Corporate Term & Growth Loans
Long-Term Capital for Corporate Growth & Expansion
As businesses scale, they need structured capital to support strategic decisions—new plants, technology upgrades, acquisitions, or long-term working capital. Finseich’s Corporate Term & Growth Loans are designed for mid-size and large corporates who are ready to move to the next level.
We offer customised loan structures aligned with your projected cash flows, sector dynamics, and balance sheet strategy, so that growth decisions are backed by stable, sustainable funding.
What Can a Corporate Term & Growth Loan Be Used For?
Corporates can use this facility across a wide range of strategic and long-term requirements:
1. 🏭 Capacity Expansion & New Units
- Fund new plants, production lines, offices, branches, or regional hubs.
2. 🧩 Acquisitions & Strategic Investments
- Support stake purchases, mergers, and strategic alliances in line with your growth plan.
3. 💻 Technology & Digital Transformation
- Invest in ERP, core systems, automation, analytics platforms, and digitisation.
4. 🏢 Infrastructure Development & Modernisation
- Upgrade facilities, corporate headquarters, warehouses, and support infrastructure.
5. 🔄 Long-Term Working Capital Optimisation
- Replace expensive short-term borrowing with structured term funding.
6. 🌍 New Market & Geography Expansion
- Enter new cities or countries with the backing of reliable growth capital.
Why Corporates Choose Finseich
We partner with corporates beyond just lending numbers. Our focus is on understanding your strategy and designing a facility that fits your growth roadmap.
- Customised structuring based on project and cash flows
- Combination of term loan + structured working capital where required
- Sector understanding and relationship-driven approach
- Transparent terms and professional documentation
- Dedicated credit and relationship team
- Digital monitoring support where applicable
Eligibility Criteria
Indicative eligibility checkpoints for Corporate Term & Growth Loans include:
- Incorporated company / large partnership / institution with clear governance
- Established operating history (typically 3+ years)
- Consistent turnover and positive business fundamentals
- Acceptable leverage and repayment capacity
- Satisfactory bureau record and banking track for the entity and key promoters/directors
Documents Required
- KYC of company, directors, and key shareholders as applicable
- Certificate of incorporation, MOA/AOA or partnership / LLP deed
- Audited financial statements for recent years
- Latest management financials and projections for the project
- Bank statements and existing facility details
- Project reports, utilisation plans, or acquisition details where applicable
Loan Features
Our corporate term structures are flexible, designed around the life of your project or growth plan.
- Ticket sizes tailored to corporate requirement and credit profile
- Tenure aligned with asset life or project cash flows
- Options for structured repayments, moratoriums and ballooning EMIs where suitable
- Competitive pricing with clarity on all charges upfront
- Periodic review and scope for enhancement as business scales
Our Simple Loan Process
Step 01
Discussion on Requirement
- Share your growth plan, funding need, timelines, and broad structure expectations.
Step 02
Information & Document Review
- Our team studies financials, projections, sector context, and risk parameters.
Step 03
Credit Assessment & Structuring
- We finalise limits, tenure, security, and repayment structure suited to your cash flows.
Step 04
Sanction, Documentation & Disbursal
- On acceptance of terms, documentation is completed and funds are disbursed as per agreed schedule.
Frequently Asked Questions
Mid-size and large corporates, institutional borrowers, and well-established
businesses with clear governance and financials can apply, subject to
internal credit policies.
In most cases, these are structured as secured facilities backed by
collateral, cash flows, or project assets. Security and structure are
finalised case by case.
Pricing depends on risk profile, tenure, security, sector outlook and
other credit parameters. All commercial terms are shared transparently in
the sanction letter.
Where the project cash flows justify it, a limited moratorium on principal
may be considered as part of the overall structure, subject to policy and
credit approval.
In some situations, refinance or consolidation of existing facilities may
be evaluated, provided it improves the financial profile and aligns with
agreed structure and risk appetite.
Yes, as your business scales and repayment track remains strong, limits can
be reviewed and enhancements may be considered under the prevailing credit
framework.
