JR Financial understands the need of business expansion and working capital for a business. Our SME team is focused to serve the entire spectrum which covers Manufacturers, Traders, Wholesales, Retailers, Service Providers, Exporters / Importers and Self Employed Professional. Our SME team is specialized in structuring the product as per the requirement of your business.
JR Financial addresses your diverse financial needs – be it venturing in to new business lines or expanding current business, you can now look forward to getting the financial support you need, without any hassles.
The Company has comprehensive domain expertise and knowledge in SME Loans, having ensured timely financial closure as per the requirement of the Clients. We provide optimum solutions to our clients with an appropriate decision support for strategic measures
Project Finance is one of the key focus areas of JR Financial. We assist our clients in arranging funds for new projects as well as expansion, diversification and modernization of existing projects in infrastructure and industrial sectors. It is the long-term financing of infra and industrial projects based upon the projected cash flows of the project. They are most commonly secured by the project assets and paid entirely from project cash flow. JR Financial has built-up a strong reputation for its in-depth understanding of the infrastructure sector as well as industrial sector in India and we have the ability to provide tailor made financial solutions to meet the growing & diversified requirement for different levels of the project. We can arrange these funds in Indian as well as foreign currency (ECB, FCCB and FCNR)
With rich experience gained over years, we bring considerable expertise in engineering financial packages that address complex financial requirements. We are well equipped to provide a bouquet of structured financial solutions with the support of all major financial institutions. We have in house expertise (in appraising projects).
Some of the areas are as followsManaging Liquidity is the most important part of the business which helps in managing Cash Flow and hence ensure smooth running of business. Each business has its own set of requirements; we work with our customer and structure solutions most suitable for them.
JR Financial arranges Working Capital Facility to various segments of customers for their working capital requirements. We assist our clients in arranging working capital finance to meet the entire range of short-term fund requirements that arise within a Corporates day-to-day operational cycle. Working capital loans can help your 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.
We assist our clients in arranging Fund based products like Cash Credit/ Over Draft, Working Capital Demand Loans , Bill Discounting, Factoring , Buyers Credit , Export Financing (Pre-Shipment Credit & Post-Shipment Credit, Dealer Financing , Channel Financing and Non-Fund based products like Letter of Credit and Bank Guarantees
Corporate Term Loan is provided to Private limited / Public Limited Company customers. The scheme will help them to meet their financial need without involving acquisition of fixed assets. Corporate term loans 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 you take advantage of global interest rate trends vis-a-vis domestic rates to minimize your debt cost. Corporate term loans are generally available for tenors from three to Seven years, synchronized with your specific needs.
Corporate term loans may carry fixed or floating rates, as befits the exact requirement of the client and the risk context. Again, these rates will be linked to the bank's Base rate. Corporate term loans 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.
The corporate Loans can be sanctioned to a corporate customer for any genuine purpose in line with the regular business activity like:
| Purpose | Documents |
|---|---|
| Proof of Identity | PAN Card, Valid Passport, Voter ID Card, Aadhar Card |
| Proof of both residence | Valid Passport, Voter ID Card, Aadhar Card, Latest Utility Bill like Electricity / Telephone Bill |
| Proof of income |
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| Other documents |
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| Property related documents |
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All documents to be self attested. The above list is indicative in nature and additional documents can be asked for.
