A Working Capital Loan is used to finance the day-to-day operations of a business. It ensures smooth cash flow, covers short-term liabilities, and keeps operations running without financial hiccups.
1. Cash Credit (CC): A revolving credit facility allowing businesses to borrow funds up to a pre-approved limit to manage cash flow.
2. Overdraft (OD): Flexible borrowing that enables businesses to withdraw more than their account balance.
3. Letter of Credit (LC): A guarantee provided by banks to facilitate business transactions, especially in international trade.
4. Invoice Discounting: Quick access to cash by selling unpaid invoices at a discount to a lender.
Project Finance is used to fund large-scale infrastructure and industrial projects. The repayment is structured based on the project's revenue generation.
1. Greenfield Project Finance: Funding for new projects that are built from scratch.
2. Brownfield Project Finance: Investment in existing projects that require expansion, modernization, or restructuring.
3. Public-Private Partnership (PPP): Collaborative projects between the government and private sector for infrastructure development.
4. Build-Operate-Transfer (BOT): Private sector builds and operates the project for a specific period before transferring ownership to the government.
M&A services help businesses grow, consolidate, and optimize their market presence through strategic partnerships, buyouts, and restructurings.
1. Mergers: Two companies combine to create a single entity, increasing market share and operational efficiency.
2. Acquisitions: One company purchases another, gaining control over its assets, operations, and market presence.
3. Leveraged Buyouts (LBO): Acquisitions where the buying company funds the purchase using borrowed capital.
4. Joint Ventures: Two businesses collaborate to achieve shared objectives while remaining independent entities.
Structured Finance offers customized financing solutions for businesses that need large-scale funding beyond traditional lending models.
1. Securitization: Pooling financial assets (like loans or receivables) and converting them into tradeable securities.
2. Mezzanine Financing: A hybrid of debt and equity financing, often used for expansion or acquisitions.
3. Asset-Backed Lending: Loans secured against assets such as real estate, inventory, or receivables.
4. Syndicated Loans: A single loan provided by multiple lenders to fund large projects.
