The funding remains the key raw material for growth of the company. Any activity of business starts with investment and then to run the business working capital is needed. Today, Government through various programs offering funding to eligible & viable businesses, various banks through loan& credit services providing funds and NBFCs are also the source of funding. Financing services includes not only the fund arrangements but also includes managing the money i.e. treasury management, ensuring working capital availability, Investment functions, Bank liaisoning etc.
At Stoch, we provide one stop solution from fund arrangement to fund management. We have contacts with various banks and own DSA licenses as well which simplify the process of financing for our clients. We believe that all the efforts should be made to make a business run and if finance is a problem, then with the help of strategic partnerships with banks we try to resolve. We are empaneled with banks like PNB, PSB, HDFC, ICICI, IDBI and other PSU Banks and our team has extensive experience and aware of lending norms, monitoring and follow-up process.
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A personal loan is a loan that does not require collateral or security and is offered with minimal documentation.
A home loan is an amount an individual borrows from a financial institution such as a housing finance company to buy a new or a resale home, construct a home or renovate or extend an existing one.
A business loan is borrowed money that businesses use to cover costs they can't afford on their own in the short term. Loans are not provided without charge.
A Land loan or plot loan as the name suggests is a loan provided by banks to borrowers for the purchase of a plot of land. The repayment is done in Equated Monthly Instalments (EMI) within a specific tenure prescribed by the bank.
Loan against securities is a loan where you pledge your shares, mutual funds or life insurance policies as collateral to the bank against your loan amount.
A term loan provides borrowers with a lump sum of cash upfront in exchange for specific borrowing terms. Borrowers agree to pay their lenders a fixed amount over a certain repayment schedule with either a fixed or floating interest rate.
Cash Credit and Overdraft are referred to as credit limits sanctioned by banks wherein both of these financial instruments can be used to avail funds against the hypothecation of inventory in case of Cash credit and financial statements of the account holder(s) for Overdraft.
An education loan is a sum of money borrowed to finance post-secondary education or higher education-related expenses. Education loans are intended to cover the cost of tuition, books and supplies, and living expenses while the borrower is in the process of pursuing a degree.
