Financing-lending-business

FINANCING AND LENDING BUSINESS

EASY LIQUIDITY NOW WITHIN YOUR REACH TO MEET YOUR FUND REQUIREMENTS

We at JM Financial Products Limited, understand the importance of financing & lending in the success of a business. We partner with our clients to evaluate the financing gaps and structure customized solutions that work best for their requirements. We offer financial solutions under different business verticals viz. i) Capital Market Lending; ii) Corporate Lending; iii) Real estate Financing; iv) Loan against Property; and v) Education Institutional Lending.

We have a following wide range of product offerings that cater to a diverse clientele and market segments.

LOAN AGAINST SECURITIES

At JM Financial Products Limited, we offer loans against various securities like Shares, Mutual Funds Bonds etc which facilitate our clients to capitalize on their investments by providing liquidity against those investments without the need to sell the securities.

The loans can be utilized for fulfilment of any legal and legitimate purposes including business loans, short term working capital requirements or to meet personal exigencies and family obligations like marriage in the family, higher education of self or children, medical expenses and so on.

MARGIN FINANCING

Margin Financing facilitates our clients to participate and to fund their settlement obligations (Cash/F&O) of NSE and/or BSE and/or MCX and/or NCDEX or any other designated exchange(s) that maybe applicable. This also facilitates the client to make investment/s in Equity markets without having to deploy cash collateral towards the investment. A client can also take a leveraged position on the basis of his existing investments.

EMPLOYEE STOCK OPTION (ESOP) FINANCING

ESOP funding is offered to the employees of various corporates to finance their employee stock options of the approved portfolio value, eliminating the need to arrange liquidity for the same.

We take great pride in offering tailor made solutions which are easy for the employees to understand and benefit from, and is offered to the employees of large reputed Companies, which are either listed or in the process of listing, who have been granted employees stock options (ESOP).

BROKER FINANCING

Broker Financing is offered to an existing stock exchange broker, it may avail financing to meet working capital requirements against the collateral of its existing investment/s.

STRUCTURED LENDING

Structured Lending like Corporate Loans and Financing business aims to deliver credit solutions to sponsors, holding companies, operating companies and special purpose vehicles, in order to meet their diverse requirements when traditional templates of interest servicing, security, tenor, principal repayment, may not prove to be feasible.

Our expertise lies is our ability to create customised lending solutions to our clients for unique situations that include strategic acquisitions, mezzanine / subordinated debt financing, promoter funding for stake accretion and other strategic activities without compromising on the standards of the securities pledged or mortgaged in our favour.

REAL ESTATE FINANCING

Real Estate Financing provides integrated financial solutions to real estate developers and also provides funding for real estate projects.

IPO FINANCING

Initial Public offering (IPO) funding is an excellent offering for clients who wish to participate in the Primary Market. It enables a client to participate in IPOs in a substantial manner by contributing a small margin, with the balance being funded by JM Financial Products Limited. This facility grants leverage to the retail clients to apply for a larger application size in public issues and procure higher allotments thereby maximizing gains. The documentation is minimal and funding is handled in a time bound manner, so as to ensure speedy and timely processing.

EDUCATION INSTITUTION LOAN (EIL)

Education Institution Loan would be offered to entities involved in the business of imparting education including Schools, Colleges, Training Institutes, Pre-Schools, Coaching or Tutoring Centers, Universities including private, deemed universities & diversified education groups.

PROMOTER FINANCING

The Company shall offer financing to Promoters or their holding /investment companies against listed or unlisted equity / preference shares, MF Units, securities or mortgage of residential / commercial properties or other real-estate to meet their strategic requirements

ACQUISITION FINANCING

The Company shall offer competitive INR funding solutions to companies acquiring domestic assets or companies and structure the Loan with adequate security.

BRIDGE FINANCING TO CAPITAL MARKET EXIT

The Company shall offer efficient financing structures to companies / individuals for short tenor, structured as a bridge loan to be repaid from IPO, equity raising, private equity infusion, other debt refinancing, or other sources.

MEZZANINE FINANCING

The Company may offer subordinated debt or preferred equity instrument that represents a claim on a Company’s assets. It can be structured either as debt (typically an unsecured and subordinated note) or preferred stock. Debt capital gives the Company, the rights to convert to an ownership or equity interest in the Company, if the loan is not paid back in time and in full.

INTER CORPORATE DEPOSITS

The Company may extend unsecured loans to other corporate.

LOAN AGAINST PROPERTY (LAP)

Loan against Property is designed as a secured loan against property. This product helps clients address funding requirements for both personal and business needs. Clients leverage the economic worth of their property without giving away ownership.

This proposition allows the client to avail the loans for a maximum tenure of up to 15 years. Loan against Property is suitable for meeting contingencies such as marriage, higher education, medical treatment, or even for business expansions.

LOAN AGAINST RECEIVABLES

We offer receivable financing to NBFCs, the loan is secured by hypothecation of book debts which are standard in nature.

SME FINANCING

We provide loans for varied purposes such as institutional finance, project finance and working capital finance to small and medium enterprises.