Services

Business funding & corporate finance solutions

We help SMEs and corporates design smart funding structures across working capital, trade finance, unsecured facilities and asset-backed arrangements.

Our core service lines

From daily working capital to long-term projects and specialised structures, we align every facility with your business model and cash flows.

Corporate finance

Working capital, term loans and project finance to power everyday operations and long-term growth.

  • • Working capital (OD / CC)
  • • Rupee & foreign currency term loans
  • • Project finance (greenfield & brownfield)

Trade finance

Export and import facilities that keep your supply chain moving without putting pressure on cash flows.

  • • Packing credit (pre & post shipment)
  • • Export debtor discounting
  • • LC discounting & other trade structures

Unsecured & structured finance

Collateral-light and asset-backed solutions that monetise receivables, rentals or property value.

  • • Unsecured working capital term loans
  • • Advance against receivables or rent
  • • Loan against property / shares
Discuss your funding needs
Specialized Funding Solutions

Equity & Other Financial Arrangements

Beyond traditional loans and working capital limits, we arrange a range of specialised structures that monetise future receivables or asset values to unlock capital for business growth and personal investments.

Advance Against Credit Card Receivables

Businesses with significant credit card salessuch as retailers or service providerscan unlock future receivables to meet present funding needs. We help structure facilities where expected credit card inflows are converted into an overdraft or working capital term loan, repayable through monthly instalments. These arrangements are typically unsecured and designed to improve working capital without additional collateral.

Ideal For:

Retail businesses
Restaurants & hospitality
Service providers
E-commerce businesses

Advance Against Rent Receivables

Property ownerscompanies or individualswho receive regular rental income can access funding by discounting future rent receivables. We help arrange either overdraft facilities or term loans with monthly repayments, enabling you to raise capital for expansion or other requirements while your rental cash flows service the borrowing.

Facility Type
OD or Term Loan
Repayment
Monthly EMI
Security
Rent Receivables

Use Cases: Business expansion, property acquisition, debt consolidation, or meeting other financial requirements while maintaining rental income streams

Loan Against Property

We arrange loans against residential, commercial or industrial properties for businesses and individuals who need funds to expand operations, consolidate debt or manage other financial requirements. Our role is to secure the most suitable amount and rate so that the borrowing becomes a strategic enabler rather than a burden. Complex or structured transactions can also be evaluated on a case-by-case basis.

Residential Properties
Houses, apartments, villas
Commercial Properties
Offices, retail spaces, showrooms
Industrial Properties
Warehouses, factories, manufacturing units
Flexible Use
Business expansion, debt consolidation, working capital

Loans for Property Purchase

For clients looking to invest in new propertieswhether for their business or as personal investmentswe help arrange funding solutions that turn acquisition plans into reality. We work to balance loan amount, tenure and repayment structure so that the investment remains financially viable over the long term.

Our Approach:

1

Assess your investment goals and financial capacity

2

Structure optimal loan amount and tenure for long-term viability

3

Secure competitive rates through our banking network

4

Guide you through documentation and approval process

Business Properties

Offices, warehouses, manufacturing units

Personal Investments

Residential properties, investment properties

Loan Against Shares

Another way to raise capital is by pledging listed shares with approved lenders. We help you structure overdraft or demand loan facilities against your securities, with a focus on maximising the acceptable valuation and securing competitive pricing. This enables you to access liquidity while retaining ownership of your investments.

Key Benefits

  • •Retain ownership of shares
  • •Quick liquidity access
  • •Continue receiving dividends
  • •Flexible repayment options

Facility Types

  • •Overdraft facilities
  • •Demand loan facilities
  • •Against listed shares only
  • •Competitive LTV ratios

Note: Loan amount depends on the market value and liquidity of pledged securities. We work to maximize acceptable valuation and secure competitive pricing for your benefit.

Explore Specialized Funding Options

Whether you need to monetize receivables, leverage property assets, or unlock equity value, we can help structure the right solution for your needs.

Discuss Your Requirements
Collateral-Free Solutions

Unsecured Finance

Our unsecured finance solutions are crafted for businesses that have strong operations and relationships but may not have collateral to offer—or prefer not to lock in assets. These products are suitable for meeting short-term working capital gaps, seizing new opportunities or bridging cash flow mismatches.

Working Capital Term Loans (Unsecured)

We arrange unsecured working capital term loans with tenures typically ranging from 1 to 5 years and ticket sizes that can go up to several crores, subject to profile evaluation. These loans are designed to plug short-term working capital gaps and are structured with monthly repayments. No collateral, security or bank NOC is required for eligible profiles.

Tenure
1-5 Years
Collateral
Not Required
Bank NOC
Not Required

Short-Term Private Funding

Business opportunities often come with narrow windows. When your bank is unable to structure funding quickly enough, we can arrange short-term private funding solutions. Depending on your track record and relationships, unsecured funding up to a specified limit can be arranged for periods from around 15 days to about a year, enabling you to act on time-sensitive opportunities.

Ideal for: Time-sensitive opportunities, urgent inventory purchases, seasonal demand spikes, or bridging temporary cash flow gaps

Debtor Discounting

Debtor discounting provides financing against your domestic or international receivables. Instead of waiting 60–120 days for customers to pay, you can access funds immediately through arrangements with our banking and institutional partners. This facility is particularly useful for SMEs and mid-sized businesses that offer credit terms but want to maintain smooth working capital flows, and it may be set up independently of your main bank limits without requiring additional security or NOCs.

Immediate Cash Flow
Access funds without waiting for payment cycles
Independent Facility
Set up outside main bank limits
Domestic & International
Works for both local and export receivables
No Additional Security
Receivables serve as primary security

Purchase Bill Discounting

For well-established corporates, semi-corporates and SMEs that need to procure raw materials or inputs, we can arrange purchase bill discounting facilities. Under this arrangement, your suppliers are paid upfront by our partner bank or institution, and you receive a clean, unsecured credit line with repayment typically after an agreed period (for example, up to 120 days). This allows you to secure better terms with suppliers while maintaining liquidity.

Key Benefits:

Suppliers paid upfront
Extended payment terms (up to 120 days)
Better supplier negotiations
Maintain working capital liquidity

Need Unsecured Funding Solutions?

Our team can evaluate your profile and recommend the most suitable unsecured finance options for your business needs.

Discuss Your Requirements