Knowledge Centre

 Structured finance solutions offer tailored financial products to address the unique needs of businesses across sectors. At SKR Fincon Ltd, our structured finance offerings are designed to bridge the gap left by traditional banking options, particularly for industries facing operational and funding challenges.

Who Benefits the Most?

While our structured finance products are applicable to a variety of sectors, they are particularly well-suited for:

1. Real Estate / Construction / Infrastructure:
   • These sectors often face limitations and challenges in securing traditional bank financing due to regulatory constraints, incomplete projects, or unproductive assets.
   • Our tailored funding solutions under the TSF (Tailored Structured Finance) umbrella are designed to unlock liquidity and enable project completion.
2. Manufacturing and Trading Companies:
   • Businesses in sectors like steel, cement, and aluminum benefit from structured commodity trade routes that facilitate funding through a simple buy-sell mechanism.

Key Features of Our Structured Finance Solutions

1. Creation of Non-Fund-Based (NFB) Limits:
   • Leveraging unsold stock, unfinished projects, or unencumbered assets as collateral.
   • These assets, which may currently be non-performing or incomplete, are used to create NFB limits in banks.
2. No Fund-Based Borrowings from Banks:
   • Instead of direct cash borrowings, we use NFB mechanisms to inject liquidity into your bank account.
   • The funds are contributed by our global network of investors, banks, and institutions and are remitted directly to your bank, aligning with the created NFB limits.
3. Trade-Based Financing:
   • Facilitated through international institutions, investors, or trading companies.
   • A simple buy-sell mechanism ensures seamless funding for businesses, bypassing complex cash flow challenges.
4. Currency Risk Management:
   • Mechanisms in place to bypass currency forward cover or hedging requirements, providing a cost-efficient solution for international transactions.

Advantages of Structured Finance for Businesses

• For Real Estate / Infrastructure:
  • Enables the completion of stalled projects by unlocking funds tied up in unsold or incomplete assets.
  • Addresses the funding vacuum left by traditional banking reluctance.
• For Manufacturing & Trading Companies:
  • Offers liquidity through structured commodity trade routes, ensuring operational continuity.
  • Provides scalable funding options for sectors like steel, cement, and aluminum.
• Customizable & Flexible Solutions:
  • Each funding plan is crafted specifically to meet the client’s unique requirements, ensuring alignment with business goals.

How It Works

1. Assessment:
   • Evaluate the business’s unsold stock, unproductive assets, or work-in-progress projects.
2. Structuring the Plan:
   • Create a funding mechanism using NFB limits in banks, backed by collateral security.
   • Engage global investors to contribute funds directly to your bank account.
3. Trade Facilitation:
   • Arrange for institutional or international trading partners to implement a buy-sell mechanism.
4. Compliance:
   • Ensure all funding structures adhere to the latest RBI guidelines and regulatory standards.

Next Steps
To fully understand the nuances of this structure and explore its suitability for your business, we recommend a one-on-one consultation. Whether online or in-person, our experts will work with you to design a strategy that aligns with your goals and operational needs.

Take the first step toward unlocking liquidity and ensuring sustainable growth for your business. Contact us today!

In today’s dynamic and often unpredictable economic landscape, businesses in sectors like SMEs, real estate, construction, and infrastructure face significant challenges, particularly cash flow crunches. Whether during a pandemic, economic downturn, or periods of market volatility, access to liquidity becomes a critical factor for survival and growth.

Trade Structured Finance (TSF) offers an innovative and flexible solution to overcome these challenges, providing businesses with the financial agility they need to thrive.

Key Benefits of TSF for Your Business

1. Addressing Cash Flow Gaps:
   • TSF mechanisms are designed to tackle the liquidity issues faced by businesses, enabling smoother operations even during economic uncertainty.
   • For SMEs and capital-intensive sectors like real estate and infrastructure, TSF ensures that critical projects are not stalled due to cash flow constraints.
2. Tailored Structures:
   • TSF is not a one-size-fits-all solution. Each lending structure is customized to align with your specific business requirements, ensuring maximum efficiency and value.
   • Whether it’s project funding, working capital, or operational liquidity, TSF structures adapt to your needs.
3. Competitive Cost of Funds:
   • TSF provides access to funding at highly competitive rates, comparable to the best in the industry.
   • The flexibility in structuring ensures that businesses can optimize costs while meeting their financial goals.

How TSF Works

1. Source of Funds:
   • The origin of funds plays a critical role in determining the overall cost and feasibility of the TSF facility.
   • Funds are sourced through global institutions, banks, and investors, ensuring access to liquidity even in challenging economic conditions.
2. Impact of Costing Factors:
   • Elements like LIBOR/SOFR (Secured Overnight Financing Rate) directly influence the costing of TSF structures. By leveraging our expertise, we ensure that your TSF facility is structured to minimize costs while maximizing value.
3. Dynamic Structuring:
   • TSF allows for creative financial engineering to suit specific business requirements.
   • Funding structures include tailored repayment schedules, flexible tenures, and competitive interest rates, ensuring that your financial commitments align with your cash flow capabilities.

Who Can Benefit from TSF?
1. Small and Medium Enterprises (SMEs):

• Overcome liquidity challenges and focus on growth by leveraging TSF for working capital and operational needs.

2. Real Estate & Construction:

• Address cash flow gaps to complete stalled projects, manage operational expenses, or fund new developments.

3. Infrastructure Companies:

• Secure funds for large-scale projects with customized repayment plans that align with project milestones.

4. Commodity Traders:

• Access trade finance solutions to support buying and selling activities across domestic and international markets.

Why SKR Fincon Ltd for TSF?

1. Expertise in Structuring:
   • Our team brings years of experience in financial engineering, ensuring that every TSF structure is optimized for your business.
2. Global Funding Network:
   • We work with top-tier financial institutions, investors, and banks worldwide to provide reliable and competitive funding options.
3. Cost-Effective Solutions:
   • Our TSF mechanisms are designed to deliver exceptional value, with competitive rates that stand out in the industry.
4. Client-Centric Approach:
   • Every TSF facility is crafted to align with your business’s unique needs, providing flexibility and transparency throughout the process.

Take the Next Step

Trade Structured Finance is more than just a funding option—it’s a strategic tool that empowers your business to navigate challenges and seize opportunities. 

At SKR Fincon Ltd, we are committed to helping you unlock the potential of TSF with innovative, customized solutions.

Contact us today to explore how TSF can transform your financial strategy and drive your business forward.

Securing funding through traditional banking channels can be a daunting task for many corporates. Stringent policies, lengthy procedures, and risk-averse practices often leave businesses—especially those without a long-standing track record—struggling to meet their financial needs. Alternative and unconventional funding solutions have emerged as a vital lifeline for businesses seeking swift and flexible financing options.

Challenges with Traditional Funding

1. Time-Consuming Processes:
   • Banks and financial institutions require extensive documentation, compliance with rigid norms, and undergo lengthy evaluation periods, delaying the funding process.
2. Stringent Lending Policies:
   • Many banks have sector-specific restrictions and unfriendly lending policies, making it difficult for businesses in certain industries to secure funding.
3. Collateral and Security Issues:
   • Corporates often face challenges in providing the necessary security or collateral, leading to loan rejections.
4. Preference for Larger Corporates:
   • Traditional lenders prioritize well-established companies with proven credit histories, leaving smaller or newer businesses with limited access to capital.

It is estimated that a significant percentage of corporate loan applications are rejected due to these factors, depriving businesses of the timely funds needed to sustain or grow their operations.

The Alternative Solution
Alternative and unconventional funding has emerged as a game-changer for corporates unable to navigate the rigid frameworks of traditional banks. These funding options provide businesses with faster, more flexible, and accessible financial solutions tailored to their unique needs.

How SKR Fincon Ltd Leads the Way
At SKR Fincon Ltd, we have been pioneers in introducing alternative funding solutions for Indian businesses. Our extensive network of affiliated fund houses and fintech partners allows us to offer innovative, tailor-made financing products, even for businesses with limited credit histories.

• Tailored Solutions for Corporates:We connect businesses with alternative funding sources that cater to specific industry needs, overcoming the hurdles of traditional lending.
• Flexible Lending Criteria:Our alternative lenders evaluate businesses based on their potential and requirements, rather than solely relying on credit history or conventional metrics.
• Fast and Adaptable Funding:Online and fintech-based funding solutions significantly reduce the time and effort required, breaking traditional barriers in the financing world.

Key Features of Alternative Funding

1. Fast Access to Funds:
   • Streamlined processes and minimal bureaucracy ensure quick disbursement of funds, critical for time-sensitive business needs.
2. Custom Financing Structures:
   • Flexible loan structures tailored to match the specific goals and financial capabilities of businesses.
3. No Collateral Required:
   • Many alternative funding options are unsecured, making them ideal for businesses that cannot pledge assets as security.
4. Sector-Friendly Policies:
   • Unlike banks, alternative lenders have no sectoral bias, providing equitable opportunities for businesses across industries.
5. Inclusive Approach:
   • Designed to accommodate businesses with limited credit histories or those unable to meet stringent bank requirements.

Who Can Benefit from Alternative Funding?

• Emerging and Growth-Stage Businesses:
  • Corporates with limited credit history or those scaling operations rapidly.
• Industries with High Risk Perception:
  • Sectors traditionally underserved by banks due to perceived risks.
• Businesses Needing Urgent Liquidity:
  • Companies facing immediate cash flow challenges or unforeseen financial obligations.

Our Affiliated Fund Houses and Fintech Partners
SKR Fincon Ltd collaborates with a robust network of online lenders, fintech companies, and alternative fund houses. These partners leverage cutting-edge technology to deliver efficient and innovative financial products, ensuring businesses receive the support they need, when they need it.

• Technology-Driven Solutions: Online platforms streamline the entire lending process, offering transparency and speed.
• Breaking Barriers: Fintech companies challenge traditional norms, creating opportunities for businesses that would otherwise be overlooked.

The Future of Corporate Financing
At SKR Fincon Ltd, we firmly believe that alternative and unconventional funding is the future of corporate financing. It offers the flexibility, speed, and inclusivity required to support businesses in today’s dynamic and competitive environment.

Take the First Step
If you’re looking for a funding solution that aligns with your business goals and eliminates the challenges of traditional lending, SKR Fincon Ltd is here to help. Explore the world of alternative funding and discover how we can support your financial journey.

Contact us today to learn more about our innovative funding options and how we can tailor them to your needs.

At SKR Fincon Ltd, in partnership with InvoiceNxt, we offer a unique and innovative approach to Invoice Financing that sets us apart. Designed to address the dynamic needs of businesses globally, with a special focus on corporate India, our solutions are tailored to ensure seamless cash flow, enhanced liquidity, and financial stability.

Key Features of Our Invoice Financing Solutions

1. Interest-Free Financing:
   • We provide interest-free invoice financing, making it a cost-effective option for companies looking to unlock funds tied up in receivables.
   • This enables businesses to reinvest quickly into operations, expansion, or other financial needs without the burden of interest costs.
2. Global Reach, Local Focus:
   • Based in Singapore, our solutions are globally sourced but structured specifically for corporate India.
   • This ensures a deep understanding of the Indian market’s unique challenges and opportunities.
3. Multi-Currency Flexibility:
   • For imports or international transactions, we offer Dollar and other currency-based funding options.
   • Businesses can access foreign currency financing when goods are invoiced from abroad, providing flexibility for cross-border operations.
4. INR Financing Priority:
   • Our priority sector is Indian corporates, offering financing in Indian Rupees (INR) to meet the specific needs of domestic businesses.
5. Seamless Technology Integration:
   • Through the InvoiceNxt platform, we digitize the entire procure-to-pay process, allowing businesses to transition from manual working capital management to fully automated, tech-driven solutions.

What Does InvoiceNxt Bring to the Table?

1. Immediate Liquidity:
   • Suppliers can access immediate payment for their invoices, significantly reducing payment cycles and ensuring steady cash flow.
2. Global and Domestic Coverage:
   • Businesses operating across borders can rely on InvoiceNxt for smooth financing, whether in INR or foreign currencies.
3. Smart Contract Integration:
   • The platform mimics smart contract functionality, enabling automatic payment triggers when predefined conditions, like invoice approvals, are met.
4. ESG Inclusion:
   • Our solutions align with ESG (Environmental, Social, and Governance) goals, incentivizing suppliers and buyers to adopt sustainable practices through tangible rewards.
5. Fraud Prevention:
   • Fully automated systems reduce human intervention, eliminating the risk of errors and fraud.

Benefits for Your Business

1. Cash Flow Optimization:
   • Unlock the value tied up in receivables to maintain smooth operations and meet growth objectives.
2. Cost-Efficiency:
   • Interest-free financing ensures significant cost savings compared to traditional lending options.
3. Customizable Solutions:
   • Financing tailored to meet your specific needs, whether for domestic transactions or international trade.
4. Operational Agility:
   • Fast, technology-driven processes reduce the time required to access funds.
5. Global Trade Enablement:
   • Multi-currency support allows businesses to manage cross-border transactions efficiently.

Why Choose SKR Fincon Ltd for Invoice Financing?

• Experience and Expertise: Years of expertise in financial structuring and deep understanding of the Indian and global markets.
• Priority Focus on India: Dedicated to providing tailored solutions for corporate India, with INR financing at the forefront.
• Innovative Technology: Through InvoiceNxt, we bring cutting-edge solutions that simplify complex financial workflows.
• Global Network: Access to international investors, fund houses, and lenders ensures a steady supply of funding options.

Take the Next Step
Whether you’re a domestic business in India or a global enterprise, our Invoice Financing solutions are here to meet your needs. With a focus on cost-efficiency, flexibility, and technology-driven processes, we help businesses unlock liquidity and achieve financial stability.

Contact us today to learn how InvoiceNxt and SKR Fincon Ltd can redefine your invoice financing experience.

Invoice financing with InvoiceNxt simplifies cash flow management for Indian corporates by streamlining supplier payments and improving payment credit terms. Whether dealing with domestic or overseas suppliers, this model ensures that businesses can secure their supply chain while enhancing financial flexibility.
Step-by-Step Process of Invoice Financing

1. Purchasing from Suppliers:
   • As an Indian corporate, you procure goods from domestic or international suppliers, typically raw materials and consumables.
   • Challenges may arise in extending your payment terms with suppliers or securing the supply chain effectively.
2. Uploading Invoices:
   • You upload the invoices you wish to finance onto the InvoiceNxt platform.
   • The invoices undergo early payment discount adjustments, ensuring favorable terms for both you and your suppliers.
3. Supplier Invoice Submission:
   • Suppliers raise “perfect” electronic invoices via InvoiceNxt, allowing for automated processing through Straight-Through Processing (STP) with minimal manual intervention.
4. Early Payment Offers:
   • InvoiceNxt embeds early payment offers into every eligible transaction.
   • Suppliers can request immediate payment against a pre-agreed discount with a single click.
5. Instant Supplier Payment:
   • Once the invoice is confirmed, suppliers are paid instantly via the platform.
   • The process is fully automated, with no-human-in-the-loop, ensuring speed, accuracy, and efficiency.
6. Deferred Corporate Payment:
   • As the corporate buyer, you pay InvoiceNxt after a pre-defined credit period (e.g., 30-60-90 days), based on the appraisal and due diligence process.
   • This allows you to extend your payment terms while keeping your supply chain intact.

Why Use Invoice Financing with InvoiceNxt?

1. Immediate Supplier Benefits:
   • Suppliers receive instant payments, improving their cash flow and financial stability.
   • Transparency ensures suppliers can track transactions from purchase order to payment.
2. Improved Buyer Credit Terms:
   • Corporates can defer payments without incurring interest, freeing up working capital for other needs.
3. Automation & Efficiency:
   • The platform is fully automated, ensuring minimal delays and human errors in processing.
   • Early payment requests and approvals are handled seamlessly through AI-driven systems.
4. Transparency Across Transactions:
   • InvoiceNxt extends your ERP system, removing traditional data barriers.
   • Suppliers gain real-time visibility into the status of their transactions, from purchase orders to payments.
5. Streamlined Onboarding:
   • InvoiceNxt manages the onboarding process with dedicated local-language engagement teams and a hybrid (human and bot) outreach process.
   • This ensures consistency, scalability, and a seamless experience for all stakeholders.

Key Benefits of Invoice Financing for Indian Corporates

1. Cash Flow Optimization:
   • Secure your supply chain while preserving working capital for other critical business needs.
2. Flexible Payment Terms:
   • Enjoy extended payment periods of 30-60-90 days without interest, subject to due diligence.
3. Supplier Satisfaction:
   • Build stronger supplier relationships by ensuring prompt payments and maintaining transparency.
4. Seamless Integration:
   • InvoiceNxt integrates with existing ERP systems, enabling easy and efficient financial management.
5. Scalability:
   • The platform ensures that as your business grows, your invoice financing capabilities grow with it.

How to Get Started

1. Upload Invoices:
   • Submit invoices for financing through the InvoiceNxt platform.
2. Engage Suppliers:
   • Suppliers submit their invoices electronically, allowing for automatic processing and early payment options.
3. Confirm Payment Terms:
   • Define payment terms (30-60-90 days) after our appraisal and due diligence process.
4. Track Transactions:
   • Use the platform to track and manage all aspects of your purchase-to-payment cycle.

Dedicated Support
InvoiceNxt simplifies onboarding with local-language engagement teams and cutting-edge hybrid outreach models. This ensures every supplier and corporate buyer has a seamless, scalable experience.

For more details on requirements and process steps, refer to the checklist in the FAQ section.

Ready to transform your cash flow management? Contact us today to learn more about Invoice Financing with InvoiceNxt.

Invoice finance is an innovative funding solution that enables businesses to unlock the value tied up in unpaid invoices. Like any financial tool, it comes with both advantages and considerations. Here’s a professional breakdown to help you evaluate its suitability for your business.
Invoice Finance Pros

1. Unsecured Arrangement:
   • Invoice finance is typically an unsecured funding option, meaning you don’t need to provide additional assets as collateral.
2. No Risk to Assets:
   • Your unpaid invoices act as security, so there’s no requirement to pledge other business assets, safeguarding your existing resources.
3. No Additional Charges on Assets:
   • Invoice finance doesn’t create additional charges on your assets, preserving your current financial arrangements and existing credit facilities.
4. Interest-Free Period:
   • The initial agreed period (e.g., 30-60-90 days) is interest-free, providing cost-effective liquidity for your business.
5. Quick to Obtain:
   • Unlike traditional loans that can take weeks to process, invoice finance offers rapid access to funds—often within 24 hours of submitting invoices.
6. Scalable Financing:
   • As your business turnover grows, invoice finance scales with it, allowing you to access more cash in line with your expanding needs.
7. Time-Saving:
   • Automating the invoicing process speeds up cash flow cycles and frees up working capital for other strategic initiatives.
8. Early Payment Discount Sharing:
   • You may benefit from sharing the marginal early payment discounts negotiated with suppliers on the platform.
9. ERP Integration:
   • Most popular ERP systems can be seamlessly integrated into the InvoiceNxt platform, simplifying onboarding and operational workflows.
10. Enhanced Cash Flow Management:
    • The streamlined process ensures businesses maintain consistent liquidity, reducing financial stress and improving supplier relationships.

Invoice Finance Cons

1. Reliance on Customers:
   • If your clients delay payments or default, you may face interest charges for the extended period. In worst-case scenarios, accountability for non-payment may be jointly shared.
2. Short-Term Costs:
   • While platform services are efficient, there may be associated processing fees that need to be factored into your cost planning.
3. Confidentiality Concerns:
   • With invoice factoring, credit control may be handled by the lender, potentially affecting client perceptions. (This is not applicable with invoice discounting, where you maintain control.)
4. Longer-Term Costs:
   • If you fail to pay the financed invoice on the due date, lenders may impose interest charges and additional costs for default, which could impact your profitability.

How Invoice Finance Benefits Businesses
By leveraging the InvoiceNxt platform, you can maximize the benefits of invoice financing while minimizing potential drawbacks. Here’s how:

• Technology-Driven Integration: InvoiceNxt’s seamless ERP integration ensures your invoicing and financing workflows are streamlined, reducing manual intervention and saving time.
• Transparent Processes: Businesses have real-time access to all invoice transactions, maintaining visibility and control.
• Customized Solutions: Agreements are tailored to your business needs, including interest-free periods and flexible repayment terms, ensuring a cost-effective approach.
• Supplier-Friendly: Early payments improve supplier relationships, fostering a healthy supply chain and building long-term partnerships.

Evaluating Invoice Finance for Your Business
Invoice financing can transform how your business manages cash flow by bridging gaps and ensuring liquidity. However, understanding the pros and cons is essential to determine its suitability for your operational and financial goals.

Contact SKR Fincon Ltd today to learn more about how InvoiceNxt can unlock the potential of your invoices and revolutionize your cash flow management.

Unsecured financing is a versatile and dynamic funding solution that offers businesses the flexibility they need to grow, adapt, and thrive without the need to pledge collateral. At SKR Fincon Ltd, we bring a plethora of opportunities under our Unsecured Loans Platform, designed to meet diverse financial requirements and support businesses across industries.
Why Choose Unsecured Finance?

1. Collateral-Free:
   • Unsecured loans do not require assets to be pledged as security, making them ideal for businesses that lack tangible collateral or prefer not to encumber their assets.
2. Quick Access to Funds:
   • With minimal documentation and streamlined processes, unsecured financing ensures fast access to funds, enabling you to meet urgent financial needs.
3. Flexible Terms:
   • Loans are tailored to align with your specific requirements, offering flexibility in repayment terms and loan structures.
4. Diverse Applications:
   • Whether it’s for working capital, bridge financing, expansion plans, or addressing time-sensitive liabilities, unsecured loans provide a solution for a wide range of financial needs.

Our Unsecured Loans Platform
We offer a bouquet of funding options under our unsecured finance platform, each designed to cater to the unique challenges and goals of businesses.
Key Features:

• Short-Term Financing: Ideal for businesses seeking funding to manage immediate expenses, bridge financial gaps, or prevent NPAs (Non-Performing Assets).
• Bridge Loans: Provides interim financing while you wait for approved bank loans or other disbursements to materialize.
• Working Capital Support: Ensures smooth business operations by addressing day-to-day financial requirements.
• Tailored Solutions: Each loan is structured based on the specific needs and circumstances of your business, ensuring a perfect fit for your financial goals.

Who Can Benefit from Unsecured Finance?
Unsecured loans are particularly beneficial for:

• SMEs and MSMEs:Businesses looking to expand operations, manage cash flow, or invest in growth without collateral constraints.
• Real Estate and Construction Companies:Firms in need of liquidity to manage projects or address time-sensitive payments.
• Trading and Manufacturing Businesses:Companies seeking operational continuity and financial agility.

Encouraging Exploration
At SKR Fincon Ltd, we believe in empowering businesses by providing accessible, innovative funding solutions. Our unsecured finance platform opens up opportunities for businesses of all sizes and sectors, even in challenging financial scenarios.

Explore this option today and discover how unsecured finance can unlock new possibilities for your business.

Contact us to learn more about our offerings or begin your journey with a customized funding solution tailored just for you.