Working Capital Loans
Finance your everyday business operations with a working capital loan that arrives in days. Working capital is the lifeblood for every business. Healthy cash flow allows you to pursue new opportunities and win more deals. It saves you time, gives you greater peace of mind, and the breathing space to make the best decision for your business.
Working Capital loans are typically not used for finance of long-term assets but instead used to finance receivables, stock and oher short term items. Businesses with cyclical and seasonal sales cycles use working capital loans to moderate their cash needs.
- Overdraft Facility
Overdraft is a short-term way to borrow money up to an arranged limit. We make the cost easy to see, and give you ways to help you manage your money.
- Short-term Loan
Short-term loan is a loan which is essentially provided for a short tenure of less than one year. Interest and installments are typically serviced monthly
- Temporary Overdraft
This is a product that allows temporary facility to be granted to our customers against proven account activities, to meet temporary shortfall in their working capital requirements. This will enable client to be competitive in the market and meet short term liquidity requirements.
- Pledge Loan
Goods will be held under pledge when you obtain a loan. Goods are kept in a warehouse under dual control the Bank and yourself. Goods are released as per your requirement upon repayment of loan.
- Contract Financing
When you obtain a contract, cash may be necessary for preparation of the contract and bridging before the principle makes payment. Fund your business growth ambition by releasing cash from your contracts, when you need it. Fast access to working capital to help you grow your business.
- Transaction Financing
We are active in arranging structured financing based on your transactional activities to grow your business to next level.
- Bills Discounting
Release up to 80% of the value of your invoices. Invoice/Bills Discounting is a fully confidential financing solution to help free up working capital sooner to support your business ambitions. It removes the usual delay from sending invoices and waiting to receive payments from buyers over a period of time. This gives you earlier access to the cash you need to support your plans, whether that’s to grow, consolidate or develop a new product. Invoice/Bills Discounting is also easy to implement, with no major changes required to your current finance system.