ISO 9001 : 2008 CERTIFIED

" Home Loan Rates as low as 8.25%" "Home Loan Balance Transfer and Topup at same rate." "Axis Bank offers Processing Fees of 1000/- + GST on Home Loan Balance Transfers." " Home Loans on Gram Panchayat Properties at lowest rate of 8.5 %" "Mortgage Loan (LAP) rate as low as 9.25%." "Home Loan Balance Transfer & LAP for NRI customers" "Home Loan without income documents" "Loans on Commercial Properties viz Industrial Gala, Factory Shed, Industrial Unit." "Government subsidies upto 2.35 Lakhs for 1st time buyers. " " Axis Bank offers total waiver of EMI in "EMI ka happy ending" "Conditions Apply"

Working Capital
Working capital is said to be the life blood of a business. Working capital, signifies funds required for day-to-day operations of the firm. In financial literature, there exists two concepts of working capital, namely gross concept and net concept. According to gross concept, working' capital refers to current assets viz, cash, marketable securities, inventories of raw material, work-in-process, finished goods and receivables. According to net concept, working capital refers to the difference between current assets and current liabilities. Ordinarily, working capital can be classified into fixed or permanent and variable or fluctuating parts. The minimum level of investment in current assets regularly employed in business is, called fixed or permanent working capital and the extra working capital needed to support the changing business activities is called variable, or fluctuating working capital. What is the nature and the scope of working capital decisions? What are the important dimensions of working capital management? What are the basic decision criteria, principles and approaches applicable in the field of working capital management? In this chapter, we shall take up each of these questions and thus take an overview of working capital management.

Term Loan
Definition or Explanation: Term loans are the basic vanilla commercial loan. They typically carry fixed interest rates, and monthly or quarterly repayment schedules and include a set maturity date. Bankers tend to classify term loans into two categories:
ntermediate-term loans: Usually running less than three years, these loans are generally repaid in monthly installments (sometimes with balloon payments) from a business's cash flow. According to the American Bankers Association, repayment is often tied directly to the useful life of the asset being financed.
Long-term loans: These loans are commonly set for more than three years. Most are between three and 10 years, and some run for as long as 20 years. Long-term loans are collateralized by a business's assets and typically require quarterly or monthly payments derived from profits or cash flow. These loans usually carry wording that limits the amount of additional financial commitments the business may take on (including other debts but also dividends or principals' salaries), and they sometimes require that a certain amount of profit be set-aside to repay the loan.
What do banks look for when making decisions about term loans? Well, the "five C's" continue to be of utmost importance.
Character: How have you managed other loans (business and personal)? What is your business experience? "If a corporate executive wants to open a restaurant, then he'd better have restaurant experience," says Rob Fazzini, senior vice president at Busey Bank in Illinois.
Credit capacity: The bank will conduct a full credit analysis, including a detailed review of financial statements and personal finances to assess your ability to repay.
Collateral: This is the primary source of repayment. Expect the bank to want this source to be larger than the amount you're borrowing.
Capital: What assets do you own that can be quickly turned into cash if necessary? The bank wants to know what you own outside of the business-bonds, stocks, apartment buildings-that might be an alternate repayment source. If there is a loss, your assets are tapped first, not the bank's. Or, as one astute businessman puts it, "Banks like to lend to people who already have money." You will most likely have to add a Personal Guarantee.

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