Loan against securities
If our clients have investments, then they enjoy the opportunity of taking loan against such investments or securities. Normally the amount of loan against securities is low and for short term. Taken to meet a specific requirement, loans against securities are secured loans wherein the securities are the collateral. These loans are provided extended by banks and Non-Banking Financial Corporations (NBFCs). The securities which are acceptable as collateral include shares, mutual funds, fixed deposits and insurance policies. The loan-value hinges on the cumulative cash-value of the securities of a client. The securities which can get our clients loans are insurance policies (excluding term insurance policies), non-convertible debentures or warrants, National Savings Certificate or Kisan Vikas Patra, NABARD-bonds or Government bonds, UTI bonds, Fixed Deposits, Mutual Funds and Demat-shares.
Loan against commodities
At Intellect Finventures, we take care of financial requirements of people from every sphere of the society. We facilitate traders get loan against their commodities stored in warehouses at attractive interest-rates. Loan is available against the Agri-commodities, which are Gram, Wheat, Cumin Seeds, Castor Seeds, Coriander and Guar Gum. A trader buys these commodities on credit and returns the loan after the commodities are sold. With a limit of 50-75% of the value of commodity, we help our clients with huge flexibility in tenure and repayment-options.
Loan against property
A loan against property is a secured loan granted or disbursed against the mortgage of property. The loan generally is available at a certain percentage of the market-value of the property, generally around 40-60%. Our clients can apply for the loan against property, in response to their specific requirements, without renting out or selling their property. We help our clients with flexibility in interest-rates, transparency in dealings, overdraft facility, quick disbursement and minimal paper work, in getting the loan against property, which is the most secured of all the loans with a relatively lower lending rate.
IPO/NCD Financing
NCD/IPOs could be one of the go-to instruments to have in anyone’s investment portfolio because they bring in regular returns and become a substantial part of an investor’s financial journey. IPO/NCD Financing is a great avenue for our clients wherein they can capitalize on their own funds in primary market and in that way, increase the amount in a good proportion. Intellect Finventures brings in opportunity for its clients to bring in a margin money and get the remainder of the requisite funds needed to subscribe to IPO/NCDs, from the company. We also go for one-time documentation for our clients.
SME Loan
At Intellect Finventures, we assist our clients in getting an SME Loan, which helps them to start their own business in the category of small and medium enterprises. We facilitate them avail the credit-facilities in the easiest of ways. We bring to them flexible repayment schedules, ranging from 12 months to 60 months. They don’t have to present any collateral to avail these SME Loans. We also offer to them part-payment facility. Our experts help them with quick and easy online application process and shorter approval time, with minimal and hassle-free documentation-requirements. We abide by a professional and transparent approach. We help them zero in on the lender, who provides the loan at a small processing fee. The interest-rate differs from lender to lender and the loan-scheme our clients want.
