A diverse portfolio that meets every need
A diverse portfolio that meets every need Tata Capital has an SME group of highly trained professionals who meet the needs of growing entrepreneurs. We stand by you, providing you with financial and related expertise to ensure that your business ventures are successful.
We offer the following:
Term Loans
Term loans are generally provided as finance for acquiring income producing assets (machinery, equipment and inventory) that generate cash flows for repayment of the loan. The best use of a term loan is for construction; major capital improvements; large capital investments, such as machinery; working capital; purchases of existing business.
Working Capital Demand Loans
Working Capital loans provide your business the cash it needs to keep growing until you can cover all operating expenses out of revenue. These funds provide access to cash which can be used to pay rent or mortgage payments, utilities, marketing expenses, inventory, employee etc. In short it is a loan whose purpose is to finance everyday operations of a company. Tata Capital has a team of experienced customer-focused relationship managers with wide sector experience who can offer you working capital finance by way of cash credit/working capital demand loans suitably structured to your needs and risk profile.
Channel Finance
A smooth cash flow situation is of paramount importance when it comes to running a business. Tata Capital’s vendor and dealer financing services ensure timely availability of finances at reasonable cost which allows for healthy and continuous growth of your business.
Structured Investments
We believe in the SME growth story and are willing to place our bets on upcoming SMEs. Our investments can be structured as either direct equity or mezzanine capital, the latter being in the form of preference shares, convertible bonds or non convertible debentures, based on your need for capital alongside maintaining a healthy debt equity balance. Not only will we share your company’s risk, we will also partner your management to capitalize on the TATA Group’s expertise across diverse sectors.
Lease Rental Discounting
This product is aimed at providing finance to property owners who have fixed rent receivables. These receivables can be clubbed into an upfront payment that can be discounted at very attractive rates. These property owners can then utilize these funds to generate further assets which can yield higher returns. Further, the funds can also be deployed for expansion of business activities.
Bill Discounting/Factoring
Tata Capital’s Bill Discounting / Factoring facilitate discounting for supplies to large corporates made by you. This goes a long way in meeting your working capital needs, and allows you access to funds at competitive rates of interest. Additionally, minimum paperwork and quick transaction delivery makes this an ideal way to meet your working capital needs.
Letter of Credit
The companies you do business with undoubtedly have impeccable credentials. But why take a chance? Tata Capital, with its associate banks offers Letters of Credit facility which arms you with a guarantee of payment, especially useful while transacting with companies who you have had limited exposure in the past. Tata Capital offers two types of LCs, Sight and Usance LCs, both inland and foreign. Our LCs gets sanctioned and issued quickly, and is competitively priced.
Bank Guarantee
Our Bank Guarantees are competitively priced with few requirements like cash margin and collateral security, and will be made available to you in the shortest possible time. With the help of our associate banks, we also issue Bank Guarantees in foreign currency on behalf of our exporters for approved purposes as defined under FEMA, subject to availability of credit limits.
Equipment Finance
Tata Capital’s Equipment Financing Loans are a convenient, hassle-free way to procure the equipment you need to grow your business. Our expertise and experience in equipment financing allows us to simplify the processes involved in getting you the funds you need, whichever part of the country you may be in and whatever may be the nature of your business.
Debt Syndication
We recognize the increasing need of an uninterrupted flow of funds to India’s SME sector, which is expanding both in terms of size and coverage. We offer debt syndication in both rupee and foreign currency through our strong network with associate banks / NBFCs / Tata Capital’s Investment Banking division. Our offering includes syndication of all fund-based and non fund-based products for funding Greenfield as well as expansion projects in India and overseas.
Following are the prominent features of the SME products:
The repayment process is customizable and can be structured to meet the unique needs of each customer.
For further enquiries, write to us at smeloans@tatacapital.com
Tata Capital Effective Rates
| Effective From |
LTLR |
STLR |
| 12th Aug 10 |
15.25 |
13.75 |
| 1st Aug 09 |
15.00 |
13.50 |
| 5th Jun 09 |
15.00 |
14.00 |
| 3rd Jun 09 |
15.50 |
14.00 |
| 15th Jan 09 |
15.50 |
14.50 |
| 1st Jan 09 |
16.00 |
14.50 |
| 1st Nov 08 |
16.00 |
15.00 |
| 1st Oct 08 |
16.00 |
14.00 |
| 1st Oct 08 |
15.25 |
14.00 |
| 1st Aug 08 |
15.25 |
13.50 |
| 26th Jun 08 |
14.75 |
13.00 |
* Terms and conditions apply