Business Finance Solutions

Comprehensive financial instruments to support your business operations, from bank guarantees to working capital solutions. Tailored finance products for every business need.

Risk Coverage
Comprehensive Protection
Quick Processing
Fast Approvals
Flexible Terms
Customized Solutions
Expert Support
Dedicated Team

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Our Business Finance Products

Comprehensive range of financial instruments designed to meet diverse business requirements

Bank Guarantee

Secure business transactions with performance, advance payment, and bid bond guarantees

0.75% onwards Secure
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Invoice Discounting

Convert outstanding invoices into immediate cash flow. Get up to 90% of invoice value

1.8% onwards 24-48 Hours
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CGTMSE Loans

Collateral-free loans for MSMEs under government guarantee scheme

Up to 2Cr No Collateral
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Debtor Insurance

Protect against bad debts and payment defaults with comprehensive trade credit insurance

0.25% onwards Risk Cover
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Lease Rental Discounting

Monetize commercial property rental income with funding against future receivables

10% onwards Property Based
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Working Capital

Flexible working capital solutions including cash credit, overdraft, and term loans

11% onwards Revolving
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Bank Guarantee (BG)

Secure your business transactions with our comprehensive bank guarantee solutions. Perfect for performance guarantees, advance payment guarantees, and bid bonds.

Rate: 0.75% onwards per annum
Processing: 3-5 working days
Validity: Up to 10 years
Amount: No upper limit
Types of Bank Guarantees:
  • Performance Guarantee
  • Advance Payment Guarantee
  • Bid Bond Guarantee
  • Financial Guarantee
  • Retention Money Guarantee
Required Documents
  • Company Registration Certificate
  • Financial Statements (Last 3 years)
  • Board Resolution
  • Underlying Contract/Agreement
  • KYC Documents of Directors
  • Bank Statements (Last 12 months)
Key Benefits
  • Immediate cash flow improvement
  • No additional collateral required
  • Flexible repayment terms
  • Maintain customer relationships
  • Improve working capital ratio
  • Quick processing within 24-48 hours

Invoice Discounting

Convert your outstanding invoices into immediate cash flow. Get up to 90% of invoice value within 24 hours of approval without affecting customer relationships.

Rate: 1.8% to 2.5% per annum
Processing: 24-48 hours
Funding: Up to 90% of invoice
Tenure: 30-180 days
Eligible Invoice Types:
  • Trade invoices from creditworthy buyers
  • Service invoices with proper documentation
  • Government and PSU invoices
  • Export invoices with LC/collection

CGTMSE Scheme

Credit Guarantee Trust for Micro & Small Enterprises - Get collateral-free loans up to ₹2 crores with government backing and 85% guarantee coverage.

Amount: Up to ₹2 Crores
Collateral: Not Required
Guarantee: 85% Coverage
Eligible: MSMEs only
Eligibility Criteria:
  • Micro & Small Enterprise classification
  • Proposed activity covered under CGTMSE
  • Unit should not be in defaulter list
  • Promoter contribution minimum 15%
  • Valid business registration
Covered Activities
  • Manufacturing activities
  • Trading activities
  • Service sector activities
  • Agriculture allied activities
  • IT & Software development
  • Transport services
  • Food processing
  • Textile & garments
Risk Coverage
  • Commercial insolvency of buyer
  • Protracted default (6+ months)
  • Political risks and government actions
  • Country risks for export transactions
  • Contract repudiation by buyer
  • Import/export license cancellation

Debtor Insurance

Protect your business from bad debts and payment defaults. Comprehensive trade credit insurance for domestic and international transactions with up to 90% coverage.

Premium: 0.25% onwards
Coverage: Up to 90%
Scope: Domestic & Export
Processing: 7-10 days
Policy Types:
  • Comprehensive whole turnover policy
  • Specific account coverage
  • Export credit insurance
  • Single buyer policies

Lease Rental Discounting (LRD)

Monetize your commercial property rental income. Get funding against future rental receivables with competitive interest rates and flexible tenure options.

Rate: 10% onwards per annum
Tenure: Up to 15 years
Property: Commercial only
Funding: Up to 80% of rental
Property Types Covered:
  • Office buildings and complexes
  • Retail spaces and malls
  • Warehouses and storage facilities
  • Industrial units and factories
  • Hospitality properties
Eligibility Requirements
  • Valid lease agreement (minimum 3 years)
  • Creditworthy and established tenant
  • Clear and marketable property title
  • Stable rental income history
  • Comprehensive property insurance
  • Legal compliance certificates
Types of Working Capital
  • Cash Credit (CC) - Revolving credit facility
  • Overdraft (OD) - Against FD/securities
  • Bills Discounting - Trade bills
  • Short Term Loans - Specific purposes
  • Letter of Credit - Trade finance
  • Packing Credit - Export financing

Working Capital Solutions

Comprehensive working capital facilities to manage your day-to-day business operations, seasonal requirements, and growth opportunities efficiently.

Rate: 11% onwards per annum
Type: Revolving facility
Limit: Based on turnover
Review: Annual renewal
Assessment Factors:
  • Annual turnover and growth pattern
  • Gross operating cycle analysis
  • Inventory and receivables management
  • Cash flow projections

Ready to Explore Business Finance Solutions?

Our expert team is ready to help you find the perfect financial instrument for your business needs. Get personalized solutions with competitive rates.