Term loans, working capital & project finance
VCS excels in arranging debt from banks and NBFCs for both established businesses and new greenfield projects, ensuring competitive rates and swift approvals. Our expertise covers term loans for expansions, working capital for operations, and specialized financing like project loans.
| Product | Suitable For | Providers |
|---|---|---|
| Term Loans | Greenfield projects, expansions, fixed assets (1-10 years tenure) | Banks (e.g., SBI, BOB), NBFCs |
| Working Capital Loans (Cash Credit, Overdraft) | Day-to-day operations, inventory, wages (short-term, flexible) | Banks, NBFCs (co-lending models) |
| Project Finance | New greenfield infrastructure, renewables | Banks, NBFCs (15-17% growth in FY26) |
| NBFC Bonds/Green Bonds | Sustainable projects, MSME lending | NBFCs |
Process
We start by assessing your business plan and funding needs, prepare financial projections and documents, approach lenders via co-lending partnerships, negotiate terms, and handle disbursal—typically 4-8 weeks. In case of green field projects disbursal may take 12 to 18 weeks.
Benefits
Access lower-cost capital than equity (8-12% rates), flexible repayment tied to cash flows, no ownership dilution, and scalability for MSMEs amid NBFC credit expansion to ₹50 lakh crore by 2027.