Commercial Finance

Provision of adequate credit to the SME sector continues to be an important element of banking policy, particularly after the initiation of structural reforms in 1991. SMEs face certain universal challenges such as those related to the issue of collaterals, cost of loans, delay in receivables, obsolete technology, marketing etc. We at Tata Capital Commercial  Finance plan to aid this market by increasing the size of our SME portfolio.

We offer customized products, advisory services and unique solutions for trade and foreign exchange and debt, equity and equity linked instruments. The debt product portfolio includes term loans, both secured as well as unsecured, bill discounting (with recourse/without recourse), invoice discounting and channel finance.

Tata Capital finances enterprises engaged in various sectors such as automobile, real estate, engineering, steel, textiles, hospitality and telecom.

Our SME Finance focuses on the Medium and Top Medium band of Customers, and has grown significantly from Rs.120 crores in September, 2007 to Rs.2383 crores as on 31st March 2009.