Our published articles, media coverage, client case studies and practical guides to how lenders and investors decide.
How businesses can look beyond term loans and cash credit: trade finance, asset-backed finance and structured finance, with how each works, where it fits and its limits.
Mint's long story on restaurants building their own delivery channels cites Harsh Poddar's analysis of Swiggy and Zomato quarterly reports: average gross order value per restaurant partner a month has barely grown over eight quarters.
Client. A direct-to-consumer (D2C) food brand based in Karnataka, sourcing high-quality milch animals from Punjab.
The client's account had been incorrectly classified as “Restructured” by its lender, a private sector bank. This resulted in extremely high interest rates, and no other bank was willing to offer financing.
After thorough research of the relevant RBI guidelines, our team identified the error and submitted a detailed letter to the bank requesting that the account be reclassified as “Standard”. Within one week the bank rectified the mistake and restored the account's status. We then helped the client refinance its loan with another bank at a significantly lower interest rate.
The client's working capital limits increased by over 25% and its interest rate fell by nearly 33%. The result was substantial savings and greater financial flexibility to scale the business.
Client. A North India-based rice exporter with annual turnover of over ₹500 crore and a global footprint across Europe and America.
A major delay in payments from a key customer was disrupting the client's cash flow.
In just 5 days, the team at Incremento Business Advisors arranged a bridge loan facility, helping the client meet creditor payments and keep its operations running smoothly.
A few months later the overdue payments were received and the client's cash flow cycle was back on track. Sometimes it is not about the big picture, but about fixing the short-term gaps that keep the wheels turning.
Client. A leading manufacturer of copper products used in cooling units and other equipment.
A high cost of borrowing, arising from multiple unsecured loans, was holding back growth.
Our team helped the client obtain a fresh sanction of working capital facilities at twice its existing limits, while maintaining the same collateral security. The enhanced facilities were used to repay the high-interest unsecured loans.
Profit margins increased significantly as finance costs fell by more than 33%. With the EMI-based loans repaid, fixed monthly cash outflows stopped, giving the business greater financial flexibility.
The main types of working capital finance, how a bank decides your limit, and why you often cannot draw all of it.
DebtHow banks work out a term loan for a new plant or expansion, what the promoter must bring, and which terms to settle early.
Equity & structuredHow venture debt, revenue-based financing, structured credit and surety bonds work, and when each one helps or hurts.
DebtMaximum Permissible Bank Finance is the ceiling a bank calculates for your working capital limit. Here is the arithmetic, the margin you will be asked to bring, and why your drawing power is usually below the limit on your sanction letter.
DebtBorrowers usually ask how much they can borrow. Lenders ask what the cash flow can service. This sets out the calculation that governs the answer, and the four levers that move it.
Equity & structuredVenture debt buys time at a fraction of the dilution of an equity round. It is also the wrong instrument for a company with no visible path to its next round. Here is how to tell which situation you are in.
Our finance tools turn these guides into working calculators: EMI and true loan cost, debt capacity, working capital limit, a bank ratio check and a statutory compliance calendar. Everything runs in your browser.