A term Loan is an arrangement between a borrower and lender, where the lender provides cash upfront and it is paid back through a series of smaller amounts, over a period of time. As an incentive for the lender, the borrower pays a percentage of interest. This money can be used for expansion, marketing, technology expenses, capex etc. This way, the company can raise Capital without giving up on equity.

Structure

Flexible repayment schedule for our clients to choose from for their business

Tenor

1-3 YEAR

A Working Capital Demand Loan, also known as working capital funding, plays a crucial role in providing businesses with the necessary liquidity to meet their day-to-day operational needs and maintain a healthy cash flow.

Tenor

1 YEAR

Rollover period

1-3 MONTHS

Client Type

Predominantly Enterprise Finance Note - The entire repayment can be triggered at any time depending upon the value

SUPPLY CHAIN FINANCE

Supply Chain Finance seeks to fund the network of suppliers and dealers of a particular corporate. It is structured as your revolving line of credit. We would Finance the vendors / suppliers / dealers distributors of your business for short term needs. This helps increase the business efficiency for sellers and vendors.

Structure

Anchors (large sellers) are onboarded first, and the counter parties dealing with the said supplier qualify as clients

Tenor

Fixed/Floationg

CO-LENDING

We help in daily financing through tech integration, enabling you to expand your customer base. Our partners are our medium to reach the end customers. We use their expertise and platform for collection and disbursement. While we underwrite our co-lending partner, we make use of their underwriting capabilities for the end customers.

Tenor

3 MONTHS - 4 YEARS (Tenor can be client specific)

Sectors

Business loans, Gold loans, Microfinance, Loans to purchase used and new vehicles (Two wheelers, Commercial vehicles, Cars), Loans against property, Agricultural loans

Client Type

Financial Services

SECURITIZATION

We act as an investor. From the client’s pool of borrowers, we cherry pick the contracts that have the least risk of default. And against those set of receivables, the securitised asset is created.

Tenor

Depends upon the Asset class

Client Type

Financial Services

NON-CONVERTIBLE
DEBENTURES

We offer Non-Convertible Debentures which is similar to a Term loan. It is a certificate of deposit having a certain decided face value.

Tenor

24-36 Months

Client Type

Financial Services

Type

Listed and unlisted NCDs