BE GOOD WITH YOUR MONEY

Transcription

1 BE GOOD WITH YOUR MONEY CREATIVE FINSERVE Finance Investment Realty

2 About Us Established in 2006, in Borivali (West) a hustling suburb of Mumbai, India, Creative Finserve is a one stop shop for financial solutions to Corporate and Small businesses. The founding team comprises of Ex-Bankers who got together to revolutionise the Finance sector. It aims at providing a personalized consultation to its clients rather than a vague industry approach. CFPL is associated with all leading banks in Mumbai. Our one stop loan solution will help you to provide fast and hassle free loans.

3 Why CFPL? It is essential to choose an expert finance consultant, who can understand customer's requirement right through the initial loan application till final loan sanction. Since any loan is a long term commitment of Years, Several Factors like expertise, quality of service, in-depth domain knowledge and the company's level of commitment and transparency right through, the loan procedures, the fine print, quality of services offered and safe retrieval of the title deed are critical. Dealing with us will be a memorable encounter as our friendly staff will help you with the entire loan process with ease. The company's motto has always been, To provide a valuable service which leads to customer contentment. One of the significant achievements of creative Finserve has been that it was applauded by many banks for been a top channel partner. CAGR OF 25% approx. Having the pertinent industry expertise and experience for over 15 years, with Major Indian / MNCs, NBFC's of India has given Creative Fin Serve an edge. Our Mission Statement To optimize the financial position of our clients through a firm commitment to excellence and a quality of service. Our Team The team consists of highly trained professionals who cater to all major financial needs of esteemed customers. we have exhaustive knowledge of business realities & corporate working environment and we assess problems to make the correct diagnosis and prescribe appropriate curative action.

4 Services - UNSECURED LOAN Personal Loan A type of loan available from banks, finance companies and other financial institutions, generally for purposes such as personal (medical), family (education, vacation), or household (extension, repairs, purchase of air conditioner, computer, refrigerator, etc.) use as buying a car or furniture. Funds are advanced (lent) to the customer for a fixed period, at a fixed rate of interest with repayments calculated at the outset on thebasis of monthly instalments. So if you always wanted to fulfill above requirement then you need not have to wait longer to save money. Loan Amount ranges between Rs.1 lac and Rs.15 lacs. Loan repayment in flexible tenures from 12 months up to 60 months. No guarantors, security or hypothecation* needed. Simple Documentation & Minimal Paperwork. No specification about the end purpose of the loan amount. Loans available for both salaried and self employed individuals.

5 Services - UNSECURED LOAN Business loan Business loans, simple unsecured Business loans available to small and medium enterprises for all your working capital needs. Capital is a vital component for the success of commerce today. Irrespective of whether a firm is in proprietorship or big organization, finance holds the key to its development, and managing finance is certainly not a child's play. If one is not having the finances at that time, he might well opt for a business loan which is designed specifically to fulfill urgent business requirements. These loans not only help in expanding a business, but also play a vital role in modernizing and improving small as well as medium scale business. Our expertise to get u the right Banks / Institute to fulfill your requirement. No collateral/ guarantor / security required. Speedy approvals. Funds available for business expansion, working capital, child's education or home renovation. Loan Amount ranges between Rs.5 lac and Rs.75 lacs. Loan repayment in flexible tenures from 12 months up to 60 months.

6 Services - SECURED LOAN Car Refinance The car refinance loan is a secured loan like a mortgage loan. The car refinance loans allow you to take a loan on your existing car, by pledging the car registration papers at the lender's and still you can continue using your car as usual. Interest rates on car-refinance loans are almost same compared to personal loans. Loan amount up to 80 per cent of the actual car value. Our expertise to get u the right Banks / Institute to fulfill your requirement. Loan repayment in flexible tenures from 12 months up to 60 months. Speedy approvals upto the valuation of the car. Balance transfer of car loan to get additional loan amount to fulfill your requirement No specification about the end purpose of the loan amount. Home Loan A home loan, is loan taken for the purchase or construction of a living space. Quite obviously, you would want to avail the maximum amount at the minimum rate possible, which is why we are here to help you. Our expertise to get u the right Banks / Institute to fulfill your requirement. Loan repayment in flexible tenures from 1 year up to 30 years. Lower Rate of interest compare to any other loan. Tax Benefits : The effective rate of housing loans is much lower than the nominal rates quoted by the banks/housing finance companies because of the tax benefits.

7 Services - SECURED LOAN Loan Against Property / Term Loan Under this, the borrower pledges a collateral in the form of property (Residential or Commercial) against the loan amount. Dropline Overdraft (OD) An overdraft is a facility granted to you whereby you can overdraw your current account up to an agreed limit. Our expertise to get u the right Banks / Institute to fulfill your requirement. Great back up for unexpected expenses. Spend beyond what is in your account up to the limit. Pay interest only on the amount you use and only for the period you use it.loan repayment in flexible tenures. Flexible repayment - Option to choose between Dropline Overdraft Facility or EMI based loan. Residential and commercial properties accepted as collateral. Excellent debt consolidation tool. Our expertise to get u the right Banks / Institute to fulfill your requirement. Provides you with instant liquidity when you require it the most without selling your property. Loan repayment in flexible tenures from 1 year up to 15 years. Higher Loan amount with Lower EMI. Funds can be used for business as well as personal needs. Flexible repayment - Option to choose between Dropline Overdraft Facility or EMI based loan. Residential and commercial properties accepted as collateral. Excellent debt consolidation tool.

8 Services - SECURED LOAN Lease Rental Discount (LRD) Lease Rental Discount is a term loan offered against rental receipts derived from lease contracts with corporate tenants. Our expertise to get u the right Banks / Institute to fulfill your requirement. Loan repayment in flexible tenures from 1 year up to 15 years restricted up to pending lease tenure. No specification about the end purpose of the loan amount. Higher Loan amount with Lower EMI. Excellent debt consolidation tool. Loan transfer from other banks + Top up. Bank Guarantee Bank Guarantee is an instrument issued by the Bank in which the Bank agrees to stand guarantee against the non-performance of some action/performance of a party. The quantum of guarantee is called the 'guarantee amount'. The guarantee is issued upon receipt of a request from 'applicant' for some purpose/transaction in favour of a 'Beneficiary'. The 'issuing bank' will pay the guarantee amount to the 'beneficiary' of the guarantee upon receipt of the 'claim' from the beneficiary. This results in 'invocation' of the Guarantee. CFPL arranges this kind of financial products from Nationalise Bank, Cooperative Bank, and Other Private Banks.

9 Services - SECURED LOAN Commercial Purchase Loan We help you in investing for the property which always appreciates. Loan taken for the purchase of commercial property is always a smart move towards making big asset for long term. Quite obviously, you would want to avail the maximum amount at the minimum rate possible, which is why we, at CMS Group of CO's, are here to help you. Overdraft & Cash Credit Overdraft is an extension from financial institution when an account reaches zero. In this situation the bank covers cheques which would otherwise bounce. As per the bank records the bank decides on the authorized overdraft limit and the interest charged at the agreed rate. The maximum overdraft limit is sanctioned by the bank and is agreed upon by the customer. The excess amount withdrawn is charged interest upon and must be settled by the customer on demand from the bank. We at creative finserve can help you get this feature for your business account.

10 Services - SECURED LOAN Balance Transfer Top Up Balance Transfer is a facility offering the customer a choice to transfer the outstanding balance of the loan availed for better terms & conditions. Balance Transfer helps to move from higher rate of interest to lower rate of interest or increase in loan component as Top up. Sometimes, by simply refinancing your existing Home Loan or Mortgage Loan or consolidating a number of debts into one loan can be enough to ease your financial burden. Contact us by to get best solution from the team of experts of CFPL. Our expertise to get u the right Banks / Institute to fulfill your requirement. Better Rate of interest than of your existing loan. Excellent debt consolidation tool. Loan transfer from other banks + Top up. Loan repayment in flexible tenures from 1 year up to 30 years. Tax Benefits continues on Home loan amount transferred.

11 Services - PROJECT FINANCE Builder The builder can avail the bank finance for construction purpose. It can be in the form of Term Loan or Cash Credit facility. Once the construction is over the facility is closed. It is sanctioned without any collateral security in case of NON SRA projects. In other cases the collateral security is must. Manufacturer CFPL expertise as a Financial Consultant puts us in the unique position of being able to create financing solutions that others can't. Whether your expanding a facility, purchasing new equipment, or looking for refinancing, recapitalization, or balance sheet optimization, we know that capital is the lifeblood of your business. To suit your unique financial needs, we structure loans from Rs. 2Crore onwards. We offer traditional and innovative solutions. We have experience in many sectors, from food and beverage, to chemicals and plastics, to metals and mining, and more, and are happy to share our expertise about best practices to keep your manufacturing business on top. Financing products that may benefit your business include: Secured Loans for New Equipment Asset-Based and Cash Flow Industrial Project Finance

12 CREATIVE FINSERVE Finance Investment Realty Contact Us Office No 35, Ground Floor, Shiv Shambhu Chs (Seawoods), Behind Gorai Depot, Gorai 3, Borivali (West), Mumbai cfpl@live.in Tel / 33 Website -