● WORKING CAPITAL FINANCING:
A firm's working capital is the money available to meet current obligations (those due in less than a year) and to acquire earning assets. Chinatrust Commercial Bank offers corporations Working Capital Finance to meet their operating expenses, purchasing inventory, receivables financing, either by direct funding or by issuing letter of credit.
Key Benefits

• Funded facilities, i.e. the bank provides funding and assistance to actually purchase business assets or to meet business expenses.
• Non-Funded facilities, i.e. the bank can issue letters of credit or can give a guarantee on behalf of the customer to the suppliers, Government Departments for the procurement of goods and services on credit.
• Available in both Indian as well as Foreign currency.

● SHORT TERM FINANCING
The bank can structure low cost credit Programmes and cash flow financing to meet your specific short-term cash requirements. The loans are structured to enhance your profitability by scheduling the repayment to match the cash flow available to repay the debt.

● BILL DISCOUNTING
Bill discounting is a short tenure financing instrument for companies willing to discount their purchase / sales bills to get funds for the short run and as for the investors in them, it is a good instrument to park their spare funds for a very short duration. These are customized to suit your requirement for short-term finance, from the date of sale to the date of receipt of payment there on.
We consider two types of bills facility viz. where documents are delivered on payment, i.e. D.P.Bills and where the documents are delivered on acceptance i.e. D.A.Bills.

● EXPORT CREDIT

We offer short-term working capital finance both at the pre-shipment and post-shipment stages
Pre-shipment finance facility provides liquidity for procuring raw materials, processing, packing, transporting, warehousing of goods meant for export. Pre-shipment finance is extended in the following forms:

• Packing Credit in Rupees
• Packing Credit in foreign currency (PCFC)

Post-shipment finance is a credit facility extended from the date of shipment of goods till the realisation of the export proceeds. The different types of post-shipment advances include:

• Export bills purchased/discounted
• Export bills negotiated (against letter of credit)
• Advances against bills sent on collection basis
• Advances against exports on consignment basis
• Advances against undrawn balances
• Advances against Duty Drawback

Exporters have the option of availing Post-Shipment finance either in rupees or in foreign currency.

● STRUCTURED FINANCE
Structured Finance describes any "non-standard" way of raising money. These tailor-made securities go beyond "standard" securities like conventional loans, debentures, debt, and equity. The reason to structure a more advanced security may be that conventional securities may be unattractive, unavailable or too expensive. These products are structured for both long and short tenor with exit options at intervals for both parties.

● TERM LENDING

We offer very competitive rates for term financing. We also provide advisory services to companies for syndication of the term loans to a wide spectrum of financial institutions.
Under Term Finance, Chinatrust Commercial Bank, offers the following:

• Fund Based Finance for capital expenditure / acquisition of fixed assets towards starting / expanding a business or industrial unit or to swap with high cost existing debt from other bank / financial institution.
• Non-Fund Based Finance in the form of Deferred Payment Guarantee for acquisition of fixed assets towards starting / expanding a business or industrial unit.

● LEASE RENTAL DISCOUNTING (LRD)
Lease rental discounting offers immediate liquidity, against commercial property, to lessors/ property owners who have leased out their properties.

The product is aimed at providing Term Loan to owners of commercial / residential properties who have let them out to reputed companies (Commercial, Industrial, Software, Multinational Companies), Banks, Financial Institutions, Insurance Companies etc. on lease basis thus having fixed rent receivables.

These receivables can be clubbed and discounted at attractive rates. The property owners can then utilize these funds for any purpose including meeting business and personal needs for generating further assets, which can yield higher returns for themselves. Further, the funds could also be deployed for expansion of their business activities. This will give a source to accelerate the rotation of their funds.

Information evaluated in the product offering includes:

• Lessee details
• Lessor details
• Property profile including criticality of the premises for the lessee's operations
• Deal structure and
• Cash flow pattern envisaged in the agreement(s)

The actual discounted amount will be determined after taking into account factors like rent receivables during the unexpired period of tenancy, tax deducted at source and other.