Financing and Lending Business

We at JM Financial Group, understand the importance of financing & lending in the success of a business. We offer financial solutions through lending, syndication, participation in securities issuance and distribution through our two NBFCs viz JM Financial Products Limited and JM Financial Credit Solutions Limited both of which are systemically important non-deposit taking non-banking financial companies.

We partner with our clients to evaluate the financing gaps and structure a customized solutions that works best for their requirements.

We have a wide range of product offerings to cater to diverse clients and market segments.

Our Products

Loan against Securities

These loans facilitate our clients to capitalize on their investments by providing liquidity against investments in Shares, Mutual Funds, and Bonds, without the need to sell the securities.

Loan against mutual funds
Loan against shares
Loan against securities
Loan against bonds

Loans are granted to as high as Rs.150 crores and for an extended tenure of 12 months. The loans can be utilized for fulfilment of any legal and legitimate purposes including business loans, short term working capital requirements or meeting family obligations like marriage in the family, higher education of self or children, medical expenses and so on.

Margin Trade Funding

These loans facilitate our clients to participate and to fund their settlement obligations (Cash/F&O) of NSE and/or BSE and/or MCX and/or NCDEX or any other designated exchange(s) that maybe applicable. This also facilitates the client to make investment/s in Equity markets without having to deploy cash collateral towards the investment. A client can also take a leveraged position on the basis of his existing investments.
Loan is granted as a short term working capital demand loan against an approved list of shares and Mutual Funds for a maximum period of 12 months. With attractive interest rates and no prepayment charges, the offering is designed to offer maximum leverage to participate in Equity markets.

Employee Stock Option Scheme Funding

The ESOP funding product is offered to the employees of various corporates to finance their employee stock options for up to 50% of the approved portfolio value, eliminating the need to arrange liquidity for the same.
We take great pride in offering tailor made solutions which are easy for the employees to understand and benefit from.

Broker Funding

In a case where the client is an existing broker, he may avail funding to meet his working capital needs against the collateral of his existing investment. More than 500 stocks are approved to cater to the extensive needs of the brokers. Loan amount can be up to Rs.100 crores.
Brokers can do part prepayment or foreclose the loan amount, without incurring any prepayment/foreclosure charges. A dedicated Relationship Manager is accessible for addressing all their needs.

IPO funding

For clients who wish to participate in the Primary Market, this makes an excellent offering. It enables a client to participate by giving a small margin and the balance would be funded by JM Financial Products Ltd. This facility grants leverage to the retail clients to apply for a larger application size in public issues and procure higher allotments thereby maximizing gains. The documentation is minimal and funding is handled in a time bound manner, so as to ensure speedy and timely processing.

Loan against Property

Designed as secured loans against property, this product helps clients address funding requirements for both personal and business needs. Clients leverage the economic worth of their property without giving away ownership. The loan is given as a certain percentage (usually around 40% to 60%) of the property's market value.

This proposition allows the client to avail the loans for tenures up to a maximum period of 15 years. Loan against Property is suitable for meeting contingencies such as marriage, higher education, medical treatment, or even for business expansions.

Real Estate Funding

We provide integrated financial solutions to real estate developers. Besides providing funding for real estate projects, we also look at financing through debt syndication as well as distribution of Non-Convertible Debentures to High Net-worth Individuals.

With a predominant focus on residential development, we are currently focused on funding projects located in Tier 1 cities like Mumbai, Pune, Bengaluru and Chennai. We have successfully carried out lending against a few completed, Grade-A commercial properties, in Mumbai and Bengaluru.

Our portfolio comprises of Loan against Property, Project Funding and Acquisition Funding.

Structured Financing

Our Corporate Loans and Financing business aims to deliver credit solutions to Sponsors, Holding Companies, Operating Companies and Special Purpose Vehicles, in order to meet their diverse requirements when traditional templates of interest servicing, security, tenor, principal repayment, may not prove to be feasible.

Over time we have built strong relationships with several of India’s Top 200 promoter groups. Our endeavor is to strengthen the relationships with our existing clients, while also prudently building new partnerships with more promoter groups and corporate houses. We aim to create custom made lending solutions for unique situations that include strategic acquisitions, without compromising on the standards of the securities pledged or mortgaged in our favour.

Visit Our Website

www.jmfinancialcreditsolutions.com

CIN NUMBER : L67120MH1986PLC038784