Delhi Wealth

Delhi Wealth Group

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Delhi Wealth Group

Delhi Wealth

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OUR SERVICES & SPECIALIZATION

Business Finance

Businesses primarily utilize two main financing methods: Equity Finance and Debt Finance.

  • Equity Finance: This involves raising capital by selling ownership shares in the company. This can be achieved through various methods like crowdfunding, venture capital funding, or seeking investment from family and friends.
  • Debt Finance:  In debt financing, a company raises capital by borrowing from lenders like banks or financial institutions. These loans require repayment of the principal amount plus interest within a set timeframe. Unlike equity financing, debt financing doesn't dilute ownership. Loans can be secured, backed by collateral, or unsecured, based on the borrower's creditworthiness. 


Delhi Wealth Group's Expertise:

 At Delhi Wealth Group, we specialize in consulting businesses to secure funding through strategic debt financing solutions. We partner with banks and other established financial institutions to connect you with the most suitable loan options for your needs.


We firmly believe in Bob Hope's saying, "A bank is a place that will lend you money if you can prove that you don't need it," and we have the experience to back it up. 

(A). Project or Start-up Financing

Project finance refers to the specialized form of financing employed for infrastructure, industrial, and commercial projects. Unlike traditional corporate financing, where the creditworthiness of the borrower is the primary consideration, project finance relies on the project's assets, revenue streams, and overall viability for repayment. In project finance, lenders evaluate the feasibility and risks associated with a specific project rather than solely focusing on the financial strength of the borrower. In this financing structure lenders provide funding based on the projected cash flows generated by the project.

Setting up New Industrial Units or Expansion

Setting up New Industrial Units or Expansion

Setting up New Industrial Units or Expansion

Whether your goal is to establish, improve, or expand your strategic plans — including expanding business operations, purchasing or constructing a new building, enhancing an existing facility, or investing in new equipment — we offer several project financing solutions that may perfectly suit your needs. 

 

Taking Your Business to the Next Level: Financing for Fresh Setup and Growth


As a financial consultant, we understand the drive to take your industrial business to the next level. Whether you're a seasoned manufacturer or a budding entrepreneur, growth often requires significant investments.  This is where project financing comes in.


Think of it like this:

Project financing is like a custom-built fuel tank for your industrial ambitions.  We provide the financing you need to achieve specific goals, such as:


1. Setting Up a New Industrial Unit (Greenfield Project):

  • This is for launching a brand new factory or production facility from scratch.
  • We can help you secure financing to cover crucial expenses like:  
    • Land Acquisition:  Funding to purchase the land where you'll build your factory.
    • Construction Costs: Financing for materials and labor to construct the buildings.
    • Machinery and Equipment:  Funding for the essential machinery and equipment to kickstart your production process.
    • Working Capital Financing:  Funding for the raw material and routine expenses for  your production.

Example: You have a brilliant idea for a new type of eco-friendly packaging material.  We can help you secure project financing to buy land, build your factory, and purchase specialized equipment to manufacture your product.


2. Expanding Your Business Operations (Brownfield Project):

  • This is for existing industrial units looking to grow their production capacity.
  • We can help you finance:  
    • Adding a New Production Line:  Expanding your capabilities by setting up a new line to manufacture a different product.
    • Facility Expansion:  Financing to construct additional buildings or enlarge your existing factory space.
    • Upgrading Machinery: Funding for acquiring newer, faster, or more efficient machinery to improve production.
    • Working Capital Financing:  Funding for the raw material and routine expenses for  your production.

Example: Your existing furniture factory is struggling to keep up with demand.  We can explore project financing options to help you add a new production line for chairs, allowing you to increase your output.


Benefits of Project Financing for Your Industrial Unit:

  • Focus on Growth: You can concentrate on your expansion plans without worrying about upfront costs.
  • Tailored Solutions: We'll design a financing plan that perfectly fits your specific needs and projected cash flow.
  • Long-Term Vision: Project financing typically offers longer repayment periods compared to short-term loans, allowing you to focus on long-term success.


Remember:

  • We'll work closely with you to understand your specific requirements and recommend the best-suited financing solution.
  • Different projects might necessitate a combination of financing options.


In a nutshell:

Project financing is a powerful tool to fuel your industrial ambitions.  We offer customized solutions to help you establish new production facilities, expand your existing operations, or upgrade your machinery.  


Let's work together to turn your vision into a thriving industrial reality!

Setting up Commercial Projects

Setting up New Industrial Units or Expansion

Setting up New Industrial Units or Expansion

Commercial projects in sectors such as schools, hospitals, colleges, university, resorts, hotels and restaurants require specialized financing solutions. Whether you're embarking on establishment, improvement, expansion, or property acquisition, we offer a range of project financing options. From constructing new buildings to upgrading existing facilities, our solutions are designed to meet your specific requirements.


As a financial consultants, we understand the unique challenges of funding commercial projects in sectors like:

  • Hospitality: Resorts, hotels, and restaurants
  • Education: Schools, colleges, and universities
  • Healthcare: Hospitals and clinics

These projects require specialized financing solutions because they involve significant upfront costs and often have long-term revenue streams.


Here's how we can help you achieve your goals:

Imagine this:

  • You dream of building a state-of-the-art hospital to serve your community.
  • You want to expand your family-run resort to accommodate more guests.
  • Your college needs funding to modernize its classrooms and labs.


No matter the stage of your project, we can offer solutions for:

  1. Establishment (Greenfield Project): Launching a brand new facility from the ground up. This could involve financing for:  
    • Land Acquisition: Buying the land to build your hospital, resort, or college.
    • Construction Costs: Funding for materials and labor to build the structures.
    • Equipment Purchases: Financing for medical equipment for your hospital, kitchen equipment for your restaurant, or furniture and technology for your educational institution.
    • Working Capital Financing:  Funding for the raw material and routine expenses.

Example: You're a doctor who wants to open a new hospital. We can help you secure financing to purchase land, construct the building, and equip it with the latest medical technology.


  1. Improvement or Expansion (Brownfield Project): Upgrading or expanding an existing facility. This could involve financing for:  
    • Renovations and Modernization: Upgrading existing buildings, like revamping classrooms at your college or adding a spa wing to your resort.
    • Expansion Costs: Funding to add new wings or facilities, like building a new wing for your hospital or extending your restaurant's dining area.
    • Equipment Upgrades: Financing for new equipment, such as replacing outdated kitchen appliances in your restaurant or acquiring advanced diagnostic tools for your hospital.
    • Working Capital Financing:  Funding for the raw material and routine expenses.

Example: Your established university wants to build a new science building. we can help you explore financing options to cover construction costs and lab equipment purchases.


  1. Property Acquisition: Purchasing an existing building to convert it into your desired facility. This could involve financing for:  
    • Building Purchase: Funding to acquire a pre-existing structure for your school, hotel, or healthcare center.
    • Renovations: Financing to adapt the purchased building to best suit your needs.
    • Working Capital Financing:  Funding for the raw material and routine expenses.

Example: You're planning to open a boutique hotel in a historic building. We can help you secure financing to buy the building and cover any necessary renovations.


Benefits of Project Financing for You:

  • Tailored Solutions: We'll design a financing plan that fits your specific project needs and budget.
  • Long-Term Focus: Project financing offers longer repayment periods, allowing you to focus on long-term success.
  • Expert Guidance: You'll receive professional support throughout the entire process, from planning to implementation.


I Can Help You at Every Stage:

  • Consultation: We'll work closely with you to understand your vision and develop a financial roadmap for your project.
  • Financing Options: We'll explore various financing options available from different lenders to match your specific needs.
  • Project Management: We can assist you throughout the project lifecycle, ensuring your financing stays aligned with your progress.


Building your dream project shouldn't be hindered by financial hurdles. Together, we can find the perfect financing solution to bring your vision to life.

Project Finance for Builders and Developers

Setting up New Industrial Units or Expansion

Project Finance for Builders and Developers

Project finance for builders facilitates funding for both commercial and residential projects, providing essential capital for construction endeavors. Builders can access tailored financing solutions to support various aspects of their projects, including land acquisition, development, and construction costs. With flexible terms and competitive rates, project finance enables builders to realize their vision and bring their commercial and residential projects to fruition efficiently and effectively. 

 

As a financial consultant, we understand the complexities of bringing construction projects to life. From sky-high office buildings to cozy apartment complexes, every project requires significant upfront capital. This is where project finance comes in.


Think of it like this:

Project finance is like a special kind of loan specifically designed for construction projects. It's like a fuel tank that provides the essential funds you need at each stage of development, from:

  • Land Acquisition: Buying the plot of land where you'll build your dream project.
  • Development Costs:  Financing for planning, permits, and architectural designs.
  • Construction Costs:  Funding for materials, labor, and equipment to bring your plans to reality.
  • Working Capital Financing:  Funding for the raw material and routine expenses.


Benefits of Project Finance for Builders and Developers:

  • Focus on Building: With project finance, you can concentrate on managing your construction project without the immediate burden of upfront costs.
  • Flexible Solutions: We can tailor financing options to fit the specific needs of your project, be it a small residential building or a large commercial complex.
  • Competitive Rates:  We'll work hard to find you financing with competitive interest rates to maximize your project's profitability.


Examples of How We Can Help:

  • Let's say you want to construct a new apartment building. Project financing can help cover the cost of acquiring land, getting the necessary permits, and funding the entire construction process, from laying the foundation to installing the final fixtures.
  • Perhaps you're a developer planning a modern office space. We can explore financing options to cover the purchase of a prime location, architectural design fees, and construction costs for the entire building.


Remember:

  • We'll work closely with you to understand your project vision and financial requirements.
  • Project finance typically involves longer repayment periods compared to traditional loans, allowing you to manage your cash flow effectively.


Building your dream project shouldn't be hindered by financial limitations. Together, we can find the perfect project financing solution to fuel your construction endeavors and turn your vision into a thriving reality!

(B). Working Capital Financing

Cash Credit (C.C.) Limit

Buyer's Credit (B.C.)/Letter of Credit (L.C.)

Cash Credit (C.C.) Limit

The primary advantage of this facility is that the borrower only pays interest applicable to the amount that has been overdrawn. Thus, the borrower saves interest on the unused amount of the Drawing Power Limit.  Cash Credit Limit is like having a flexible loan that you can dip into whenever you need. 


Cash Credit Limit: Your Business's Financial Lifeline

 

As a financial consultant, we understand that running a business can be unpredictable. There might be months with booming sales, followed by periods with slower cash flow. This is where a Cash Credit Limit (CC Limit) comes in. Think of it as a pre-approved line of credit from your bank, acting like a financial lifeline for your business.


Imagine this scenario:

You run a clothing boutique. This month, you received a big order for a wedding party, requiring extra cash to purchase new stock. But next month, sales might be slower.


Here's how a CC Limit helps:

  • The bank assigns you a specific credit limit (e.g., ₹5 lakh).
  • You only pay interest on the amount you actually withdraw from the limit, not the entire amount.
  • This allows you to access flexible funding whenever you need it, like buying extra stock or covering unexpected expenses.


Benefits of a Cash Credit Limit:

  • Manage Cash Flow Fluctuations: Cover temporary cash shortfalls without worrying about large loan repayments.
  • Pay Interest Only on What You Use: Unlike a traditional loan, you save money on interest by only paying for the utilized amount.
  • Improved Flexibility: Meet unexpected business needs without having to wait for loan approvals.


Example:

Let's say your CC Limit is ₹5 lakh. This month, you withdraw ₹2 lakh to buy new clothes for the wedding order. You'll only pay interest on the ₹2 lakh you used, not the entire ₹5 lakh limit.


Important Points to Remember:


  • There are typically charges associated with setting up and maintaining a CC Limit.
  • You'll need to repay the withdrawn amount within a specific timeframe (usually a few months to a year).
  • Exceeding your CC Limit can lead to penalty charges and impact your creditworthiness.


In a nutshell, a Cash Credit Limit is a valuable tool for businesses of all sizes. It provides a flexible source of funding to manage cash flow fluctuations, pay for unexpected expenses, and keep your business running smoothly. 


Let's discuss if a CC Limit is the right financial solution for your business needs!

Overdraft (O.D.) Limit

Buyer's Credit (B.C.)/Letter of Credit (L.C.)

Cash Credit (C.C.) Limit

An overdraft allows small businesses to continue withdrawing money even if the account has no funds in it. Small businesses are those that do not maintain their books of accounts as per Bank's requirement and are somewhat incapable of providing monthly or quarterly stock statements to prove the drawing power. It is provided against the security of assets such as land, buildings, shares, debentures, etc. 

 

Overdraft Limit: A Helping Hand for Your Growing Business

 

As a financial consultant, we know running a small business can be exciting, but cash flow can sometimes be a rollercoaster. An overdraft limit from your bank can be a helpful safety net in these situations.


Imagine this:

You run a grocery store. You just placed a big order for fresh produce, but a customer's check you were expecting hasn't arrived yet. An overdraft limit allows you to:

  • Access extra funds even if your account balance is low.
  • Cover temporary shortfalls without bouncing checks or delaying payments.


Here's the key difference from a regular loan:

  • With an overdraft, you're borrowing a small, pre-approved amount from your bank.
  • You only pay interest on the amount you actually use, not the entire limit.


While traditional loans require detailed financial statements, overdrafts for small businesses are often secured by:

  • Land or buildings you own.
  • Valuable equipment you use for your business.
  • Investments you hold (like stocks or debentures).


Benefits of an Overdraft Limit for Small Businesses:

  • Peace of Mind:  Handle unexpected expenses or temporary dips in cash flow without major disruptions.
  • Improved Flexibility:  Meet short-term needs without lengthy loan application processes.
  • Focus on Growth:  Concentrate on running your business instead of worrying about bouncing checks.


Example:

Let's say your bank grants you an overdraft limit of ₹1 lakh, secured by your shop equipment. This month, you need ₹25,000 extra to cover the cost of your produce order. You can use your overdraft to access these funds and only pay interest on the ₹25,000 you used, not the entire ₹1 lakh limit.


Important Points to Remember:

  • There are typically charges associated with setting up and maintaining an overdraft.
  • You'll need to repay the borrowed amount within a specific timeframe (usually a few months).
  • Exceeding your overdraft limit can lead to penalty charges and impact your creditworthiness.


Overdraft limits are a good option for small businesses that:


  • Don't have extensive financial statements readily available.
  • Need a flexible source of funding for short-term needs.


Let's discuss if an overdraft limit is the right financial solution to address your specific business cash flow needs!

Buyer's Credit (B.C.)/Letter of Credit (L.C.)

Buyer's Credit (B.C.)/Letter of Credit (L.C.)

Imagine you're a business owner in India who wants to buy a giant machine from a company in China. That machine might cost a lot, and you might not have all the cash upfront to pay for it. In this situation, a buyer's credit can be a lifesaver. 


Importing Made Easier: Buyer's Credit for Your Business 


As a financial consultant, we understand the challenges of growing your business internationally. Importing equipment or raw materials from abroad can be exciting, but the upfront costs can be daunting. This is where buyer's credit comes in.


Think of it like this:

You run a textile factory and want to purchase a state-of-the-art weaving machine from a manufacturer in China. The machine is expensive, and you might not have all the cash upfront to pay for it.


Buyer's credit acts as a bridge between you (the importer) and the foreign seller (the exporter). Here's how it works:

  • Your Indian bank provides you with a loan to cover the cost of the imported machine.
  • You use the loan to pay the Chinese manufacturer in full upfront.
  • You then repay the loan to your Indian bank with interest over a set period.


Benefits of Buyer's Credit:

  • Access Essential Equipment:  Purchase machinery or raw materials you need from abroad, even with limited upfront cash.
  • Improved Cash Flow:  Manage your working capital  more effectively by spreading the cost of the import over time.
  • Competitive Advantage:  Negotiate better deals with foreign suppliers by offering them upfront payment.


Example:

Let's say the weaving machine costs $100,000 USD.  Your Indian bank approves a buyer's credit of ₹75 lakh (equivalent to $100,000 USD) to cover the cost. You use this loan to pay the Chinese manufacturer, and then repay the loan to your bank with interest over a period of, say, two years.


Important Points to Remember:

  • Buyer's credit is a loan, so you'll need to qualify based on your creditworthiness.
  • There will be interest charges associated with the loan.
  • You'll need to carefully consider the repayment terms and ensure they align with your business cash flow.


Buyer's credit is a valuable tool for businesses of all sizes looking to import equipment or materials. It allows you to access essential resources from abroad without straining your working capital. 


Let's discuss if buyer's credit can help you achieve your international business goals!

Bank Guarantee (B.G.)

Packing Credit (P.C.) Limit

A Bank Guarantee in working capital financing is a risk management tool issued by a bank that assures a supplier or another party that they will be paid if your company defaults on its payment obligations. This can help your business secure better deals, access essential supplies, and free up cash flow for other purposes. It's not a direct source of working capital, but it can indirectly improve your working capital position. BGs are generally issued to government departments or infra projects.


Building Trust, Building Business: Understanding Bank Guarantees 


As a financial consultant, we understand the importance of building trust with suppliers and partners. Especially when dealing with large transactions, some suppliers might hesitate to offer credit or flexible payment terms. This is where a Bank Guarantee (BG) comes in.


Think of it like this:

You run a furniture manufacturing business and just landed a big contract to supply chairs to a government office. The order requires a significant amount of raw materials. You might negotiate a payment plan with your supplier to spread out the cost, but they might be worried you won't be able to pay later on.


A Bank Guarantee acts as a safety net for both parties:

  • For You (the Buyer): You can secure better deals from suppliers by offering a BG. This allows you to negotiate extended payment terms or access essential supplies even if you don't have all the cash upfront.
  • For the Supplier (the Seller): The bank essentially guarantees that they'll receive payment if you fail to meet your obligations. This reduces their risk and makes them more comfortable offering credit or flexible payment terms.


Benefits of Bank Guarantees:

  • Improved Cash Flow:  Manage your working capital more effectively by spreading out payments to suppliers.
  • Enhanced Credibility:  A BG demonstrates your commitment to fulfilling your financial obligations, making you a more reliable business partner.
  • Access to Better Deals:  Negotiate more favorable terms with suppliers, like extended credit or discounts.


Example:

Let's say you need to purchase ₹10 lakh worth of wood for the furniture order. The supplier might be hesitant to offer credit for such a large amount. However, with a Bank Guarantee from your bank, they'll be assured of receiving payment even if your business faces a temporary setback. This can help you secure the materials you need and fulfill the contract smoothly.


Important Points to Remember:

  • Bank Guarantees are not a direct source of funding. They act as a guarantee to the supplier in case of non-payment.
  • There are usually fees associated with obtaining a Bank Guarantee from your bank.
  • You'll need to meet specific eligibility criteria set by the bank to qualify for a BG.


While Bank Guarantees are commonly used for government contracts and infrastructure projects, they can be beneficial for businesses of all sizes.  They can help you build trust with suppliers, improve your cash flow management, and access better deals in the marketplace. 


Let's discuss if a Bank Guarantee can be a valuable tool for your specific business needs!

Packing Credit (P.C.) Limit

Packing Credit (P.C.) Limit

Packing Credit (P.C.) Limit

Advance granted to an exporter for financing the purchase, processing, manufacturing, or packing of goods prior to shipment. Packing credit is sanctioned/granted on the basis of the letter of credit or a confirmed and irrevocable order for the export of goods from India. 


Financing Your Export Journey: Pre and Post Shipment Solutions with Packing Credit 


As a financial consultant, we understand the exciting challenges of expanding your business into the export market. You land a fantastic deal to export your furniture (chairs) to the USA! But before the celebration, you realize you need upfront capital to:

  • Purchase raw materials (wood, fabric)
  • Pay for labor costs (carpenters, assemblers)
  • Cover packaging and shipping expenses


This is where Packing Credit (PC) from your bank comes in. It's a special financing solution designed to support exporters like you at every stage of the export journey.


Think of Packing Credit as a two-part financial boost:


1. Pre-shipment Credit:

  • This is like an initial fuel injection for your export order.
  • It provides you with the funds you need upfront to:  
    • Buy raw materials
    • Pay for labor
    • Cover production costs
    • Get packaging materials


2. Post-shipment Credit:

  • Once your furniture is manufactured, packed, and shipped, you might have a waiting period to receive payment from your overseas customer.
  • Post-shipment credit bridges this gap by providing you with temporary funding until you receive the export proceeds.


Example:

Let's say you secure a ₹20 lakh export order for your chairs. Your bank analyzes your needs and approves a Packing Credit of ₹15 lakh.

  • Pre-shipment Credit: You can utilize a portion (e.g., ₹10 lakh) to purchase wood, fabric, and pay your workers.
  • Post-shipment Credit: Once the chairs are shipped, you can use the remaining credit (e.g., ₹5 lakh) to manage your cash flow  until you receive payment from your US customer.


Benefits of Packing Credit:

  • Smooth Export Operations: Ensures a smooth flow of funds throughout the export process, from production to receiving payment.
  • Improved Cash Flow Management:  Provides temporary financing to bridge the gap between pre-shipment expenses and receiving export proceeds.
  • Focus on Growth:  Allows you to concentrate on fulfilling your export order without worrying about upfront costs.


Important Points to Remember:

  • Packing Credit is typically a short-term loan with specific repayment terms.
  • You'll need to provide your bank with documents like the export order and proof of shipment.
  • There might be interest charges associated with the credit facility.


Packing Credit is a valuable tool for businesses of all sizes looking to expand their export horizons.  It provides the financial support you need to fulfill export orders, manage cash flow effectively, and achieve your international business goals. 


Let's discuss how Packing Credit can help you navigate the exciting world of exporting!

Bill Discounting

Packing Credit (P.C.) Limit

Packing Credit (P.C.) Limit

Bill discounting is a source of working capital finance for the seller of goods on credit. It is an arrangement whereby the seller recovers an amount of the sales bill from the financial intermediaries before it is due. 


Turn Credit Sales into Working Capital: Understanding Bill Discounting 

 

As a financial consultant, we know managing cash flow can be a challenge for businesses, especially when you offer credit terms to your customers. You make a sale, but the payment might not come in for weeks or even months. This is where bill discounting comes in. It's a way to unlock the cash tied up in your unpaid invoices and get immediate access to working capital.


Imagine this:

You run a clothing boutique. You just sold a large order of clothes to a corporate client on credit, with a payment due in 60 days. This is a great sale, but the wait for payment can strain your cash flow.


Bill discounting works like this:

  • You approach a bank or financial institution with your unpaid invoice (bill) for the clothes sale.
  • They agree to purchase the invoice at a discounted rate.
  • This means you receive a portion of the invoice value upfront, minus a small discount fee.
  • The bank then collects the full payment from your customer when it's due.


Benefits of Bill Discounting: 

  • Improved Cash Flow:  Get immediate access to cash tied up in unpaid invoices, allowing you to meet your own business expenses.
  • Enhanced Flexibility:  Manage short-term cash flow fluctuations without having to wait for customer payments.
  • Focus on Growth:  Concentrate on expanding your business and sales without cash flow worries.


Example:

Let's say the clothing order is worth ₹1 lakh. The bank agrees to discount the invoice at a rate of 2%. This means:


  • You receive ₹98,000 (₹1 lakh - 2% discount) upfront from the bank.
  • The bank collects the full ₹1 lakh from your corporate client when the payment is due.


Important Points to Remember:

  • The discount rate charged by the bank will depend on factors like the invoice amount, your creditworthiness, and the time remaining until the payment is due.
  • Bill discounting is typically used for short-term credit sales, with invoices due within a few months.
  • There might be additional processing fees associated with bill discounting.


Bill discounting can be a valuable tool for businesses of all sizes, especially those that offer credit terms to their customers.  It helps you improve cash flow, maintain business operations smoothly, and focus on growth opportunities. 


Let's discuss if bill discounting is the right solution to address your specific business needs!

C. MACHINERY & EQUIPMENT FINANCING

Detail your services

If customers can’t find it, it doesn’t exist. Clearly list and describe the services you offer. Also, be sure to showcase a premium service.

Industrial Machinery

 To remain competitive, every manufacturing unit must embrace cutting-edge technology. Whether it's expansion, modernization of existing plants, or undertaking new projects, we offer comprehensive solutions to fuel your business growth. Access easy machinery finance options and expert consultation from Delhi Wealth Group to ensure your business stays ahead of the curve. 

Construction Equipment

 This loan covers a wide array of construction equipment, such as Backhoe Loaders, Excavators, Tipper/Dumpers, Transit Mixers, Wheel Loaders, Compactors, Road Rollers, Pavers, Dozers, Graders, Compressors, Drills, Hot Mix Plants, Crushing Plants, RMC Plants, Rock Breakers, WMM Plants, DG Sets, Forklifts, Reach Stackers, Piling Rigs, and more. 

Medical Equipment

 The selection of medical equipment eligible for financing includes MRI Machines, CT Scanners, X-ray Machines, Ultrasound Machines, Dialysis Machines, Defibrillators, Ventilators, ECG Machines, Surgical Tables, Anesthesia Machines, Patient Monitors, Laboratory Equipment, Dental Chairs, Endoscopy Equipment, Ophthalmic Instruments, Infusion Pumps, Incubators, Wheelchairs, Mobility Aids, and more. 

Features of Construction Equipment Finance

  • Enjoy up to 100%* financing.
  • Benefit from attractive interest rates*.
  • Extend your loan tenure for up to 60* months.
  • Experience reduced down payments.
  • Tailor your repayment plan to suit your business needs

D. BUSINESS LOANS (Un-Secured and Short Term)

 Every entrepreneur engages in meticulous financial planning to fulfill orders. However, the ambition to emerge as a leader in the industry can occasionally result in misjudgments regarding projected orders. In such instances, companies may consider short-term business loans as a financial aid solution. 

BASICS OF BUSINESS LOANS:

 

  1. Loan amounts starting from Rs. 2 lakhs are available.
  2. Choose a loan tenure ranging from 12 to 48 months.
  3. No collateral or security is necessary.
  4. Loans are accessible for traders, manufacturers, or service providers.
  5. Applicants must demonstrate a minimum turnover of Rs. 30 lakhs per annum with at least Rs. 5 lakhs in profit.
  6. A minimum business vintage of 3 years is required.
  7. The residence or office must be self-owned; renting is not permitted for either.

PERSONAL FINANCE

 
We are committed to achieving a 100% application to approval ratio for individual clients, whether they are salaried individuals or businessmen seeking personal finance solutions such as housing loans, loans against property, personal loans, education loans, car loans, and more. Our dedication extends to accommodating their diverse profiles, including factors such as credit history, financial strength, and property types. 

A. HOUSING FINANCE / HOME LOANS

 

Owning a dream home is a significant life goal for many. We provide fully customized home loan solutions tailored to your specific requirements. With streamlined documentation, doorstep assistance, and the flexibility to choose your finance institution, we ensure that the journey to your dream home is seamless and enjoyable.

 

Clients can explore a wide range of possibilities for securing the perfect loan for their dream home through us. 


• Buying a new house or flat, whether for resale or through direct allotment.

• Self-construction of your dream home on a pre-owned plot.

• Plot purchase plus construction loan options.

• Refinancing for homes where self-financed registration was done.

• Repairs and improvements for your existing home. 


  The Best Deal comes with... 


• Loans with tenures of up to 30 years available.

• Best interest rates offered with both fixed and floating options.

• Maximum financing against registration costs.

• Streamlined and minimal documentation requirements.

• Maximum eligibility for loans.

• Home loans available with and without approved MAP. 


  Possibilities ... 


• Expert consultancy available for "Affordable Housing Finance" in Regularized Colonies, Lal Dora, and Village Properties.

• Loans accessible to individuals from all backgrounds, including those with cash salaries. 


B. LOAN AGAINST PROPERTY

 
A Loan Against Property (LAP Loan) entails mortgaging an existing property to secure a loan, offering a valuable avenue for financing business expansions, weddings, or your child's education, among other financial needs. With LAP, you can access funds without the need to sell off your property. This versatile financing option is available for residential, commercial, institutional, and industrial properties alike. 

  

Features of LAP Loan: 


• Interest rates: We ensure competitive interest rates tailored to our customers' profiles and properties.

• Property: No need to worry about property type; we facilitate loans against all property types, including residential, commercial, institutional (schools, hotels, hospitals), industrial, and vacant plots.

• Purposes: Our loan is multipurpose, offering clients flexibility in end-use.

• Repayment: Choose between an EMI-based loan with a repayment period of up to 15 years or an overdraft facility, according to your needs.

• Customer Profile: LAP is available for both self-employed and salaried customers.

• Eligibility: We assist clients in maximizing their loan amount through customized eligibility calculation schemes, regardless of financials or books.


  

Possibilities ... 


• Loan Against Properties in Regularized Colonies, Lal Dora areas, and Village Properties.

• Loan Against Vacant Plots, including residential, commercial, and industrial plots. 


  

LAP Overdraft/Dropline Overdraft / DOD Limit 


If you choose a dropline overdraft facility with a 60-month tenure and a total overdraft limit of Rs. 10 lakh, the overdraft limit will decrease by Rs. 16,666 after the first month. Therefore, the available overdraft limit for the next month will be Rs. 9,83,334. This reduction will persist each month until the final month of repayment. This outlines the fundamental workings of a dropline overdraft facility. 


• A key feature of a dropline overdraft is its monthly reduction in withdrawal limit from the sanctioned amount.

• Dropline overdrafts are typically preferred by retailers, traders, and manufacturers.

• Interest rates are calculated daily but charged monthly.

• Dropline overdraft tenures can range from 1 to 15 years.

• A one-time processing fee is applied upon availing a dropline overdraft.

• Dropline overdrafts essentially combine features of both overdrafts and term loans.

• Banks do not impose yearly renewal charges for dropline overdrafts. 

C. EDUCATION LOANS

 Quality education is paramount for a successful life, making education loans indispensable. 


• Available for studies in India or abroad.

• Repayment tenure of up to 7 years.

• Education loans offered with and without collateral.

• Access to benefits from government-sponsored subsidy schemes. 

D. PERSONAL LOAN (Un-Secured)

A personal loan always serves as a reliable solution for your immediate financial needs, such as: 


 • Funding for your child's marriage.

• Financing for your dream vacation or holidays.

• Repairs and furnishings for your home.

• Funds for higher education.

• Purchasing your dream vehicle. 

E. CAR LOANS

 Realize your dream of owning the car you've always admired with our hassle-free car loans. We provide financing options for new cars, pre-owned vehicles, and even loans against used cars. 

 
• Loans available for up to 100% of the ex-showroom price.

• Flexible loan tenure of up to 7 years.

• Options with zero pre-payment charges. 

How much business loan can the client obtain?

 The amount of business loan a client can secure hinges on the annual profit and the operational duration of the business. Additionally, cash flow and revenue generation metrics are thoroughly assessed. Following a comprehensive evaluation of these factors, the financial institution determines the loan eligibility. Key considerations for loan approval encompass the business's profitability and the borrower's ability to manage EMIs and other business-related expenses effectively. 

Add-On Services

Analysis

Revive Your Business

We can help in Creating strategy and preparing resolution plans, OTS proposals, and revival plans for your business where your account stands NPA in the books of the existing lender.  We can help you in transferring your NPA account to one of our Lender Companies (which are registered under RBI and SEBI). 

Consultancy

Un-Secured Business Lending

  1. Manufacturing and Services including Retail trade are allowed.
  2. Educational and Training institutions, Self Help Groups (SHGs), and agriculture-related activities are not eligible
  3.  For Micro and Small Enterprises (MSEs)– Credit facility up to Rs. 200 lakh can be covered on an outstanding basis
  4. Collateral / Third Party Guarantee Not required 

Get in touch for a clearer insight into our services.

Better yet, see us in person!

We love our customers, so feel free to visit during normal business hours.

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D Wealth Services Pvt Ltd

G-20/151-152, Sector 7, Rohini, Delhi, India

+91 - 9911118103

Hours

Mon

10:00 am – 07:00 pm

Tue

10:00 am – 07:00 pm

Wed

10:00 am – 07:00 pm

Thu

10:00 am – 07:00 pm

Fri

10:00 am – 07:00 pm

Sat

10:00 am – 07:00 pm

Sun

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Delhi Wealth Group

G-20/151-152, Second Floor, Sector 7, on sec-6/7 dividing road, Rohini, Delhi, India

+91 - 9911118103

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