Twelve facilities. One disciplined approach to working capital.

Structured for viable manufacturing and food-related businesses with identifiable operating cash flows.

1. 1.This facility is designed for viable businesses that need liquidity without relying entirely on fixed-asset collateral.
2. 2.It is particularly relevant to manufacturers, processors and established traders with identifiable cash flows.
3. 3.The assessment considers business performance, transaction behaviour and the underlying operating cycle.
4. 4.Funding may support raw-material procurement, production expenses, inventory holding and receivable gaps.
5. 5.The structure can complement existing banking arrangements where an additional working-capital layer is justified.
6. 6.Facility sizing depends on turnover, margins, cash conversion and lender or investor assessment.
7. 7.A defined end use and transparent transaction trail strengthen the credit proposition.
8. 8.Repayment is aligned as closely as possible with the business cycle and expected collections.
9. 9.Management information, statutory compliance and banking conduct remain important to evaluation.
10. 10.All proposals are subject to due diligence, documentation, partner criteria and final sanction.

Transaction-linked funding that can support supplier payments and eligible buyer relationships.

1. 1.Supply Chain Finance connects eligible funding to genuine procurement, sales and buyer-supplier transactions.
2. 2.It can improve payment visibility for suppliers while supporting continuity for the operating business.
3. 3.The structure is relevant to anchor-led ecosystems, distributors, manufacturers and established trade networks.
4. 4.Eligible invoices, purchase orders, buyer relationships and transaction records form part of the assessment.
5. 5.The facility can help reduce disruption caused by mismatched supplier and customer credit periods.
6. 6.It may enable a business to negotiate more dependable procurement terms and plan inventory with greater confidence.
7. 7.The no-collateral proposition is subject to programme eligibility and should not be interpreted as universal approval.
8. 8.Limits are considered with reference to transaction volume, counterparty quality and repayment behaviour.
9. 9.Digital or documented transaction visibility supports monitoring throughout the facility period.
10. 10.Every arrangement remains subject to financial-partner due diligence, documentation and final sanction.

Supports procurement, production, shipment, import cycles and invoice realisation for eligible EXIM businesses.

1. 1.Export and Import Finance addresses the longer cash-conversion cycles commonly seen in cross-border trade.
2. 2.It may support domestic procurement or production before an export shipment is completed.
3. 3.Eligible structures can also assist importers with goods, components and raw materials required for operations.
4. 4.Shipment schedules, trade documents and payment terms are reviewed as part of the transaction assessment.
5. 5.The facility can bridge timing gaps between supplier payment, logistics movement and customer realisation.
6. 6.Currency exposure, destination risk, commodity characteristics and buyer quality influence structuring.
7. 7.Clear contracts, invoices, purchase orders and logistics records improve transaction visibility.
8. 8.Funding may be structured around pre-shipment, post-shipment or defined import-cycle requirements.
9. 9.Businesses should maintain appropriate trade, customs and statutory documentation for consideration.
10. 10.Availability and pricing remain subject to partner policy, due diligence and final sanction.

For eligible businesses dealing with seasonal procurement, perishables, processing and market-linked cycles.

1. 1.Agri Trade Finance is structured around the seasonal and time-sensitive nature of agricultural commerce.
2. 2.It can support eligible procurement from producers, aggregators and organised commodity channels.
3. 3.The facility is relevant to processors, distributors, exporters and businesses handling perishable goods.
4. 4.Commodity type, storage, quality controls and route-to-market are central to the assessment.
5. 5.Funding may help bridge the period between bulk seasonal purchase, processing and customer collection.
6. 6.Repayment structures can be aligned with the expected sale or realisation of the financed trade cycle.
7. 7.Warehouse, insurance, inspection and transaction evidence may be required depending on the commodity.
8. 8.Price volatility and perishability are evaluated before a structure is proposed.
9. 9.Strong operational controls and transparent inventory movement improve finance readiness.
10. 10.Facilities are subject to investor or lender criteria, due diligence, documentation and final approval.

Helps eligible e-commerce and retail businesses fund inventory, fulfilment, technology and expansion.

1. 1.Merchant Cash Advance is designed for businesses with visible and recurring transaction collections.
2. 2.It is relevant to eligible e-commerce sellers, retail operators and transaction-led service businesses.
3. 3.The advance may support inventory purchase, store expansion, technology and fulfilment requirements.
4. 4.Assessment focuses on sales consistency, settlement history and operating performance.
5. 5.Repayment is typically linked to agreed business cash flows rather than a conventional fixed instalment alone.
6. 6.This can provide flexibility where revenue varies with seasonality or campaign cycles.
7. 7.The business should maintain clear digital sales and banking records for evaluation.
8. 8.Facility size and cost depend on collection quality, stability and the partner's underwriting approach.
9. 9.The product should be used for defined business needs supported by realistic cash-flow planning.
10. 10.All proposals remain subject to eligibility, due diligence, documentation and final approval.

Flexible options for working-capital gaps, urgent requirements, order execution and expansion.

1. 1.Traditional and Quick Capital solutions address defined business needs that require timely evaluation.
2. 2.They may suit manufacturers, traders, exporters and larger enterprises with established operations.
3. 3.Use cases include urgent procurement, order execution, temporary working-capital gaps and expansion.
4. 4.The appropriate route is selected after reviewing the company profile and funding purpose.
5. 5.Turnover, profitability, banking conduct and existing obligations influence eligibility.
6. 6.Clear financial information helps reduce avoidable delays in the assessment process.
7. 7.The structure may be conventional or transaction-led depending on the requirement.
8. 8.Tenure and repayment are aligned with the end use and expected source of repayment.
9. 9.Quick evaluation does not remove the need for due diligence or complete documentation.
10. 10.Every facility is subject to partner policy, commercial terms and final sanction.

For larger enterprises where conventional debt may not match the scale or nature of the requirement.

1. 1.Equity-Based Working Capital is intended for larger businesses pursuing substantial growth or strategic expansion.
2. 2.It may be considered where conventional debt does not fully suit the scale or structure of the requirement.
3. 3.The approach can support capacity, market expansion, supply-chain development and working-capital intensity.
4. 4.Promoter objectives, enterprise value and future business plans form part of the evaluation.
5. 5.Investors assess governance, management quality, financial performance and growth visibility.
6. 6.The capital structure may involve equity or another negotiated participation arrangement.
7. 7.Businesses should be prepared for detailed commercial, financial and legal due diligence.
8. 8.The process generally requires deeper engagement than a standard short-term credit facility.
9. 9.Terms depend on valuation, risk, rights, exit expectations and the investor's mandate.
10. 10.Bespoke facilitates the opportunity, while investment decisions remain with the participating parties.

For growing companies building stronger and more diversified institutional funding arrangements.

1. 1.Emerging Corporate Finance supports growing companies moving toward more institutional funding structures.
2. 2.It is relevant to established businesses with rising turnover and increasingly complex working-capital needs.
3. 3.The facility may assist procurement, order execution, capacity utilisation and market expansion.
4. 4.Assessment considers business scale, profitability, leverage, cash flow and promoter experience.
5. 5.The structure is developed around the company's operating cycle and source of repayment.
6. 6.It can help diversify funding beyond a single conventional banking line where appropriate.
7. 7.Reliable financial reporting and compliance readiness are important for successful evaluation.
8. 8.Existing obligations and projected cash flows are reviewed to avoid over-structuring.
9. 9.Covenants or monitoring conditions may be included to support financial discipline.
10. 10.Limits, tenure and pricing remain subject to partner underwriting and final sanction.

Supports eligible raw-material and goods procurement through structures aligned with supplier terms.

1. 1.The Procurement Facility helps eligible companies secure raw materials and goods required for operations.
2. 2.It is backed by an acceptable bank guarantee and may extend for periods up to 270 days.
3. 3.The structure can align supplier payments with the buyer's manufacturing, trading or sales cycle.
4. 4.It is useful where reliable procurement is essential to maintaining capacity utilisation and fulfilment.
5. 5.Supplier credentials, commodity characteristics and transaction documentation are reviewed.
6. 6.The bank guarantee format, validity and issuing-bank acceptability are central to eligibility.
7. 7.Clear delivery, quality and acceptance terms reduce operational uncertainty.
8. 8.Repayment is planned around the sale or utilisation of procured goods and expected collections.
9. 9.The facility is not a substitute for sound inventory and counterparty controls.
10. 10.All transactions are subject to document verification, partner criteria and final approval.

Provides liquidity against eligible negotiable instruments for defined short-period requirements.

1. 1.This facility provides short-tenure liquidity against acceptable negotiable instruments.
2. 2.It is intended for eligible businesses with a clear temporary requirement and identifiable repayment source.
3. 3.The instrument, issuer, enforceability and transaction purpose are reviewed in detail.
4. 4.Funding may support procurement, production, order execution or a defined operating-cycle gap.
5. 5.Tenure can extend up to ten months, subject to the underlying instrument and partner policy.
6. 6.Facility size may be considered up to ₹20 crore for qualifying proposals.
7. 7.Documentation must clearly establish ownership, validity and the commercial transaction.
8. 8.The repayment plan should correspond with the expected maturity or business realisation.
9. 9.This is a non-asset-based structure but remains subject to credit and instrument risk assessment.
10. 10.Final availability depends on due diligence, documentation and partner sanction.

A defined repayment structure linked to a specific collection event or operating cycle.

1. 1.This non-asset-based working-capital option uses a defined bullet repayment structure.
2. 2.It suits eligible businesses expecting a specific collection or operating-cycle realisation.
3. 3.The facility may support procurement, production, inventory or order execution before that event.
4. 4.Cash-flow timing is analysed carefully because principal is not amortised in regular instalments.
5. 5.The repayment source must be identifiable, credible and supported by transaction evidence.
6. 6.Tenure is selected with reference to the operating cycle and expected collection date.
7. 7.Pricing is evaluated against the proposal's risk, duration and transaction visibility.
8. 8.Businesses should plan liquidity conservatively to avoid concentration at maturity.
9. 9.Regular reporting or monitoring may be required during the facility period.
10. 10.Sanction remains subject to partner criteria, due diligence and complete documentation.

Evaluates existing obligations and assets while creating additional liquidity for viable operations.

1. 1.Asset Restructuring with Additional Working Capital is intended for viable businesses facing capital-structure stress.
2. 2.The engagement begins with a review of assets, existing debt, cash flows and operational requirements.
3. 3.The objective is to evaluate a more sustainable structure while preserving productive business activity.
4. 4.Additional working capital may support procurement, capacity utilisation and revenue recovery.
5. 5.The proposal requires transparent disclosure of obligations, security interests and creditor positions.
6. 6.Asset quality, valuation, enforceability and business viability are assessed independently.
7. 7.A credible operating plan and measurable milestones strengthen the restructuring proposition.
8. 8.The solution may involve multiple stakeholders and therefore requires coordinated documentation.
9. 9.It does not guarantee acceptance by existing or prospective financiers.
10. 10.Facilities from ₹10 crore and above remain subject to detailed diligence, negotiation and final approvals.