Limits sized to the operating cycle, not to last year's balance sheet.
We arrange fund-based and non-fund-based working capital limits — sizing drawing power against the real receivable, inventory and payable cycle, and syndicating across institutional lenders and credit funds where a single limit falls short.
- Ticket size
- ₹5 Cr – ₹500+ Cr
- Typical tenor
- 12 months, renewable; WCDL 3 – 12 months
- Security
- Hypothecation of stock and receivables, collateral, guarantees
- Indicative timeline
- 4 – 10 weeks to sanction
- Geography
- India · GCC · Cross-border
Working Capital Finance — scope of work.
- Operating-cycle analysis and drawing-power sizing across receivables, inventory and creditors
- CMA data preparation, projections and stock-statement discipline for limit sanction and renewal
- Structuring fund-based and non-fund-based limits — cash credit, WCDL, LC, BG, packing credit
- Receivable, invoice and supply-chain finance placed with lenders and credit funds
- Enhancement, renewal and consolidation of existing limits at improved pricing and margins
Cash Credit / Overdraft
Revolving limit against stock and book debts, sized to monthly drawing power.
Bill / Invoice Discounting
Early liquidity against approved receivables, with or without recourse.
LC & Bank-Independent Guarantees
Non-fund-based limits supporting procurement, performance and contractual obligations.
Supply Chain Finance
Anchor-linked vendor and dealer finance programmes tied to the trade flow.
Where we take a working capital finance mandate.
Answers before the first call.
How is a working capital limit sized?
Limits are sized on the working capital gap — receivables plus inventory less creditors — with margins applied to each component and drawing power computed monthly against stock and debtor statements.
Can working capital be raised without additional collateral?
Often yes, where receivable quality, anchor counterparties or trade flows are strong. Receivable finance, discounting and supply-chain programmes rely primarily on the underlying trade rather than fixed collateral.
Do you help with limit renewals and enhancements?
Yes. We prepare the renewal credit file, re-argue the operating cycle, and where appropriate move or split the limit to secure better pricing and margins.