Working capital finance
Axis Bank offers Corporate Loans to businesses and corporations in the form of working capital, Term Loans and Structured Finance Solutions. The working capital finance solutions include cash credit, Overdraft or Working Capital Loans, suitably structured to the needs and risk profile of businesses.
We offer corporate finance and capital finance to businesses as part of a consortium or as a sole banker. Our working capital finance products are designed to ease your business's liquidity position and come with several facilities, such as internet banking, phone banking, etc.
Term Loans
The demands of business expansion and upgradation can put considerable pressure on a company's finances. This is the reason Axis Bank offers loans to corporations, including structured credit solutions to help you with your short-term and long-term fund requirements.
We offer Term Loans for infrastructure, project funding, real estate, and other corporate requirements. These loans are offered at competitive interest rates and are structured to enhance your business's profitability by scheduling repayment to match the cash flow available. We also provide advisory services for syndicating Term Loans to a wide spectrum of financial institutions.
Corporate Loans - Trade Services
Axis Bank takes pride in being a leading provider of trade finance services, offering a wide range of solutions tailored to meet your export and import needs. Whether your business operates in manufacturing, trading, or services, we deliver customised trade services across industries, segments, and regions.
Our offerings include import financing, export financing, letters of credit, bank guarantees, collection services, and trade advisory services. Backed by a professional team of trade experts, we ensure quick document processing, comprehensive MIS, and timely updates to simplify your trade operations. With our support, you can focus on global expansion while we take care of your financial requirements.
We offer both buyers' and suppliers' credit. The financing is available in all major currencies.
We offer the following facilities in both local and foreign currencies.
- Pre-shipment financing: This facility is offered to exporters as packing credit to enable them to finance the purchase or import of raw materials, processing, and packing of the goods meant for exports.
- Post-shipment financing: Post-shipment credit is offered to exporters to finance their export sales receivables after the date of shipment of goods till the date of realisation of export proceeds.
- Negotiation or discounting.
- Advances against collection bills (AACB): This offering is in the form of a loan provided to exporters to bridge their working capital gap that exists before the export proceeds are realised. The rate for this advance is the same as the post-shipment rate for exports as prescribed from time to time by RBI. Once the export proceeds are realised, the loan is liquidated.
Whether you are an exporter or an importer, Axis Bank offers a gamut of services to meet your entire Letter of Credit requirement including Opening, Negotiating or Discounting, Advising, Confirming, Standby LC, Reimbursement and Foreign Exchange services. In addition to our overseas branches we also have an extensive correspondent bank network. We also structure complex Letters of credit to suit specific transaction requirements.
- Advising Export Letters of Credit: One of the key offerings of the Bank under exports is advising Export Letters of Credits. These LCs are advised to the beneficiary most expeditiously and within a committed time period.
- Confirmations of Letters of Credit: The bank also confirms letters of Credit for its customers. Once the bank has confirmed a letter of Credit, it steps into the shoes of the Issuing Bank. It therefore has no recourse to the exporter, once it provides post shipment credit and has recourse only to the issuing bank.
We offer a range of guarantees, including performance, financial, bid bonds, and more. Our guarantees are widely accepted by government agencies, capital market entities, and major corporations. Beyond locally issued guarantees, our alliances with overseas correspondent banks enable us to issue guarantees for global tenders, ensuring your business can seamlessly participate in international opportunities.
Collection services
Axis Bank provides flexible and efficient handling of commercial and financial documents for imports, exports, and local trade. We ensure smooth and reliable processing with our extensive local branch network and correspondent banking arrangements.
- Local bill collections: Our nationwide branch network enables us to effectively process and follow up on your LC-backed and clean bills for collection.
- International bill collections: We offer prompt and efficient collection services for imports, exports, and LC-based bills through our overseas branches and a wide correspondent bank network.
The trading limit is the maximum exposure tat a customer can have at a time. This limit that will be granted will be a pre-determined number of times (referred to as a multiple) the customers margin amount.
The features and benefits that one could avail by opting for foreign currency demand draft include:
Corporate Loans - Structured Finance
Axis Bank offers tailored solutions for corporates in the form of structured finance solutions. Our services include project appraisals, underwriting or syndication of Corporate Loans and Project Loans, mergers and acquisitions financing, secondary purchase and sale of loan products, and hedging of currency and interest rate exposures. These structured finance solutions are designed to simultaneously mitigate credit and price risk. We provide customised solutions to meet the requirements of our clients while mitigating the credit and price risk at the same time.
Axis Bank provides tailor made solutions to meet our clients' requirements, while mitigating the credit and price risk at the same time.
Services
- Project appraisals.
- Underwriting or syndication of Corporate Loans and Project Loans.
- Mergers and acquisitions financing.
- Secondary purchase and sale of loan products.
- Hedging of currency and interest rate exposures.
Corporate Loans - supply chain management
Axis Bank offers Corporate Loans tailored for the supply chain management needs of businesses. Our products address the funding requirements of supply chain members, enhancing the operational efficiency of the entire chain. Service delivery is facilitated through a technology platform designed to provide convenience and transactional ease. Our funding solutions include dealer financing, factoring of receivables, purchase invoice financing or vendor financing, and rent receivable financing.
- Dealer financing: This product provides financing facilities to corporate dealers or distributors for their purchases. It ensures easy access to finance, strengthens the corporate distribution network, and enhances overall supply chain effectiveness.
- Factoring of receivables: Factoring involves purchasing accounts receivable in trade transactions. Sellers gain immediate liquidity, buyers enjoy affordable credit, and corporates boost sales while efficiently managing receivables.
- Purchase invoice financing or vendor financing: This solution supports vendors by financing their supplies to corporates, improving vendor cash flow. It enhances the supply chain’s reliability and enables corporations to build a robust vendor base.
- Rent receivable financing: Designed for companies renting out assets like computer hardware, furniture, and construction equipment, these loans are advanced against future rent receivables, providing necessary liquidity.
Corporate Loans – Overseas transactions
Axis Bank provides overseas transactions through its existing branch in Singapore. Corporate overseas transactions include ECBs, acquisition financing, loan underwriting and syndication, buyers’ and suppliers’ credit, back-to-back LCs, and other structured trade finance products.
These overseas transaction services will soon be extended on the commencement of our proposed branches in Hong Kong and Dubai.
Through our existing overseas branch at Singapore, we provide the following services:
- ECBs.
- Acquisition financing.
- Loan underwriting and syndication.
- Buyers and suppliers' credit.
- Back-to-back LCs.
- Other structured trade finance products.
These services will soon be extended on commencement at our proposed branches in Hong Kong and Dubai.
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