existing bank is not allowing shifting the limits to new bank and demanding 4% foreclosure fee against the outstanding loans as on date. Customer belong to MSME segment, we studied the MSME act and RBI policy and assisted customer that bank cannot enforce a foreclosure fee and he can challenge the Bank foreclosure in RBI ombudsman. Result, Bank removed the clause and client shifted to new bank without paying any foreclosure fee to his existing bank.

3. A SME client from Haryana with a turnover of Rs 200 cr called us if we can reduced the cost of funds which he is availing from his existing bank. We studied the Sanction letter & found that the cost of Packing Credit Loan which Bank is charging to client was Libor+350 bps which is standard pricing as per RBI norms but other banks are offering L+100 Bps for same set of customers. Basis our suggestion client requested his existing banker to reduce the pricing, which was approved by bank later. Client saved approx 15 lacs of Interest annually.