Our Products
Our Products
Tailored Financial Solutions for Every Need
We offer a diverse range of financial products designed to support individuals and businesses. Whether you need a loan, credit facility, or investment solution, our expert team ensures a seamless and hassle-free experience with customized options to fit your financial goals.
Loans
We offer a wide range of loan options to cater to different financial needs, ensuring flexibility and convenience for individuals and businesses. Our loan products include:
- Term Loans – Long-term financing for business expansion, infrastructure development, or asset acquisition
- Working Capital Loans – Short-term loans to manage daily business operations and maintain cash flow.
- Personal Loans – Unsecured loans for personal expenses such as weddings, education, or medical emergencies.
- Home Loans – Loans to purchase or construct a home, with competitive interest rates and repayment plans.
- Car Loans – Financing solutions for purchasing a new or used vehicle with flexible EMI options.
- Machinery Loans – Business loans for acquiring new or used machinery and equipment.
Our loan solutions are designed to provide financial support with low interest rates, flexible repayment tenures, and minimal documentation requirements.
Bill Discounting
Bill Discounting is a short-term financing solution that allows businesses to get immediate cash by selling their unpaid invoices or bills of exchange before the due date. This facility helps improve cash flow and working capital, enabling businesses to meet operational expenses, pay suppliers on time, and reduce financial stress. Benefits of Bill Discounting:
- Instant access to working capital
- Reduced dependency on long payment cycles
- Improved cash flow for smoother business operations
Equity-Based Funding
The Listed Equity Pledge Funding Scheme allows listed companies to pledge their shares with a lender to secure funding. This scheme provides an alternative source of capital for companies, especially during times of market volatility. Following key features:
- Eligibility: Listed companies with a minimum market capitalization can participate in the scheme.
- Pledge of Shares: Companies pledge their shares with the lender as collateral
- Funding: Lenders provide funding to the company based on the value of the pledged shares
- Loan-to-Value (LTV) Ratio: The lender determines the LTV ratio, which typically ranges from 20% to 50%.
- Interest Rate: The interest rate is negotiated between the lender and the borrower.
- Repayment: The company repays the loan with interest, and the pledged shares are released.
Benefits
- Quick Access to Capital: Companies can access capital quickly, without having to go through a lengthy fundraising process.
- Flexibility: The scheme provides flexibility in terms of repayment and interest rates.
- No Dilution of Equity: The company does not have to dilute its equity to raise capital.
Risks
- Market Volatility: If the share price falls, the lender may ask for additional collateral or repayment.
- Liquidity Risk: The lender may sell the pledged shares if the borrower defaults on the loan.
Participants
- Listed Companies: Companies listed on recognized stock exchanges can participate in the scheme.
- Lenders: Banks, non-banking financial companies (NBFCs), and other financial institutions can participate as lenders.
Regulatory Framework
The scheme is regulated by:
- Securities and Exchange Board of India (SEBI): SEBI regulates the pledge of shares and ensures compliance with listing regulations.
- Reserve Bank of India (RBI): RBI regulates the lending aspect of the scheme and ensures compliance with banking regulations.
Overdraft Facility
Overdraft Facility provides businesses and individuals with access to extra funds beyond their account balance, allowing them to meet short-term financial needs. It offers flexibility, as borrowers can withdraw money up to a predetermined limit and pay interest only on the utilized amount. This facility is ideal for managing cash flow fluctuations, unexpected expenses, or temporary working capital shortages.
Bank Guarantee
A Bank Guarantee is a financial assurance provided by a bank on behalf of a business or individual, ensuring that obligations to a third party will be met. If the applicant fails to fulfill their commitment, the bank compensates the beneficiary. This is widely used in business contracts, real estate deals, and government projects, enhancing trust and credibility in financial transactions.
Our loan solutions are designed to provide financial support with low interest rates, flexible repayment tenures, and minimal documentation requirements.
Letter of Credit (LC)
A Letter of Credit (LC) is a financial document issued by a bank that guarantees payment to a seller upon fulfilling specific terms and conditions. It is commonly used in international trade to mitigate payment risks between buyers and sellers. LC ensures that transactions proceed smoothly by providing financial security to both parties, especially when dealing with unfamiliar business partners.
Packing Credit Facility
A Packing Credit Facility is a short-term loan provided to exporters to finance the purchase, processing, manufacturing, or packing of goods before shipment. This pre-shipment financing helps businesses manage working capital efficiently and fulfill export orders on time. It is offered at competitive interest rates and plays a crucial role in promoting international trade.
CGTMSE Loans
Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE) Loans are designed to support small and medium enterprises (SMEs) by providing collateral-free credit. Under this scheme, businesses can secure loans without pledging assets, as the government-backed trust guarantees the loan. It is an excellent financing option for startups and growing enterprises looking to expand their operations.
Business Loans
Business Loans offer financial support to entrepreneurs and enterprises for expansion, working capital needs, inventory purchases, or operational expenses. These loans come in secured and unsecured forms, with flexible repayment options. Whether you are starting a new venture or scaling up an existing business, business loans help ensure smooth financial operations and growth.
Personal Loans
Our Personal Loan for Salaried Individuals offers a hassle-free way to manage your financial needs, whether it’s for medical expenses, education, home renovation, or any personal requirement. With competitive interest rates, flexible repayment options, and quick approvals, we ensure a smooth borrowing experience. Get the funds you need with minimal documentation and no collateral required!
Frequently Asked Questions (FAQ)
Get Answers to Your Financial Queries
What types of loans do you offer?
We offer a variety of loans, including personal loans, home loans, car loans, term loans, working capital loans, and machinery loans. Our financing solutions are designed to meet both personal and business needs.
How can I apply for a loan?
Applying is simple! You can visit our website, fill out the online application form, or contact our team for assistance. We ensure a hassle-free process with quick approvals.
What is Bill Discounting, and how does it work?
Bill Discounting allows businesses to convert unpaid invoices into instant cash by selling them to a financial institution at a discount. This helps improve cash flow and working capital management.
How long does it take for loan approval?
Loan approval times vary, but we offer fast processing and minimal paperwork, ensuring you receive funds as quickly as possible—often within a few days.
Get Started Today!
Secure Your Financial Future with Ease
Apply now for fast, flexible, and hassle-free financial solutions tailored to your needs. Let Capital Kingdom Finance help you achieve your goals!