Credit and Financing

Trying to fit round pegs in square holes or taking personal loans to fund a house construction are occurrences we find in our daily lives. The fitment of the right lending structure for an MSME firm can run into similar mismatches. A flexible and cost-effective borrowing solution should enable you to capitalise on growth opportunities, whenever and wherever they present themselves.

Given the complexity of lending structures, the variety of options possible and the lack of structured information makes a lot of firms take suboptimal decisions. These decisions can cause both short term and long-term damages to the health of the firm.

Our solution to you will be to have cost-effective borrowing that enables you to capitalise on growth opportunities, whenever and wherever they present themselves. The structure should be designed keeping in mind the size and complexity of your company’s needs, both current and future.

Some of our solutions have revolved around

Traders & manufacturers who import have multiple trade finance options to help them carry out their purchase needs. The lending can also happen in foreign currency to help them bring down their cost and risk. But they were stuck with a simple overdraft facility.

Government programmes like Make in India allow for multiple loan avenues which generally have very little awareness. In some cases, these are grants, in some cases these can get accommodated as interest rate subventions. These can get rolled out through industry development boards and credit guarantee corporations as well. The firm is not aware of what possibly they could be eligible for.

Plain vanilla sub optimal level of pricing and value that the company is suffering from, and we use our exposure to get them benchmarked to right pricing and value structures.