Loans & Business Finance
Business Finance Solutionsfor Growth & Expansion
We assist businesses in exploring suitable financing solutions through appropriate banking and financial channels — structured around the way your business actually operates.
01 — Finance
Project Funding
For new manufacturing units, expansion and modernisation, we assist in exploring project funding structures suited to the scale and stage of your project, including:
- New manufacturing units
- Expansion & modernization
- Machinery & equipment
- Factory / building construction
- Land & infrastructure
- Technology upgradation
- Capacity expansion
- New business projects
- Diversification
- EPC & infrastructure projects
A typical project finance structure
- Project Cost
- Promoter Contribution
- Term Loan
- Working Capital
- Government Subsidies / Incentives
A well-structured project considers the term loan, the working capital cycle and the applicable government subsidies or incentives together — not as three separate conversations. The promoter contribution, the debt structure and the incentive position all influence each other. VK Finlink helps you see the whole structure before you commit, and assists with documentation and coordination through appropriate banking and financial channels.
02 — Finance
Working Capital Finance
Working capital should match your business cycle — not fight it. We assist businesses in exploring suitable facilities including:
- Cash Credit (CC)
- Overdraft (OD)
- WCDL
- Ad-hoc / Additional Working Capital
Assessment is typically based on:
- Business cycle
- Turnover
- Receivables
- Inventory
- Banking requirements
03 — Finance
Loan Against Property (LAP)
Owned property can unlock capital for the business at structured terms. A loan against property may be explored for purposes such as:
- Business expansion
- Working capital
- Debt restructuring
- Machinery purchase
- Business acquisition
- Project requirements
- Other legitimate business purposes
Suitability depends on the property, the borrower's profile, end-use and lender policies. We assist in evaluating whether LAP is the right instrument for your requirement and in structuring the proposal.
04 — Finance
Export Finance
Exporters face a simple structural problem: the order arrives long before the payment. Export finance bridges that cycle through:
Pre-Shipment Finance / Packing Credit
Finance against confirmed export orders to fund production before shipment.
Post-Shipment Finance
Finance against export receivables after shipment, until realisation.
- Export Order
- Production
- Shipment
- Receivables
- Realisation
05 — Finance
Bank Guarantee
Contracts, tenders and advances often require bank guarantees. We assist businesses in exploring guarantee facilities including:
- Performance Guarantee
- Financial Guarantee
- Advance Payment Guarantee
- Tender / Bid Guarantees
- Contract-related Guarantees
Guarantee limits are assessed on the applicant's financial position, track record and the underlying contract, subject to lender policies.
06 — Finance
Bills Discounting / Invoice Finance
Receivables sitting on your books are capital at rest. Bills discounting and invoice finance convert eligible sales into working cash flow, covering:
- Trade Bills
- Invoices
- Receivables
- Eligible Sales Transactions
- Sales
- Invoice
- Finance
- Cash Flow
- Business Growth
07 — Finance
Foreign Currency Term Loan
For businesses with international exposure, a foreign currency term loan may be explored for:
- Import of machinery
- Capital expenditure
- International business requirements
- Expansion projects
The appropriate structure depends on borrower eligibility, currency exposure, lender policies and regulatory requirements.
Government Loans • Industrial Finance • MSME Assistance
Discuss Your Financing Requirement
Share the outline of your project or working capital need — we will help you understand the suitable structures and the appropriate channels to approach.