CORPORATE LOAN

Capital should
have a purpose.

Whether the requirement is a new machine, a larger facility, inventory for the next cycle or simply bridging the gap between billing and collection, the right debt structure should fit the way the business actually earns and spends cash.

CORPORATE LOAN

Borrow for the right reason. Structure it for the right period.

A Corporate can need two very different kinds of money. Long-term investment—such as plant, machinery, equipment, technology or expansion—usually calls for a term facility repaid over time. Day-to-day funding—such as raw material, inventory and the gap between sales and customer collections—usually calls for working-capital finance.

The cheapest loan is not necessarily the best loan. The structure has to match the cash-flow cycle.

The two core borrowing needs

Term loan or working capital?

Term Loans

Finance for expenditure whose benefit lasts beyond the current operating cycle.

Working Capital

Liquidity to keep the operating cycle moving while money is tied up in stock and receivables.

Business in motion

Finance should follow the operating reality.

Factory & capex

Plant, machinery, automation and capacity expansion often call for longer-tenure term finance.

The borrowing structure should reflect what the money is being used for and how the business generates cash to repay it.

Warehouse & working capital

Inventory, receivables and operating-cycle gaps are typically working-capital questions.

What lenders usually examine

A loan application is a story told through numbers.

Business track record

Vintage, promoter background, sector, customer concentration and operating stability.

Cash flows

Sales, margins, banking conduct, debt service ability and the working-capital cycle.

Existing leverage

Current loans, limits, repayment obligations, contingent liabilities and credit bureau history.

Purpose & security

Why the money is required, how it will be used, promoter contribution and security where applicable.

Be application-ready

Documents that help lenders understand the business.

Exact requirements vary by lender, borrower and facility. A clean information pack usually makes the credit discussion faster and more credible

Audited/ provisional financial statements

Bank statements and existing loan statements

Udyam registration and constitutional documents

Project report / capex quotations for term finance

GST returns and income-tax returns

Debtor / creditor ageing and stock statements

Existing sanction letters and repayment schedules

Promoter KYC and other lender-specific information

How TFC can help

From requirement to lender conversation.

Understand

Clarify the amount, purpose, urgency and operating cycle.

Assess

Review financials, banking, leverage and credit profile.

Structure

Decide whether the need is term, working capital or a combination.

Position

Prepare the case clearly and approach suitable banks / NBFCs.

Compare

Look beyond headline rate to security, covenants, fees and flexibility.

corporate loans

Tell us what the business needs the money for.

We can start with the requirement, understand the numbers and then decide which lending route is worth pursuing. Given our expertise and extensive network of lenders, we can structure it in a way that suits your precise requirements.

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The Financial Concierge

Capital should have a purpose.