Government Scheme ₹4.2 Crore
Auto Components Manufacturing
Haryana · CGTMSE + Machinery Loan
The challenge
A precision components manufacturer needed to import 3 new CNC machines to fulfil a multi-year OEM contract. Bank rejected the proposal twice citing inadequate collateral against the funding requirement.
The outcome
Restructured the deal: ₹2 Crore under CGTMSE (no collateral), ₹2.2 Crore machinery loan with hypothecation of new assets only. 15% capital subsidy claimed under CLCSS. Disbursement in 23 days. Production capacity doubled within 90 days of machinery commissioning.
Trade Finance ₹18 Crore (BG limits)
EPC Contractor — Highway Projects
Maharashtra · Bank Guarantee (Performance + Mobilisation)
The challenge
Mid-sized EPC firm won 4 simultaneous NHAI sub-contracts. Existing BG limits with their bank were exhausted; cash-margin demand for fresh BGs would have starved working capital.
The outcome
Arranged multi-bank BG sub-limits across 3 PSU banks with consortium structure. Cash margin reduced from 25% to 12% via FD-backed structure. All 4 projects mobilised on schedule. Annual turnover grew 2.4× over the next financial year.
Working Capital ₹6.5 Crore
Pharmaceutical Trading
Delhi NCR · Cash Credit + Bill Discounting
The challenge
Pharma distributor supplying to government hospitals faced 90–120 day receivables. Working capital cycle was strangling order intake despite strong margins and zero default history.
The outcome
Set up ₹4 Crore CC limit + ₹2.5 Crore bill discounting facility against government receivables. Receivables conversion reduced from 100 days to 18 days average. Distributor onboarded 2 new state-level hospital tenders within 6 months.
Startup ₹85 Lakh
D2C Beauty Brand
Karnataka · Unsecured MSME Loan
The challenge
DPIIT-recognised consumer brand with 2 years of operations, ₹4 Cr ARR. Needed inventory funding ahead of Diwali peak. Founder had thin personal credit history; bank credit teams hesitant on unsecured exposure.
The outcome
Packaged the proposal with GST data, payment-gateway settlement reports, and DPIIT certificate. Placed with a Private Bank specialising in startup credit. Sanctioned in 14 days; full inventory built ahead of peak; Diwali quarter revenue 3.1× the previous quarter.
Project Finance ₹38 Crore
Greenfield Steel Re-rolling Mill
Chhattisgarh · Project & Expansion Funding
The challenge
First-generation promoter setting up a 60,000 TPA rolling mill. Required full project finance package: term loan + working capital + BG for raw material procurement. Lead bank delayed by 5+ months on first DPR submission.
The outcome
Re-prepared the DPR with realistic IRR/DSCR assumptions, switched to consortium of one PSU + one Private Bank, structured 70:30 D:E with 18-month moratorium. Sanction received within 11 weeks of re-submission. Plant commissioned within targeted timeline; first commercial dispatch on month 14.
Mortgage ₹2.8 Crore
IT Services SME
Telangana · Loan Against Property + Balance Transfer
The challenge
IT services firm carrying a ₹1.6 Cr LAP at 12.5% with their existing bank, needed an additional ₹1 Cr for office expansion. Existing bank refused top-up citing FOIR; servicing two separate loans would have been operationally messy.
The outcome
Balance-transferred the existing LAP to a Private Bank at 9.4% — saving ~3% interest — and sanctioned a ₹1.2 Cr top-up in the same transaction. Total EMI burden dropped 6% despite a 75% higher loan quantum. Expansion completed; headcount up 40% in 12 months.
Export Finance ₹12 Crore
Apparel Exporter
Tamil Nadu · Packing Credit + Post-Shipment + LC
The challenge
Garment exporter to EU markets needed full trade finance package — PCFC for raw material, post-shipment finance against export orders, and LC sub-limit for buying fabric on credit. Existing bank only offered partial coverage at sub-optimal rates.
The outcome
Designed a 3-bank structure: PCFC at 4.8% (concessional export rate), post-shipment FBP at 5.6%, ₹4 Cr LC sub-limit across two banks for fabric procurement diversification. Export turnover grew 38% in the first full year; finance cost as a % of exports dropped from 4.1% to 2.7%.
Healthcare ₹3.1 Crore
Medical Diagnostics Chain
Uttar Pradesh · Secured MSME Loan
The challenge
Diagnostics chain expanding from 4 to 11 centres needed equipment finance, fit-out funding, and a working capital buffer. Bank insisted on full collateral cover from the promoter's residential property — a non-starter.
The outcome
Structured 60% of the facility against hypothecation of new diagnostic equipment + 40% against existing receivables. Promoter's residential property kept free for personal liquidity. All 7 new centres operational within 9 months; revenue grew 3.7× over 18 months.