Our Services
Corporate & SME Capital
Architecting Sustainable Growth for Enterprises
At RCA, SME borrowing is fundamentally structured around business stability, cash flow visibility, and long-term sustainability to strengthen the business and create room for future growth. Lenders have become far more data-driven, closely assessing GST returns, banking trends, digital transactions, and sector risks. We strengthen compliance readiness by meticulously reviewing financials, tax filings, banking conduct and repayment track records, positioning every proposal for institutional evaluation.
Working Capital Optimisation
Many businesses suffer from common structural flaws in their working capital facilities, including under-assessed stock, mismatches between drawing power and the actual business cycle, and poor utilisation patterns. Lenders rigorously evaluate turnover and stock statements, tracking key benchmarks like current ratios, DSCR, and inventory cycles.
RCA actively improves your sanction limits by:
Expertly restructuring stock
and receivable calculations
Strengthening your overall
financial presentation and correcting ratio concerns
Eliminating red flags that delay
approvals, such as delayed statutory dues (GST returns, TDS or heavy related-party transactions )
RCA actively improves your sanction limits by:
Expertly restructuring stock
and receivable calculations
Strengthening your overall
financial presentation and correcting ratio concerns
Eliminating red flags that delay
approvals, such as delayed statutory dues (GST returns, TDS or heavy related-party transactions )
Expansion & Growth
Capital Structuring
Expansion funding most frequently fails due to unrealistic projections, a lack of promoter contribution, weak collateral coverage, and poor visibility on future cash flows.
To secure growth capital, RCA executes a strategic approach:
Working Capital
Optimisation
Many businesses suffer from common structural flaws in their working capital facilities, including under-assessed stock, mismatches between drawing power and the actual business cycle, and poor utilisation patterns. Lenders rigorously evaluate turnover and stock statements, tracking key benchmarks like current ratios, DSCR, and inventory cycles.
RCA actively improves your sanction limits by:
Business Cashflow Solutions
When businesses face liquidity stress, presenting a compelling case to lenders requires strategic finesse.
RCA restructures stressed accounts into longer-tenure secured facilities that immediately reduce the EMI burden by:
Supply Chain &
Vendor Financing
Manufacturing, logistics, FMCG, and infrastructure businesses frequently require structured vendor financing to bridge the gap between procurement and payment cycles. Lenders carefully assess supply chain credibility, becoming highly cautious when a borrower’s revenue is heavily dependent on a single customer or supplier.
To address weak receivables and inconsistent cash flows that may affect lender appetite, RCA helps structure short-term facilities aligned with your inventory and receivable cycles, helping optimise funding requirements and avoid unnecessary interest costs.
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