Working Capital Financing:
A firm's working capital is the money available to meet current obligations (those due in less than a year) and to acquire earning assets. Chinatrust Commercial Bank offers corporations Working Capital Finance to meet their operating expenses, purchasing inventory, receivables financing, either by direct funding or by issuing letter of credit.
Key Benefits
Short Term Financing
The bank can structure low cost credit programmes and cash flow financing to meet your specific short-term cash requirements. The loans are structured to enhance your profitability by scheduling the repayment to match the cash flow available to repay the debt.
Bill Discounting
Bill discounting is a short tenure financing instrument for companies willing to discount their purchase / sales bills to get funds for the short run and as for the investors in them. These are customized to suit your requirement for short-term finance, from the date of sale to the date of receipt of payment there on.
We consider two types of bills facility viz. where documents are delivered on payment, i.e. D/P Bills and where the documents are delivered against acceptance i.e. D/A Bills.
Export Credit
We offer short-term working capital finance both at the pre-shipment and post-shipment stages Pre-shipment finance facility provides liquidity for procuring raw materials, processing, packing, transporting, meant for export.
Post-shipment finance is a credit facility extended from the date of shipment of goods till the realization of the export proceeds. The different types of post-shipment advances include:
Exporters have the option of availing Post-Shipment finance either in rupees or in foreign currency.
Structured Finance
Structured Finance describes any "non-standard" way of raising money. These tailor-made securities go beyond "standard" securities like conventional loans, debentures, debt, and equity. The reason to structure a more advanced security may be that conventional securities may be unattractive, unavailable or too expensive. These products are structured for both long and short tenor with exit options at intervals for both parties.
Term Lending
CTCB offers very competitive rates for term financing. We also provide advisory services to companies for syndication of the term loans to a wide spectrum of financial institutions. Under Term Finance, Chinatrust Commercial Bank, offers the following: