Selecting the appropriate debt instrument prevents liquidity crunches and matches repayment obligations to revenue generation.

1. Working Capital Loans (Cash Credit / Overdraft)

Designed to fund day-to-day operational expenses, inventory procurement, and accounts receivable cycles. Interest is charged strictly on the utilized amount on a daily basis.

2. Term Loans

Fixed lump-sum capital disbursed for long-term investments like purchasing industrial machinery, building factory sheds, or expanding office infrastructure, repaid through structured monthly EMIs over 3 to 7 years.