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Case Studies

Case Study 01

INR 5 Crore Collateral-Free CGTMSE Funding in Just 10 Working Days

₹5 Crore Funding Sanctioned
Nil Collateral Required
10 Days Turnaround Time
CGTMSE Backed Facility

The Challenge

A Faridabad-based SaaS company engaged in government contracts was facing a working capital crunch and required INR 5 Crore in unsecured funding. Key hurdles included:

  • Promoters in a higher age bracket
  • Low Credit Monitoring Arrangement (CMR) rating
  • No collateral available
  • Elongated working capital cycle negatively impacting credit profile

Our Approach

  • Conducted a detailed assessment of factors dragging down the CMR rating.
  • Strategically improved credit profile parameters to strengthen the overall banking proposition.
  • Structured the case under the CGTMSE framework.
  • Positioned the proposal with the appropriate PSU banking channel for expedited consideration.

The Impact

The company secured ₹5 Crore of collateral-free working capital, providing immediate liquidity required to manage its elongated working capital cycle and support ongoing government contracts.

Case Study 02

INR 23 Crore Project Finance for a Greenfield Copper Rod Plant

₹23 Crore Total Finance
12 Months Loan Moratorium
25+ Years Trading Legacy
Greenfield Manufacturing Setup

The Challenge

A copper scrap trading business with 25+ years of experience transitioned from trading to establishing a greenfield copper rod manufacturing plant in Rohtak, Haryana. Key obstacles included:

  • High capital intensity with zero prior manufacturing track record
  • Raw material price volatility & bank risk perceptions
  • Simultaneous requirement for project finance and working capital

Our Approach

  • Partnered end-to-end covering entity structuring, regulatory setup, and licensing.
  • Prepared a comprehensive Detailed Project Report (DPR) and Information Memorandum (IM).
  • Structured project finance and assessed working capital needs around promoter expertise and growth potential.

The Impact

Transformed 25+ years of trading experience into a scalable manufacturing operation backed by institutional finance (Term Loan + Working Capital) with a 12-month moratorium.

Case Study 03

PSU Bank Home Loan Sanctioned & Disbursed in Just 4 Days

4 Days Disbursement Time
PSU Bank Channel Partner
100% On-Time Execution

The Challenge

A government employee faced an urgent property registry deadline with only 4 days from initial discussion to required loan disbursement. Any delay threatened to jeopardize the entire transaction.

Our Approach

  • Structured income profile prior to formal login.
  • Mapped the case to the right PSU branch for rapid processing.
  • Executed legal, valuation, and sanction activities in parallel rather than sequentially.

The Impact

The client completed the property registry seamlessly within the strict 4-day deadline without last-minute delays or uncertainty typical of process-intensive PSU banking.

Case Study 04

INR 20 Crore Funding for a 47-Year-Old Entrepreneur's Manufacturing Leap

₹20 Crore Total Sanctioned
₹15 Crore Term Loan
₹5 Crore Working Capital
New Unit SIIDCUL Sitarganj

The Challenge

A 47-year-old Delhi-based entrepreneur with 7 years of trading experience planned a bold transition to establish a mink blanket manufacturing facility in Sitarganj. Key hurdles included:

  • INR 15 Crore capital requirement
  • Zero prior manufacturing track record
  • Complex regulatory, project setup, and SIIDCUL location requirements

Our Approach

  • Prepared a robust Detailed Project Report (DPR).
  • Structured finances and coordinated legal and regulatory formalities.
  • Effectively highlighted the promoter's legacy textile expertise to build lender confidence.

The Impact

Successfully secured ₹20 Crore total funding (₹15 Crore Term Loan + ₹5 Crore Working Capital), creating a strong foundation for the new manufacturing venture.