Fund-Based Working Capital Facilities
(Direct Liquidity Support)
Fund-based limits provide immediate access to funds for managing inventory, operational expenses, and short-term obligations.
Cash Credit (CC)
One of the most common forms of working capital finance. Businesses can withdraw funds up to a sanctioned limit based on:
- Stock statements
- Book debts
- Receivables
Benefit: Interest is charged only on the utilized amount, making it a flexible liquidity solution.
Overdraft (OD)
An Overdraft facility allows businesses to withdraw funds beyond their available bank balance.
Key benefits include:
- Interest charged only on usage
- Ideal for temporary cash flow mismatches
- Quick access to short-term liquidity
Working Capital Demand Loan
A short-to-medium-term loan structured to provide robust operational support.
Structured to:
- Meet margin requirements
- Finance bulk purchase orders
- Support seasonal demand spikes
Trade & Export Finance Solutions
For exporters, importers, and growing enterprises, trade finance services reduce risk and improve global transaction efficiency.
Pre-Shipment Finance
(Packing Credit)
Funding provided before shipment to:
- Purchase raw materials
- Manufacture goods
- Manage export-related expenses
This ensures smooth execution of international orders.
Post-Shipment Finance
Convert export invoices into immediate liquidity after shipment, eliminating delays caused by:
- 30-day payment cycles
- 60-day credit terms
- 90-day receivable periods
Bill Discounting
Turn unpaid invoices into instant cash by discounting bills of exchange or promissory notes.
This improves cash flow without increasing long-term debt.
Non-Fund Based Limits
(Credit Enhancement Facilities)
Non-fund facilities strengthen your credit profile without blocking working capital.
Letter of Credit (LC)
A bank-backed guarantee ensuring payment to suppliers upon fulfillment of agreed conditions.
- Enhanced supplier trust
- Secure domestic & international trade
- Reduced advance payment risk
Bank Guarantee (BG)
We facilitate multiple types of Bank Guarantees, including:
- Performance Guarantee
- Financial Guarantee
- Bid Bond Guarantee
BG facilities help businesses secure government tenders, infrastructure contracts, and large private projects.
Supply Chain Finance
Efficient supply chain financing strengthens your entire business ecosystem.
Channel Financing
Enable distributors and dealers to access credit for purchasing your products, leading to:
- Increased sales volume
- Faster inventory movement
- Stronger market penetration
Vendor Financing
Ensure timely payments to suppliers, improving:
- Vendor relationships
- Negotiation power
- Pricing advantages
Why Choose Genius Corpaid for Working Capital Advisory?
Strategic Structuring
We design the optimal mix of:
- • Cash Credit (CC)
- • Overdraft (OD)
- • Letter of Credit (LC)
- • Bank Guarantee (BG)
Goal: Minimize interest costs and maximize limit utilization.
End-to-End Execution
From preparing CMA data (Credit Monitoring Arrangement) to documentation and bank liaisoning, we manage the complete working capital approval process.
Fast-Track Sanctioning
Our strong network ensures quicker processing and structured negotiations with:
- • PSU Banks
- • Private Sector Banks
- • NBFCs
Govt-Backed Support
We integrate eligible state and central government schemes, including CGTMSE, to reduce collateral requirements and lower borrowing costs.
Ready to Optimize Your Working Capital?
Ensure your business never faces a cash flow disruption. Partner with Genius Corpaid to secure the optimal liquidity structure for your enterprise.