Our Credit & Loans Team creates and manages the risk asset portfolio of the company. They possess broad based industry knowledge with which they analyse and process each client’s request.

At Crystal Finance, we aim to provide credit services to

Small and Medium Income Enterprises who have good business prospects and opportunities but lack the operational sophistication to attract financing from regular Banks. (Cashflow lending)

Organised businesses with no tangible assets to pledge as security for credit facilities from regular Banks (Transaction Based and Unsecured lending)

Medium Income and High Net-worth Individuals who have occasional needs to cover unanticipated cashflow gaps.

The various product categories for our Credit and Loan clients are:

Individual Loans
These are short- and medium-termloan facilities customized for personal use or availed to “keyman” or owners of unstructured businesses for the sole purpose of funding business opportunities.
Repayment options are Monthly Instalment Payment, Bullet Payment or other payment structures tied to the client’s cashflow.

Business Loans
Our Business loans are suited to meet all variants of funding requirements by Small and Medium Scale businesses and often tenured between a few months and one year.
They come in the form of any of the following: Term loan, Asset financing, Line of Credit or a one-off Cash Advance to solve short term liquidity gaps.
Repayment options are Monthly Instalment Payment, Bullet Payment or other payment structures tied to the client’s cashflow.