Corporate finance




  1. Rupee Term Loans:
    Pratham has been a dominant player in structured finance products by designing and executing innovative structures using a wide variety of instruments and ideas.
    Term facility is provided by the Bank and Financial Institution to various Business entities in order to carry out the capital expenditure. The various types of Capital Expenditure includes Plant erecting, Purchase of machinery, Expansion of existing capacity or any other capital purpose. Some of the banks are also provide term loan facility for repaying high cost debt, technology upgradation, R&D expenditure, leveraging specific cash streams that accrue into company, implementing early retirement schemes and supplementing working capital. Generally Term loan is given for a period from 3 to 10 years depending upon the size of the investment and repayment capability of the company. The rate of interest is generally depends project to project and bank prime lending rate.
    Term Loan can also be in the form of corporate term loans which can be structured under the FCNR (B) scheme as well, with the option of switching the currency denomination at the end of interest periods. This will help corporate to take advantage of global interest rate trends vis-à-vis domestic rates to minimize debt cost. The bank gives corporate term loans generally available for tenors from three to five years, synchronized with specific needs. Cost involved in the above corporate term loan is may be fixed and flexible and generally linked to the bank’s prime lending rate. Repayment of the Corporate Loan can have a bullet or periodic repayment schedule, as required by the client. The repayment mode may be linked to the cash accruals of the company. Further in order to keep cash flow in order banks gives moratorium period in high capital intensive investment human hair wigs uk.

  2. Foreign Currency Loans:
    We arrange foreign currency loans for companies; for both imports of equipments and rupee expenditure in accordance with the Ministry of Finance and the Reserve bank of India guidelines. Borrowings under foreign currency route are recommended only for those corporate who have a natural hedge through exports. Furthermore, the route of raising the fund through foreign currency borrowings is recommended by us only after an in depth analysis of the company vis-à-vis the conditions prevailing in the domestic as well as the international currency markets.

  3. Working Capital Bank Limits:
    The company uses its relationship network with various banks and institutions to tie-up working capital facilities for our clients. The scope of arranging such limits extends from preparation of the CMA till the final sanction of limits. The limits would be arranged either through the multiple banking routes or through consortium route, depending upon the size of the facility.
    Every Corporate/Firm/Entity requires working capital finance to meet the entire range of short-term fund requirements that arise within their day-to-day operational cycle.
    Working capital loans can help company in financing inventories, managing internal cash flows, supporting supply chains, funding production and marketing operations, providing cash support to business expansion and carrying current assets.
    There are many types of working capital finance. It is normally in the form of Fund Based Finance and Non Fund Based Finance depending upon the requirement of Industry, Trade and Service Sector. Funded facilities include cash credit, demand loan and bill discounting. Demand loans are considered also under the FCNR (B) scheme. Cash Credit facility is given against stock, so if any company is require to hold inventory in volume and for a long period, Cash Credit facility helps in keeping the inventory position. Generally bank finance 75% of the inventory value held by company on a particular day. The other mode of working capital finance is in the form of Book Debts, which is against Sundry Receivables. In all type of industry there is a trend of giving credit to its customer in order to increase the margins and sales. Bank finance 50 – 60 % of these receivables who are below 90 days. Non-funded instruments comprise letters of credit (inland and overseas) as well as bank guarantees (performance and financial) to cover advance payments, bid bonds etc. Further these loans attract collateral security depending upon size and profile of the company. Some times it may require minimum of 30% and maximum 100% collateral as well depending upon the promoters, company’s profile and the industry. Working Capital finance is generally subject to review every year by the bank. The same is reviewed based on the financial performance of the company. Also at the time of renewal, enhancement or new loan can be applied for. Rate of Interest is subject to Company’s financial and managerial strength, Security offered and other factors.
    The Bank guarantees the creditworthiness or the business capacity of its clients through its financial and performance guarantees. A bank guarantee and a letter of credit are similar in many ways but they're two different things. The main difference between the two credit security instruments is the position of the bank relative to the buyer and seller of a good, service or basket of goods or services in the event of the buyer's default of payment. These financial instruments are often used in trade financing when suppliers, or vendors, are purchasing and selling goods to and from overseas customers with whom they don't have established business relationships. A bank guarantee is a guarantee made by a bank on behalf of a customer (usually an established corporate customer) should it fail to deliver the payment, essentially making the bank a co-signer for one of its customer's purchases. A bank guarantee is more risky for the merchant and less risky for the bank.
    A letter from a bank guaranteeing that a buyer's payment to a seller will be received on time and for the correct amount. In the event that the buyer is unable to make payment on the purchase, the bank will be required to cover the full or remaining amount of the purchase.
    Banks accept full liability in both cases. With a bank guarantee, a client can default and the bank assumes the liability. Bank issues bank guarantee by taking margin in the form FDR (Fixed Deposit Receipt) ranges from 10 to 50% and some time 100% if it is not within regular limit sanctioned. Bank charge different rates for the purpose of issuance of bank guarantee depending upon the term and condition and BPLR rate

  4. Project Financing:
    PRATHAM has considerable expertise in giving advice/support to its client’s right from the project conception stage, preparation of the project report and its techno commercial appraisal by accredited institutions. We arrange project loans for existing business as well as expansion projects. The scope of work ranges From negotiations with the lending agencies to obtaining the final loan sanctions at cheapest rates.

  5. Loan Against Property
    Loan against Property can get you a higher loan amount for your business or personal needs with the benefit of lower EMI. With easy documentation, speedy approvals and flexible repayment options, getting a loan couldn't get easier Features
    • Higher loan amount available for longer tenure and at attractive rates.
    • Quick and hassle free loan with speedy approvals.
    • Residential and commercial properties accepted as collateral.
    • Excellent debt consolidation tool
    Benefits
    • Higher Loan amount with Lower EMI.
    • Funds can be used for business as well as personal needs.
    • Flexible repayment - Option to choose between Dropline Overdraft Facility or EMI based loan.
    • Specially designed programs for the Self Employed.

    A loan against property (LAP) is exactly what the name implies, a loan given or disbursed against the mortgage of property. The loan is given as a certain percentage of the property's market value, usually around 40 per cent to 65 per cent. Loan against property belongs to the secured loan category where the borrower gives a guarantee by using his property as security. The purpose of the loan is not definite; one can use it for personal or commercial as well. In certain bank this product is designed to meet the requirement of entry level entrepreneur, who does not have any track record of business. They can use this product by way of term loan or working capital facility. Purpose of the loan is to encourage SME green field projects which are at inception and because of lack of capital they could not grew. Procedure involves in this product is relaxed a bit and also rate of interest charged and processing fees is quite attractive. Once the loan is availed the same can be converted into a regular limit after certain period and of course, depend upon financial performance of the company. A loan against property (LAP) is exactly what the name implies, a loan given or disbursed against the mortgage of property. The loan is given as a certain percentage of the property's market value, usually around 40 per cent to 65 per cent. Loan against property belongs to the secured loan category where the borrower gives a guarantee by using his property as security. The purpose of the loan is not definite; one can use it for personal or commercial as well. In certain bank this product is designed to meet the requirement of entry level entrepreneur, who does not have any track record of business. They can use this product by way of term loan or working capital facility. Purpose of the loan is to encourage SME green field projects which are at inception and because of lack of capital they could not grew. Procedure involves in this product is relaxed a bit and also rate of interest charged and processing fees is quite attractive. Once the loan is availed the same can be converted into a regular limit after certain period and of course, depend upon financial performance of the company.

  6. Loan Against Shares
    A loan tailored to meet each customer's personal needs / Corporate needs.
    • Pledge Shares Nationally Pledge a share from any Depository Participant across the country
    • Overdraft Facility Against single and combination of script from approved list
    • Interest on Utilization
    • Loan Amount Minimum - Rs. 1,00,000 Maximum - Rs. 20,00,000 (For Individuals) Maximum - About Rs 25.00 Crores (For Corporates)
    • Margin: 50% for multiple script and 60% for single scrip
    • * The contribution of single script should not exceed 65% of the total portfolio value at any point of time during the tenure of the account.

  7. Housing Loan
    • for repairs/renovation/alteration of existing house/flat for new standalone borrowers
    • Purchase of Plot & construction thereon
    • for Construction/Acquiring of new or existing house/flat and extension of existing house/flat


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