A term loan is a contract between a borrower and a lender, whereby the lender provides the borrower with a certain amount of domestic currency, for a period in excess of one year and up to 5 years.

The client can leverage instead of selling their investments in shares, mutual funds, bonds to raise instant liquidity while continuing to enjoy dividend, bonus, interest and other corporate benefits by availing Loan Against Securities (LAS) facility with SC Capital.

Key benefits are highlighted below:

• Competitive interest rate
• Flexible repayment option
• Interest payable on actual loan outstanding
• Option to avail Term Loan or Line of Credit
• Attractive loan to value offered (LTV)
• Swapping of securities, so that borrower does not miss market opportunities
• Obtain additional finance on existing loan by simply pledging additional securities

Loan against property (LAP) is a loan which a client can avail against mortgage of commercial/residential/industrial property. The amount of loan depends on the value of the property and repayment capacity of the Client. LAP can be availed for genuine business purpose like working capital, purchase of machinery/equipment, purchase of property, balance transfer of existing loans, various other business needs. With SC Capital, Client can experience seamless and hassle free loan processing journey.

Key features of LAP are highlighted below:

• Loan against property offered upto ₹10 crs
• Loan can be availed by company, proprietor, partner, self-employed, professional
• Loan can be availed for upto 15 years
• Attractive rate of interest offered
• Competitive Loan to Value of property offered
• Faster processing and sanction

SC Capital also offers Lease Rental Discounting (LRD) product at attractive rate of interest for discounting rentals from reputed lessee.