Services
Secured Loan Facilities
Working Capital Loan - Secured Term Loan/ Machinery loan- Letter of Credit - Bank Guarantee - FCIL - CGTMSE - Overdraft Facility
Working capital loans are intended to help a client’s liquidity situation. It is used to cover a company’s running costs, inventory purchases, and receivables finance, among other things. Working capital financing is available in the form of cash credit, overdraft lines of credit, bank guarantees, or working capital loans according to your needs and risk profile. Using its broad network of banks and NBFCs, Kapital Seed 9 assists you in acquiring Working Capital loans.
We examine the characteristics of your business and submit them to a variety of banks and financial institutions. Working capital finance is often flexible, with interest rates and payback terms that fluctuate. This flexibility can aid businesses in smoothing out cash flow during seasonal or periodic variations.
Packing Credit
Packing credit is the most commonly used trade finance tool by an exporter. When compared to domestic sales, the foreign sales cycle is longer, making packaging credit a highly practical and useful line of credit for exporters. The money will be used to buy raw materials, process them, make them, pack them, advertise them, and transport them.
The export packaging credit facility assists the exporter’s supply chain by providing cash to bridge the gap until the final payment from the buyer is received. Based on the estimated risk, the bank that offers the packaging credit frequently advances a portion or all of the invoice. The loan would be made in the exporter’s currency or another easily convertible currency that both the exporter and the lending bank agree on.
Loan against Shares
Our mission is to work with zeal, commitment, and creativity to attain excellence in service, dependability, safety, and customer care as the ultimate goal. We strive to earn the trust and confidence of all stakeholders, exceeding their expectations and making the company a respected name.
Loan against Property
Loans against property (LAP) are essentially bank loans secured by one’s property. LAP is meant to suit the financial demands of someone who currently owns a home or several properties and wants to maximize the value of their holdings. It’s crucial to keep in mind that the property you’re using to secure your loan should be clear of any encumbrances.
LAP is available from banks to both salaried and self-employed persons. Rates and loan amounts vary depending on the value of your home and your annual income. Banks will always want to evaluate all risks, which is why when you ask for a loan against property, the bank will analyse specific elements about your property to limit its risks in making the loan. Your interest rate and loan amount are determined by these criteria.
Export Finance - Post Shipment with collateral
For our Corporate and Financial Institutions clients all over the world, the Export Finance division provides cross-border funding, as well as advice and arranging services. These services are connected to export contracts for capital goods and/or services signed between one or more suppliers and an importer. They usually entail medium- to long-term finance. Export credits and supplier credits are covered whole or partially by an Export Credit Agency (ECA), as well as middle-term loans to foreign organisations.
WareHouse / Cold storage Funding
At Kapital Seed 9, we work with our lending partners in India to offer a variety of loans for warehouse and cold storage funding. We understand the demands of the logistics industry well, and we are better positioned to provide bespoke solutions for our customers in this field, thanks to our 10+ years of financing experience. We are experts in arranging new loans as well as refinancing current loans to make repayments easier.
The Warehouse and Cold Storage Scheme provide finance for the development of a warehouse or cold storage facility, which will mostly be used to store commodities produced by SSI units. The Warehouse and Cold Storage Scheme’s main goal is to encourage SSI units to build warehouses, and storage godowns, and buy material handling equipment such as overhead cranes, forklifts, weighing machines, and cold storage facilities.
Bill Discounting
To major corporations, Kapital Seed 9 offers Purchase and Sale Bill Discounting, as well as Invoice Discounting for OEM/vendors. We collect the bill drawn by the borrower on his (borrower’s) customer and pay him instantly after subtracting a discount/commission amount. On the due date of the Bill, we submit it to the borrower’s client and collect the whole payment. If the bill is not paid on time, the borrower or his client is charged a pre-set interest rate, which is defined by the conditions of the transaction. Bills are divided into four categories: LCBD (LC Bill Discounting), CBD (Clean Bill Discounting), DBD (Drawee Bill Discounting), and IBD (Individual Bill Discounting) (Invoice bills discounting).
With our bill discounting service, you’ll have instant access to money. With our bank’s specialist trade financing set-up, you’ll get customised solutions that meet your business’s demands, as well as access to our countrywide network of branches and correspondent banks. Unsecured Bill Discounting is also available with us.
Loan against Bank Guarantee
A bank guarantee is a non-fund-based instrument that is not convertible into a fund-based instrument that can be used by businesses to acquire raw materials when their real working capital limit has been reached. Kapital Seed 9 enables businesses to access capital and even raw materials through the use of unused Bank Guarantee limitations. The lowest rate of Interest, no upfront service costs, no maximum limit limitation, and interest calculated on a per-day use basis are among the characteristics.
Corporate Insurance
Insurance for Factory, Land & Building
The Kapital Seed 9 facilitates insurance with the collaborative partners to protect all of your goods and inventories against a variety of hazards such as fire, implosion, explosion, and natural disasters such as storms, floods, and earthquakes. Additional factory and warehouse insurance coverage options include theft and burglary, electrical and mechanical failure, money insurance, and all-risk laptop insurance, all of which can be included in factory insurance plans.
Land insurance covers your business’s assets, such as your building, equipment, and retail furnishings, among other things. Replacing or restoring stolen assets, as well as items damaged or destroyed by fires, windstorms, or other calamities pays off. Property and general liability insurance are sometimes combined and marketed as a bundle known as a company owner’s policy (BOP). You may also get separate business interruption insurance or add it to your property insurance policy as an endorsement.
Employee Health Insurance
Employee health insurance is a benefit that a business provides to its employees. It not only protects the individual who works for the company, but it also includes the rest of the family members. It’s a fantastic retention technique since employees feel their bosses care about them. Employee morale and productivity are improved. Employers who provide health insurance to their employees may be eligible for tax breaks under numerous parts of the Internal Revenue Code.
At Kapital Seed 9, each employee can personalize their health coverage. They have the option of including or excluding people from the insurance, as well as modifying their coverage with top-up and add-on coverage. All of the health perks have been carefully selected to maintain employees in good physical and mental health.
Machinery Insurance
Machinery Insurance protects rotating and static equipment against mechanical and electrical breakdown, as well as human mistakes and carelessness, while it is in use or at rest. Accidental, electrical, and mechanical malfunctions as a consequence of internal and external factors are all covered by the policy. You are protected while the machinery is in use, at rest, or in the process of being disassembled, overhauled, or afterwards re-erected at the same location. Other than defined excluded risks and kinds of damage, you can also protect equipment foundations, masonry, brickwork, and oil in transformers from unanticipated and abrupt physical loss or damage.
Stock/ Inventory Insurance
The stock and inventory insurance provides additional coverage. To avoid an uncomfortable conversation regarding the responsibility to pay damages with the customer in the event of a claim. As a result, our stock and inventory warehouse insurance provides additional coverage for the freight forwarder and his clients. The cover has a protective quality to it, which adds to the value of the client connection. It’s a first-risk cover that doesn’t specify specific item classes. This is a first in property insurance since it necessitates the particular insurance amount as well as the specified sort of commodities.
Unsecured Facilities
Unsecured Business loan
Unsecured loans are a kind of financing where the borrower is not required to furnish any collateral to the banks or NBFC. These unsecured business loans are based on an applicant’s financial records, credit score, and income, among other factors. Without providing any collateral or security to the bank, an unsecured business loan for a startup with a minimum vintage of 2 years can be used to establish a new firm or manage the business flow. With an unsecured business loan from Kapital Seed 9, you may take your company to new heights. We pledge to assist you in scaling up your business as quickly as possible and to be your partner in the process.
Channel Financing
Channel financing is a unique financial technique in which the bank satisfies the numerous fund requirements throughout your supply chain at the supplier’s end, allowing you to maintain a smooth business flow through the enterprise’s arteries. The application process for channel funding is simple. If the documentation is in order, the funds can be released in as little as three days. Through channel finance, eligible profiles may get a loan of up to 7.5 lakh without putting up any collateral. Any device, from anywhere, may be used to run and administer the loan account. A simple payment procedure is ensured with flexible payments throughout the term. Depending on the business revenue, the loan might be repaid over a short or extended time.
Vendor Financing
Vendor financing is a financial phrase that refers to a vendor lending money to a client who then uses the money to buy the vendor’s goods or services. Vendor Finance, also known as Supplier Finance or Trade Credit, is a revolving credit agreement that allows the borrower to borrow money from his vendor regularly following each payment. It’s usually a secured loan, with the borrower pledging his assets or invoices as security.
Vendor financing can also be utilised to pay off a credit card debt. Under the delayed credit agreement, the borrower will not be expected to pay for their products in full at the time of purchase. Alternatively, customers might wait until the final items are sold before completing the payment.
Inventory Financing
Inventory finance is a type of credit used by firms to pay for things that aren’t meant to be sold right away. The inventory that is purchased serves as security for the financing. Smaller privately held enterprises that don’t have access to other finance sources frequently employ inventory financing.
It’s a short-term, asset-backed financing solution that a firm can use to cover non-inventory-related expenditures. Financial services organisations normally consider this strategy to be unsecured, and it is given to small and medium-sized shops or wholesalers with a large inventory. To qualify for this benefit, a borrower must pledge their firm inventory as collateral to acquire money and cover the costs of a short-term financial crisis.
CGTMSE Scheme
The Government of India created the Credit Guarantee Funds Trust for Micro and Small Enterprises (CGTMSE) under the Ministry of Micro, Small and Medium Enterprises (MoMSME) and the Small Industries Development Bank of India (SIDBI). The CGTMSE plan, which was established in 2000, provides credit guarantees to financial institutions that lend to Micro and Small Businesses (MSEs). MSEs in India can get credit guarantees ranging from 75% to 85% under the CGTMSE plan.
Private Equity
Private equity is a type of alternative investment that involves money that isn’t traded on a public market. It is made up of funds and investors that either invest directly in private enterprises or engage in buyouts of public corporations, culminating in the delisting of public stock. A private equity fund, like a mutual fund or a hedge fund, is a pooled investment vehicle in which the adviser pools the money placed in the fund by all of the investors and utilises that money to make investments on the fund’s behalf. Private equity firms, unlike mutual funds and hedge funds, tend to focus on long-term investment possibilities in assets that take time to sell, with an investment time horizon of 10 years or more.
