R A Y O N

Debt

DEBT

 
Rayon Capital provides full-fledged debt syndication and fund-raising services to its clients through its alliance with leading Banks, NBFC’s and other financial institutions. We facilitate arrangement of funds for clients in the form of debt, including loan syndication and restructuring through banks and financial institutions. We assist SMEs and Corporates by arranging both long-term and short-term finance.

Our experienced and qualified team of professionals provide appropriate solutions to the clients with respect to raising loans through banks and financial institutions. The team has been dealing transparently and takes a balanced view on the risk perceptions. We have been instrumental in leading debt syndication solutions across industries like manufacturing, FMCG, Infrastructure, Real Estate, Hospitality, Tourism, Food, Export Finance, Healthcare, among others. Our expertise in raising loans helps us to close the debt syndication process in a timely and effective manner.

Business Fund Mobilization
SOURCES UTELIZATIONS
OWN FUNDS
  • Promoter Capital
  • Reserves & Surplus
  • Friends & Family (Net Worth)
FIXED ASSETS
  • Building
  • Plant & Machinery
  • Furniture & Fixtures
BORROWED FUNDS
  • Banks / NBFC’s
  • Financial Institutions
  • Advances to Others
  • Investments
  • Creditors
  • Other Current Liabilities
CURRENT ASSETS
  • Stock
  • Debtors
  • Cash Balance

OWN FUNDS

  • Promoter Capital
  • Reserves & Surplus
  • Friends & Family (Net Worth)

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CLASSIFICATION OF LOAN PRODUCTS
RETAILS
SECURED WITH COLLATERALS UNSERCURED WITHOUT COLLATERALS
Home Loan (HL) Personal Loan (PL)
Loan Against Property (LAP) Business Loan (BL)
Loan Against Commercial Purchase (LACP)
Loan Against Rent Receivables (LARR)
SME
WORKING CAPITAL TERM LOAN
Cash Credit (CC Limit) Project Funding
Overdraft Facility (OD Limit) Machinery & Equipment Finance (MEF)
Letter of Credit (LC Limit) Working Capital Term Loan (WCTL)
Bank Guarantee (BG Limit)
Exporter & Importer Finance
Product TAT Rate of Interest Processing Fee Insurance
SECURED (with collateral) RETAIL LOANS
Home Loan 07 to 30 Days 6.50% to 11.00% 0.10% to 1.00% 0.50% to 1.00%
LAP / LACP / LARR 10 to 30 Days 7.00% to 13.00% 1.00% 0.50% to 2.00%
UNSECURED (Without Collateral) RETAIL LOAN
BL 02 to 10 Days 16.00% & Above 2.oo% 0.50% to 1.00%
PL 1 to 7 Days 11.00% & Above 1.00% – 2.oo% 0.50%
SME LOANS
Working Capital 30 to 90 Days 09% to 12% 1.00% 0.50%
Term Loan 30 to 90 Days 09% to 12% 1.00% 1.00%

OWN FUNDS

  • Promoter Capital
  • Reserves & Surplus
  • Friends & Family (Net Worth)OWN FUNDS

 

BORROWED FUNDS

  • Banks / NBFC’s
  • Financial Institutions
  • Creditors
  • Other Current Liabilities

Business Fund Mobilization

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bussiness fund

CLASSIFICATION OF LOAN PRODUCTS

RETAILS

Home Loan (HL)
Loan Against Property (LAP)
Loan Against Commercial Purchase (LACP)
Loan Against Rent Receivables (LARR)

Cash Credit (CC Limit)
Overdraft Facility (OD Limit)
Letter of Credit (LC Limit)
Bank Guarantee (BG Limit)
Exporter & Importer Finance

CLASSIFICATION OF LOAN PRODUCTS

SME
working capital

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OWN FUNDS

  • Promoter Capital
  • Reserves & Surplus
  • Friends & Family (Net Worth)OWN FUNDS

 

BORROWED FUNDS

  • Banks / NBFC’s
  • Financial Institutions
  • Creditors
  • Other Current Liabilities

Terminology

  • Turnover
  • PBT & PAT
Profit Before Tax / Profit After Tat
  • Depreciation
  • Finance Cost
  • Remuneration
  • Debtor
  • Creditor
  • Stock
  • DSCR
Debt-Service Coverage Ratio
  • EBITDA
Earnings Before Interest, Taxes, Depreciation & Amortization
  • LTV
Loan to Value Ratio
  • FOIR
Fixed Obligation to Income Ratio
  •  ABB
Average Bank Balance
  • BT / Takeover
Balance Transfer to Other Bank / Takeover by other bank
  • NTB
New to Bank
  • DP
Documents against Payment
  • Market Value
  • FOIR
Fixed Obligation to Income Ration
  • a. It is the percentage of Monthly Income which the
  • b. Bank consider for EMI Payment
  • c. Normally Maximum FOIR considered by Bank is 60% – 70%
  • LTV
Loan to Value Ratio