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SME Loans / Working Capital

SME Loans / Working Capital

A) Working Capital
 For filling the gaps between the different business cycles of debtors, creditors and inventories. A working capital loan is a short-term loan used to fund a company's daily operational expenses, such as payroll, inventory, and rent, rather than long-term investments or assets. These loans provide a financial buffer, ensuring a business's smooth day-to-day operations, especially during periods of slow sales or unexpected expenses. Working capital loans can be secured by collateral or offered as unsecured loans, with terms and repayment options tailored to a business's specific cash flow needs and the lender's risk assessment, We offers wide range of working capital products like CC, OD, Dropline OD, LC, BG, EPC, FBD, Buyers Credit/ Suppliers Credit, WCDL, WCTL, Pledge funding, corporate cards etc.
Few Govt scheme for Msme for getting working capital if you don’t have collateral a) Credit Guarantee Fund Trust for Micro and Small Enterprises – CGTMSE b) Mutual Credit Guarantee Scheme for MSMEs (MCGS-MSME) c) Agriculture Infrastructure Fund- (AIF).

B) Loan Against Property
 It’s a secured term loan. Lap is best suitable for getting long term funds for your business against the existing properties by getting the leverage on it, and where repayments is done in long term and partially.

C) Unsecured Business Loan 
It’s an unsecured term loan, where you don’t have any collateral to offer but you need Urgent funds for your immediate business requirements.

D) Machinery Loan
For Buying machines (Secured, Unsecured) where repayment is done in long term perspective.

E) Lease rental discounting (LRD)
LRD is a term loan offered against rental receipts. You can opt for LRD when you own a property that gives you fixed rental income at regular intervals. The amount you can borrow is based on the discounted market price of rentals and the market value of property

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