FAQ

We consider funding requirements across various sectors, and the list provided is illustrative but not exhaustive. These sectors include:

• Engineering services
• Real estate construction
• Infrastructure development
• Manufacturing industries (both SME/MSME and large corporates)
• Mining, minerals, and metals (excluding gold, precious metals, and stones)
• Commodity trading (local and international) such as agricultural products, steel, coal, etc.
• Petrochemicals
• Public transport companies (both government and privately owned)
• Electronics
• Consumer goods

If your specific activity is not listed above, we welcome the challenge of exploring new opportunities. Please let us know your unique requirements.

Please refer to the "Financial services" page for detailed information.

Every funding requirement is unique and tailored to the specific needs of the client and their business. Our financing solutions are not standard, plain-vanilla products, which is why each case is approached uniquely and requires unconventional strategies.

Alternative funding options must be carefully analyzed on a case-by-case basis. Our Unsecured Loan offering (available nationwide) is particularly distinctive. No matter how challenging the situation, whether it's a bad CIBIL score, default with banks, bridge loan requirement, or urgent funds needed for statutory payments, we provide solutions tailored to individual circumstances.

There are no one-size-fits-all formulas. We encourage such cases for thorough analysis. Explore our FAQ section on Unsecured Loans for more insights and engage with our interactive feature for a detailed assessment.

Each assignment presents a unique challenge that we are prepared to address.

• Current debtors & creditors profile age wise
• Spend report* (suppliers of raw material & consumables) Suppliers' comprehensive with date of invoice & date of payment columns – of last 2 financial years
• Contracted payment terms of suppliers & mode of transaction – cash purchases, deferred payments, LC etc.- the existing payment methods used by the prospect
• Sample contracts if any with suppliers
• ERP details – SAP/ Tally / Dynamics Microsoft / Odoo / Oracle / Deltek /or any other
• If on SAP, please provide SAP Release, SAP Product Version

SPECIFIC INFORMATION ON SUPPLY CHAIN (INVOICE FINANCE)
 

• Payment method - This will help us to better understand the existing payment methods used by the prospect.
• Payment terms - This will help us to understand the actual terms of payment (in SAP, the individual terms have acronyms, which are not necessarily telling the number of days until payment will be done)
•  Supplier master - This information will help us to a) understand the complexity of the supply chain (number of suppliers, local/overseas, maybe industries involved), but also whether suppliers are already on our records and whether relevant data is maintained in the first place (e.g. for the onboarding process we need your suppliers to have a primary mail-contact and a valid tax-ID)
• Spend report – details *This report gives us a comprehensive overview of the spending for 12 months across all suppliers. The report details information such as supplier ID, invoice date, baseline date, invoice amount, payment date, etc.) This report is key to create an educated estimate about the early payment potential Invoice creation and posting.
• How are invoices submitted? How do you determine the baseline-date when entering invoices in SAP?
•  What is the time spent between invoices received and invoice posted (days)? Data sheet mentioning invoice generation date and payment date.
•  What is the time spent between invoices posted and invoice paid (days)?
•  Do you have any AP-automation solution in place? If yes, which one?
•  Payments - What is your standard payment terms (days)?
•  How many payment runs does your organization do per month?
•  Do you have a payment approval process?
•  What are your payment methods?
•  Is your SAP-system directly connected to your bank(s)?