Our Services

Home Loan (HL)

Home loan is a secured loan given to individuals who aspire to build or buy a house. The property so purchased is mortgaged in the name of the lending institution as security, till the time the loan is fully repaid.

The lending institution will hold the original property related documents till the time the loan is fully repaid along with the interest.

Home loans – Who Are Eligible

• •   Entrepreneurs, People from the Business Fraternity (HNI’s, UHNI’s, SME’s)
• •   Salaried Individuals
• •   Self Employed Individuals
• •   Professionals: Doctors, Lawyers, Chartered Accountants, Architects, Artists, Free Lancers, Consultants etc…
• •   NRI’s (Non-Resident Indians)

Loan Against Property (LAP)

Mortgage loan or loan against property means the borrower takes a loan which is secured against his current residential or commercial property. The benefit of mortgage loan is that it considers the market value of the property as on date. As such, the borrower can get higher amounts of loan.

Best is, the loan money can be used to meet financials requirements of any kind.

Loan Against Property – Who Are Eligible

• •   Entrepreneurs, People from the Business Fraternity (HNI’s, UHNI’s, SME’s) – This fund is extremely lucrative because of its permissible use as Working Capital for businesses.
• •   Salaried Individuals
• •   Self Employed Individuals
• •   Professionals: Doctors, Lawyers, Chartered Accountants, Architects, Artists, Free Lancers, Consultants etc…
• •   NRI’s (Non-Resident Indians)

Working Capital / Business Loans (BL)

Loan given to businesses, self-employed entrepreneurs, professionals or corporations without any collateral security is called a business loan.

The sanction of business loan is based largely on the creditworthiness of the borrower and the firm. The bank or the financial institutions will first take a look at your firm’s and your credit score and analyse your credit rating before offering loan. They will also look at your financial statements for the past 3 years, bank statements, Nature of business, its current and expected returns and the market trend.

Business Loans or Working Capital – Who Are Eligible

• •   Entrepreneurs, People from the Business Fraternity (HNI’s, UHNI’s, SME’s)
• •   Salaried Individuals
• •   Self Employed Individuals
• •   Professionals: Doctors, Lawyers, Chartered Accountants, Architects, Artists, Free Lancers, Consultants etc…

Typical Uses of a Business Loan:

• •   Working Capital requirement
• •   To fill short term financial requirement
• •   Business Expansion
• •   To set up new business
• •   Launching a new Product
• •   Advertising & Marketing of Products & Services

MSME / SME Loans

A business loan given to Small & Medium Size enterprises (SME’s) are known as SME Loans. These loans are offered to SME’s to meet their various requirements like setting up a unit, buying machinery, technology upgradation & other day to day working capital etc…

As SME is the segment on which the economy of any country is based & as any business needs finance depending upon the size & nature of business, thus based on that there are mostly Public Sector & PSU Banks including a few remaining NBFC’s who offers different types of SME Loans.

Types of MSME Loans

• •   Cash Credit Facility (CC)
• •   Over Draft Facility / Dropline Over Draft Limit (OD/DOD)
• •   Term Loan
• •   Letter of Credit
• •   Lease Rental Discounting
• •   Bank Guarantee
• •   Point of Sale Finance
• •   Equipment Finance
• •   Project Finance

MSME Loans – Who Are Eligible – Any Business Registered Under MSME

• •   Manufacturers
• •   Wholesalers
• •   Retailers
• •   Service Providers
• •   Doctors

Project Funding / Finance

Project finance is a favourable method for funding relevant capital expenses and related construction costs. The money thus obtained can be borrowed through a lender by providing additional security and hypothecation of the plant and machinery thus purchased. Project financing by means of equity usually revolves around accepting the fund in exchange of the equity stake in the organisation.

A unique aspect is that the funds are procured for either expansion or starting a project and the money is repaid by means of the revenues thus generated from the project.

Private Equity Funds

Private equity funds are pools of capital to be invested in companies that represent an opportunity for a high rate of return. They come with a fixed investment horizon, typically ranging from four to seven years, at which point the PE firm hopes to profitably exit the investment. Exit strategies include IPOs and sale of the business to another private equity firm or strategic buyer.

Institutional funds and accredited investors usually make up the primary sources of private equity funds, as they can provide substantial capital for extended periods of time. A team of investment professionals from a particular PE firm raises and manages the funds.

Debt Consolidation Or Restructuring

Debt restructuring is a process that allows a private or public company or a sovereign entity facing cash flow problems and financial distress to reduce and renegotiate its delinquent debts to improve or restore liquidity so that it can continue its operations.

Similarly, Debt Consolidation is a concept that will allow you to regain the confidence by minimizing the monthly outflow & maximizing the savings for future even without increasing the income. The replacement of multiple loans with a single loan, often with a lower monthly payment and a longer repayment period.

Balance Transfer For Better Rates, Top Up & Credit Repair

Usually it is the transfer of Credit from one institution to other for obtaining better rate of interest along with the provision of getting a top up of the existing loan amount, this can be beneficial in improving the credit structure with added flexibility.

Sometimes, disputes arise out of the thin air which affect both, the borrower as well as the lender; such disputes usually arise out of minor misunderstandings, miscommunications/ mis-commitments by representatives of either parties. These disputes can cause not only a sour experience for the borrower but also affect his/her Credit Score (CIBIL) in a fairly negative way. Fortunately, such disputes may be resolved with the help of mediation by a third party (such as us) who understand the standpoints of both parties & act as a channel, improve communication & clarify misconceptions. This is one of our most sought-after services that our Clients long to avail.

Project Consulting – Feasibility Mapping, Marketing / Advertising Planning & Liaison

If you have a Project that you’re incubating for some time, you’ve already done the due diligence as far as the P & L of the Project is concerned however you are apprehensive or unsure weather to launch the Project or not; share it with our Experts.

Our seasoned Project Management Experts will do a Feasibility Mapping & accordingly prepare a Marketing, Branding & Advertising Execution Plan, share it with you & if that gives you the confident & faith in the potential of the project that you require, we shall help you kick-start the Project & take away all the hiccups.

Our team shall also be instrumental as liaison in dealing with the relevant authorities, finding the right buyers for your Products/Services and in creating the most favourable ecosystem for your business to nurture & flourish.

Real Estate Sales (Selling of Commercial / Retail / Institutional or Residential Real Estate Units or Entire Projects)

Our core strength is concealed in our relationships with the most trusted Real Estate Developers & Brands. Other than that, we hugely, market & exclusively sell leading projects on a PMC (Project Management Consulting) level agreement (or associate as brokers) with the developers & in-turn offer the best of both worlds to the buyers (our clients).

Having emphasized on Leading Developers & Brand, doesn’t mean that we do not indulge with Developers / Builders who are doing exceptional work but at a much small scale. We assist such honest & hard-working people in offering their best development to the most apt target audience. Some of the finest developers have emerged from this new gen builders & construction companies that have the appetite for risk taking & making the big leap with the products.

Real Estate Investments (Buying / Purchase of Commercial or Residential Real Estate)

Real Estate has always been at the epicenter of all Investment Products & we understand that no matter how big the economic stress is, investments in Real Estate shall never cease to benefit its investors. Our team specializes in identifying the best investment opportunities with calculated risks & safeguards ensured to our Clients.

We deal with properties which are safe to put money in. Thus, achieving the best ROI (Return of Investment) is our claim for our investors. Our team has the expertise and updated market information to guide our investors towards the right product/project for Investment. We also maintain our Investor's portfolio, which help them to track their investments.

Brokering - Sale / Purchase of Distressed Property / Asset, NCLT Projects / Properties, Assisting NPAs.

A property seized by a bank to sell and recover its unpaid loan by the owner is known as a distressed property. Such instances generally occur when a homeowner defaults on four or more EMI payments consecutively. The properties are put on auction by the bank to recover the outstanding loan amount, and they generally fetch a price much lower than the market value.

Distressed properties in the Indian real estate market are a rare scenario since less than five percent of the home loan borrowers’ default on their EMI’s for periods long enough for banks to order an auction. The base price for the auction of a distressed property is evaluated on the basis of the pending loan amount.

My Money Merchants doesn’t essentially promote the buying of Distressed Properties to its Client base, rather, we prefer recommending pristine properties that are not under distress.

But having said that, we invest a lot of effort in making sure that people just don’t surrender their properties to the lender under distress; instead we let them opt for a better & wiser solution: Selling off any property and ease financial stress build-up!