SME-Mid segment offers mid and longer term financial solutions to a wide range of clienteles who are in their journey to emerge as promising corporate houses in near future. Our portfolio comprises of various private limited companies, partnership and proprietorship concerns with promising business opportunities. We offer a range of financial services which includes, but not limited to-

Lease Financing

• Asset backed financing against industrial machineries, commercial equipments, office equipments, generators, vehicles, vessels, engines, etc.
• Financing may be extended up to 100% of the cost
• Flexibility regarding security/collateral issues.
• Usually for a tenure of 2 to 5 years
• Repayment through monthly rentals
• Rentals may be equal or structured (step-up, step-down, bullet, etc.)
• Legal ownership remains in the name of IDLC throughout lease period
• Ownership is transferred to the client at the end of term

Sale & Lease Back

• Financing against any of the existing (already procured/in-use) industrial machineries, commercial equipments, office equipments, generators, vehicles, vessels, engines, etc.
• The ownership of the asset comes to IDLC at the point of financing
• Financing may be extended upto 100% of the written down value (cost net of depreciation) depending on the condition of the machine
• Usually for a tenure of 2 to 5 years depending on original date of purchase and current condition of the asset
• Repayment through monthly rentals
• Rentals may be equal or structured (step-up, step-down, bullet, etc.)
• Ownership is transferred to IDLC at the time of financing and remains in the name of IDLC throughout lease period
• Ownership is re-transferred to the client at the end of term

Term Loan

• For meeting various regular capital/fixed expenditures like balancing of production line, modernization of manufacturing process, expansion of capacity and space, etc.
• Usually for a tenure of 1½ to 5 years
• Repayment through monthly installments
• Installments may be equal or structured (step-up, step-down, bullet, etc.)
• Flexibility regarding security/collateral issues.

Project Financing - Fixed cost

• For setting up of a new unit as addition to the existing product line and capacity, a new concern of an existing group, a new Joint Venture project of an existing company, etc.
• Required debt-equity ratio is maintained
• Financial solution for the entire project may be provided through mix of different financial tools from wide range of services offered by IDLC.
• Lease/Loan tenure varies based on product type. For fixed assets financing, financing tenure may prolonged up to 6 years
• Deferred repayment structure is available depending on financial product

Bridge Financing

• For meeting the funding requirements of the borrower for any interim period
• Usually for shorter term
• Generally through bullet payments
• Deferred repayment structure is available depending on financial product

Refinancing of Existing Liabilities

• For matching the repayments with cash flows, allowing some more time for repayment, releasing working capital limits (which got exhausted due to meeting capital expenditures using short term credit lines) refinancing of existing good quality liabilities is made
• Terms and repayments are similar to those of term loans

Long Term Finance for Real Estate Developers

• Financing to developers for meeting the capital expenditures/construction costs of any specific real estate project, both residential and commercial
• A debt-equity ratio is maintained
• Disbursements are usually made in phases with progress of construction work
• Tenure of loan can be up to 6 years depending on nature of the project
• Repayment can be made every quarter or month through equal or structured installments

Loan to corporate houses to procure commercial space

• Financing to corporate clients for procuring office/commercial space
• Loan term may extend up to 6 years, depending on the feasibility.
• Repayment can be made every quarter or month through equal or structured installments