Term loans: Investeurs assists clients to avail long term loans for pre-specified periods from banks and financial institutions. The interest rates in case of the term loans from banks depend upon the credit appraisal of the client.

Loans for purchase of assets (vehicle, equipment) are of a medium term nature with loan periods extending from 3-5 years. Such loans may be availed from Banks, Financial Institutions, Non-Banking Finance Institutions (NBFCs) and Packaged Financing in which the manufacturer (either on its own or through a tie-up with a preferred financier) arranges financing of its products.

Equipment Financing: This instrument is extended for specific equipment being installed either at the new project stage, capacity addition, diversification or modernization. The equipment generally financed by this instrument includes Construction Equipment, DG Sets, Medical Diagnostic Equipment, Injection Molding Machine, Printing Press, Air Conditioning Equipment, Machine Tools, Office Equipment & Computers, Other Selected/ Identified General Equipment.

Investeurs assists clients in meeting the formalities required by equipment finance companies, including documentation for application, follow-up regarding appraisal, sanction and disbursement and post-sanction legal documentation.

Standard Terms of Equipment Financing:

Leasing: Leasing is an off-balance sheet financing option to raise additional resources for expansion, diversification and modernization. In, Financial Lease, the lessee (the client) has possession of the asset and uses the same on payment of specified rentals and other usual charges / fees, while the lessor (the bank) retains ownership of the asset. There is usually no margin requirement on the part of the client, unlike other medium term financing options.