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Core Commercial Lending Products

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Term Loans

Term Loans

Unsecured credit up to $50,000 – approved in minutes. Perfect for education, travel, home upgrades, or emergencies.

  • Tenure: 1 to 7 years
  • Use Cases: Equipment, plant setup, infra development
  • Features: Flexible repayment, ballooning, and step-up EMIs
  • Risk Tools: Cash flow-based scoring + collateral valuation
Working Capital Loans

Working Capital Loans

Short-term loans to manage cash flow cycles, procurement, or seasonal needs.

  • Tenure: 3 to 18 months
  • Variants: Invoice-based, demand loans, cash-credit limits
  • Monitoring: Real-time borrower cash flow tracking
  • Add-ons: Top-up, auto-renewal, utilization alerts
Overdrafts & Credit Lines

Overdrafts & Credit Lines

Custom revolving credit products for recurring liquidity support.

  • Use: Flexible drawdowns, interest on usage
  • Ideal For: Manufacturers, traders, and service-based firms
  • Controls: Limit reassessment & usage monitoring
Invoice Financing / Bill Discounting

Invoice Financing / Bill Discounting

Advance credit against unpaid invoices to boost working capital.

  • Tenure: 30 to 120 days
  • Channel: Direct or anchor-led SCF models
  • Credit Flow: Seller or buyer initiated, early payment solutions
Equipment & Asset Finance

Equipment & Asset Finance

Loans for financing commercial vehicles, machinery, and technology assets.

  • Collateral: Hypothecation-based or lease model
  • Lifecycle Tracking: Integration with asset registries
  • Variants: Hire-purchase, sale-and-leaseback, usage-linked repayment
Commercial Real Estate Loans

Commercial Real Estate Loans

Medium- to long-term financing for property acquisition, development, or renovation.

  • Loan Size: $100K to multi-million
  • Underwriting: Income-based, rental yield, or project cash flow
  • Compliance: Integrated with local property, lien, and registration checks

Why PhotonMatters for Commercial Lending?

AI/ML Scoring Models for Business & Financial Data

AI/ML Scoring
Models for Business
& Financial Data

SME Risk Grading & Sectoral Benchmarking

SME Risk Grading
& Sectoral
Benchmarking

Custom Workflows for Lending, Renewals, and Modifications

Custom Workflows for Lending, Renewals, and Modifications

Embedded KYC, KYB, Credit Bureau & AML Checks

Embedded KYC, KYB,
Credit Bureau
& AML Checks

Real-Time Monitoring & Early Warning Systems

Real-Time
Monitoring & Early
Warning Systems

Integration with ERPs, GST, Bank Feeds & Registries

Integration with ERPs,
GST, Bank Feeds &
Registries