Corporate Funding

Working Capital Limits (Fund Base and Non Fund Base)

"Working capital or the measure of a company's ability to pay off its short term debt is the difference between current assets and current liabilities."
We are into syndication of working capital limit (Both Fund Base and Non Fund Base) for Indian company both in Indian currency as well as foreign currency. We can also propose an enhancement of Working Capital Limits (Both Fund Base and Non Fund Base) with the optimum utilization of your enhanced facilities. 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.

Cash Credit

Cash Credit is also known as Working Capital .Cash Credit is a facility to withdraw the amount from the business account even though the account may not have enough credit balance. The limit of the amount that can be withdrawn is sanctioned by the bank based on the business cycle of the client and the working capital gap and the drawing power of the client. This drawing power is determined, based on the stock and book debts statements submitted by the borrower at monthly intervals against the security by hypothecating of stock of commodities and/ or book debts.

Letter of Credit

A Credit 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. Letters of credit are often used in international transactions to ensure that payment will be received. Due to the nature of international dealings including factors such as distance, differing laws in each country and difficulty in knowing each party personally, the use of letters of credit has become a very important aspect of international trade. The bank also acts on behalf of the buyer (holder of letter of credit) by ensuring that the supplier will not be paid until the bank receives a confirmation that the goods have been shipped.

Bank Guarantee

When running a business, you might come across a situation that your client may ask you to provide a financial guarantee from a third party. In such circumstances, approach your bank and ask it to stand as a guarantor on your behalf. This concept is known as bank guarantee (BG). We as HARVEST FINANCE will help you in arranging BG from banks. This is usually seen when a small company is dealing with much larger entity or even a government across border.

Packing Credit (Post Shipment and Pre Shipment)

Enjoy the benefits of future rentals today and execute your business plans immediately. Loan against Rent Receivables (LRD) empowers you to use your rental cash flows right now. Under LRD, we provide funds for your business against your rent receivables. You can use the funds to grow your business, consolidate your existing loans, expand your business into newer ventures or use the funds for any other requirement you may have.

Corporate Finance

Working Capital (OD/CC)

HARVEST involved in relationship with all banks and institution through which we will explore the best option for taking care of your company working capital limit which involves Cash Credit facility with better rate and amount what you may be using currently.

Rupee / Foreign Term Loan

HARVEST has been a aggressive in structured finance products by designing and using a wide variety of relationship channel. We can arrange Rupee term loan for our client to expand their business and to entre into growth phase by increasing their production well as we also arrange foreign currency term loan primarily for export oriented units who want to import capital goods to either diversify/expand /modernize or setup new unit to increase their competitiveness in global market at competitive interest rate.

Project Finance

Our expert team which includes bankers and CAs is also involve in arrangement of project financing by evaluating the project strengthens and viability in both areas Greenfield project as well as Brownfield project.

Inter Corporate Deposit (ICD)

HARVEST is one of the oldest players in arranging ICD in the market and we had successfully arrange for our number of client. This can also be done for SME Companies which required fund for shorter periods without disturbing their present bankers.

Multiple Banking

We always suggest our client to get into multiple banking facility or consusitiom for proper financial planning as same as we never depend on one supplier nor buyer. Like wise we should also deal with multiple bank which take care of our future requirement in proper manner.

M & A (Mergers and Acquisitions)

Mergers and Acquisitions have become one of the key instrument for short span expansion of any growing company here Expansion can be done through new acquisitions or taking over the sick and loss making unit. HARVEST actively involve from beginning of negotiation and to end of the deal.

Private Equity

Private Equity or venture capital is an one of the finest way for riseing fund for the company where the company share has been diluted to our investor for the short time for 3 to 5 years till you reach at the mark of issuing IPO . HARVEST involve in the area from introduction to investors to due diligence. Our experience in couple of deal make us aggressive for small size equity to large size equity.

Brand Equity

Branding is one of the core part of any industry for the growth and expanding the reach. In today market the brand is more essential to increase sales of the product so HARVEST take care of our client Branding exposure with an expert brand builder with advisory service. This meant for units having good track record for improving marketability of their products by undertaking activities such as market research, advertising, creating or enhancing the value of brand, providing audio/Video for electronic media, participation in trade fair and setting up distribution network etc.


Effectively managing your foreign exchange fluctuations risk is today the most essential aspect of doing business. Factors like fluctuations in interest and exchange rates and the price of essential materials can rapidly turn a profitable deal into a loss. To be prepared, you need a partner with proven expertise in international trade and finance. HARVEST Associated with Best treasury team and derivatives group who take care of our client to get income out of foreign trade.

Restructuring of Loans for N.P.A accounts

Every industries has some ups and down so to cater such industries which is into the problem with some or the other reason HARVEST come into picture to restructure such industries and provide a boost to reestablish and compete with existing business competition.

Back To Financial Products