Term loans, overdrafts and cash credit for operating businesses.
Businesses borrow for two different reasons and the products differ accordingly. Working capital — cash credit, overdraft, bill discounting — funds the gap between paying suppliers and being paid by customers. A term loan funds an asset: machinery, a unit, an expansion. Mixing the two, and funding a machine out of an overdraft, is how cash flow breaks.
Lenders assess audited financials, banking conduct, GST returns and credit bureau history. Our corporate practice prepares the file so it reads properly, and we place it with partner banks and NBFCs. Where the business is eligible under CGTMSE or a similar scheme, unsecured limits may be possible.
Key features
- Cash credit, overdraft and bill discounting for working capital
- Term loans for machinery, premises and expansion
- Unsecured business loans against banking and GST turnover
- CGTMSE-backed facilities for eligible micro and small enterprises
- File preparation — projections, financials and banking summary — handled by our corporate desk
- Existing facility review and balance transfer where pricing warrants it
Risk disclosure. Loans are sanctioned at the sole discretion of the lending institution, subject to its credit policy, documentation and applicable charges. We facilitate the application; we do not sanction credit. Pyrramid Wealth Distributors distributes this product and does not manufacture it. Nothing here is a recommendation or investment advice.