Sectors we work with

Engineering and manufacturing businesses sit at the intersection of heavy capex and slow-moving working capital. Financing decisions here are shaped as much by the shop floor as by the balance sheet.

From yarn to finished garment, textile and apparel businesses carry inventory through several distinct stages and ride a sharply seasonal order calendar — both of which shape how lenders size and structure credit.

Pharmaceutical and chemical manufacturing combines heavy, regulation-driven capex with volatile input costs and import dependence — a combination that calls for a deliberately structured mix of debt and equity.

Food processing and agri-business financing follows the harvest calendar as much as the demand calendar, with perishability and commodity price swings adding a layer most other manufacturing sectors do not face.

Auto component makers live and die by their OEM customers' production schedules — a dependency that shapes everything from receivable cycles to how lenders think about the sector's transition to electric vehicles.

Logistics and warehousing businesses are asset-heavy but margin-thin, which makes the choice between term debt for fleet or property and working capital for day-to-day operations a central financing decision.

Healthcare financing has to reconcile a long, capital-intensive gestation period before a facility reaches steady-state revenue with day-to-day working capital tied up in slow-paying insurers and government schemes.

Renewable energy financing is project finance in its purest form — long-tenor debt sized against a power purchase agreement's cash flow, with the developer's own balance sheet playing a secondary role.

EPC and infrastructure contracting is as much a bank-guarantee business as a working-capital one — non-fund limits, retention money and long government payment cycles dominate the financing conversation.

Trading and distribution businesses run on volume and turnover rather than margin, which makes disciplined working-capital management, more than any single facility, the real determinant of financing success.