Our services


Corporate Finance

Foreign Currency Loans
We arrange foreign currency loans for companies involved in Exports. Our advice role is based on the needs of client and the conditions prevailing in the domestic and international currency markets.

Rupee Term Loans
We play an active role for Syndication of Term Loans for existing as well as new ventures. The term loans are structured in a manner to capture the cash flows for the company and the debt servicing for the project company. The Term Loans are syndicated through major Financial Institutions and Banks.

Asset Financing
The Company syndicates funds for financing back bone capital assets acquisitions by companies. The fund are arranged through different instruments best soothing the needs and selected based on the company’s requirement.

Acquisition Finance both in India and abroad
We provide extensive support in acquisition financing for domestic investments and also arrange for cross border investments. Our professional expertise and skills with finance covers all facets of debt, structured lending and securities issues, and enables us to bring in to the successful closure of transaction.

Working Capital Loans and Bank Limits
The Corporates need to maintain a sound and adequate working capital for running the day to day chores of business. Our company helps them in maintaining a balanced working capital needs. We act as market makers between investors and good creditworthy companies who wish to raise funds for working capital. The Company uses its relationship network with all the banks and institutions for arranging working capital facilities for our clients. Based on the size of requirement we arrange limits either through the nationalized banks
The working capital loans can help your company in financing inventories, managing internal cash flows, supporting supply chains, funding production and marketing operations, providing cash support to business expansion and carrying current assets.
Working finance products comprise a spectrum of funded and non-funded facilities ranging from cash credit to structured loans, to meet the different demands from all segments of industry, trade and the services sector. Funded facilities include cash credit, demand loan and bill discounting. Demand loans are considered also under the FCNR (B) scheme. Non-funded instruments comprise letters of credit (inland and overseas) as well as bank guarantees (performance and financial) to cover advance payments, bid bonds etc.

Structured Finance
As name suggests this is tailor made/ structured financial solution as per the borrower’s specific requirement. Our products and services are designed specifically for companies, banks, financial institutions and their clients. The products needs are non-standardized and thus structured to meet the specific financial objectives of our clients. For each of our clients financial needs are unique with reference to purpose of requirement, amount in need, financing charge and tenure of finance, security, repayment method etc. and terms of finance offered by lenders make this financing more attractive and cheaper source than conventional sources

Cash Credit
Cash Credit is a facility to withdraw the amount from the business account even though the account may not have enough credit balance. The limit of the amount that can be withdrawn is sanctioned by the bank based on the business cycle of the client and the working capital gap and the drawing power of the client.

Term Loan
Term Loans are the counter parts of Fixed Deposits in the Bank. Banks lend money in this mode when the repayment is sought to be made in fixed, pre-determined installments. Purchases of plant and machinery, constructing building for factory, setting up new projects fall in this category. Financing for purchase of automobiles, consumer durables, real estate and creation of infra structure also falls in this category.

Overdraft
Overdraft facility allows the customer to withdraw the money even if the amount to be withdrawn is in excess of the credit balance available in the overdraft account. Overdraft facility enables the customer to honor the payments to be made to the third party, even though the account may not have sufficient balance. The maximum overdraft limit is sanctioned by the bank and is agreed upon by the customer.

Letter of credit
A letter of credit(L/C or LC) is a document issued by a financial institution which provides an irrevocable payment undertaking to a beneficiary against complying documents as stated in the credit. A letter of credit gives the seller reassurance that he will receive the payment for the goods.

Export Packing Credit
Packaging Credit is any loan or advance granted or any other credit provided by a bank to an exporter for financing the purchase, processing, manufacturing or packing of goods prior to shipment, on the basis of letter of credit opened in his favor or in favor of some other person, by an overseas buyer or a confirmed and irrevocable order for the export of goods from the producing country.

Export Packing Credit are of 2 forms :
1. Pre-shipment Credit (Packing Credit)
2. Post-Shipment Credit
These are available to the exporters, for financing purchase, processing, manufacturing or packing of goods prior to shipment.

i. The pre-shipment / packing credit

The pre-shipment / packing credit granted has to be liquidated out of the proceeds of the bill dawn for the exported commodities, once the bill is purchased/discounted etc., thereby converting pre-shipment credit into post-shipment credit.

ii. Post Shipment Packing Credit

It runs from the date of extending credit, after shipment of goods to the date of realization of export proceeds and includes any loan / advance granted on the security of any duty drawback allowed by the Govt. from time to time. Post-shipment credit has to be liquidated by the proceeds of export bills received from abroad in respect of goods exported.

Bank Guarantees

We are providing Bank Guarantees which will be available to you against minimal requirements and in the shortest possible time. Bank Guarantees is an irrevocable commitment by a bank to pay a specified sum of money in the event that the party requesting the guarantee fails to perform the promise or discharge the liability to a third person in case of the requestors default.

Direct Bills Discounting

Sale Bill Discounting


The bank discounts bills of exchange representing sales of a company, which are duly accepted by the drawee (buyer of the goods). The bills of exchange to be accompanied by -The invoice drawn by the drawer of the bill

1) Proof of movement of goods to the drawee (generally a goods transport receipt is insisted from IBA approved transporters)

2) Acknowledgement from the drawee that he has received the goods in good condition

Purchase Bill Discounting

The facility is extended to well-established Corporates for procuring raw materials. The bills of exchange, drawn on the corporate by their suppliers, and duly accepted by the corporate (to whom the facility is extended), are discounted by APIDC and the payment is made directly to the supplier's bank.

Retail Finance

Unsecured Business Loan
Get a business loan solution that caters to your financial needs from our experts at Pinnacle Corporate Advisory. Benefit from our experience with loan disbursements to self-employed non-professionals and businessmen providing you loans faster to finance your business needs.

Housing Loan
We offer highly customized facilities of availing home loans. Importantly, we appoint a dedicated manager who takes customers through the entire process, starting with the filling in of the application forms and culminating in the loan disbursement process. This otherwise seemingly difficult process is made simpler and more convenient for the customer. Sometimes, customers are unable to spare that extra time from their hectic schedules, and the Bank Doorstep Service makes the home buying process seamless and pleasurable. A relationship that is happy from the start is extended through the attention the customer gets through his loan repayment tenure and beyond.

We believe that in order to succeed, we need to offer not only competitive products, but also the best possible service and value-added features and benefits. In a market where the basic product is largely similar, the differentiator is our ability to understand the customer's need completely and structure the value-adds appropriately. It is with this thought in mind that we innovate constantly, based on our interaction with the customer.

Home buying is an emotional decision and one must find the right partner to guide you through the course.

Key Features

  • High Eligibility for Businessmen
  • Doorstep Service
  • Attractive Interest Rates
  • Simplified Documentation
  • Quicker Turnaround time

Lease Rental Discounting :
Lease Rent Discount is another method to obtain finance from bank or other lending institutes. Lease Rent Discount (LRD) consideration is between the borrower who owns the premises, the tenant who has rented the said premises or taken on lease and the bank or financial institute or Corporate. The agreement is between the borrower and lender and the major term of repayment is the rent is directly deposited with the lender and not with the borrower.

Loan Against Securities
Loan Against Securities offers you instant liquidity.
You don’t have to sell your securities. All you have to do is pledge your securities in favor of bank. We will then grant you an overdraft facility up to a value determined on the basis of the securities pledged by you. Interest will be charged only on the amount withdrawn and for the time span utilized.
This facility is available against the following securities

  • Demat Shares
  • Mutual Funds Units
  • Fixed Maturity Plans (FMP)
  • Exchange Traded Funds (ETF)

Loan Against Property
Loan Against Property is the perfect way to unlock the hidden value of your property. With this loan, you can fully benefit from life’s little surprises you may have earlier passed over due to lack of funds.
LRD, LAS & LAP can be provided for any personal requirements of the customer viz. -

  • Marriage.
  • Child Education.
  • Business.
  • Purchase of Property
  • Improvement of Property.
  • Medical Treatment.

Other Services

Project Finance
we provides its customers with the option of a loan to take care of the needs of an ongoing project, whether it is in Indian or foreign currency. This facility is available for project finance and also for project exports.
A one-stop-shop of financial services for new projects as well as expansion, diversification and modernisation of existing projects in infrastructure and non -infrastructure sectors

Line of Credit
We understands the needs of its clients. Considering the need of our clients for operational flexibility, We have introduced a scheme of “Line of Credit” to enable the clients to switch over between the various working capital facilities sanctioned with relative ease as per their needs compared to the prevalent system of restricting the usage of funds within the maximum limits available within a particular facility only. This system will essentially facilitate medium/large business units in efficient management of their borrowing requirements within the sanctioned Line of Credit facility.

Loan Syndication
The leverages its vast network of relationships to arrange syndicated credit products for corporate clients and industrial projects. With its rich experience and strong reputation, syndication desk can assemble large loan packages involving a ring of reputed financial entities, domestic and international, that match the large credit requirements of infrastructure projects.

Infrastructure Finance
Available in Indian as well as foreign currency, this product enables funding for infrastructure projects, such as, Power Generation, Road Constructions, Construction of Bridges on the Road / Railway Lines, Air/ Sea Port-Development Activities, Telecom, Water Supply System, Urban Development etc.

Private Equity
We bring you access to private equity funds which invest in high growth, privately held companies that are unlisted; to benefit with high compounded returns over a long-term period. As the name implies, private equity funds invest in assets that either are not owned publicly or that are publicly owned but the private equity buyer plans to take private. Though the money used to fund these investments comes from private markets, private equity firms invest in both privately and publicly held companies

We provide the following Advisory Services :

  • Short-term Loans (up to two years) for different short term requirements including bridge loan, Corporate Loan etc.
  • Medium-term Loans (more than two years to eight years) for business expansion, technology up-gradation, R&D expenditure, implementing early retirement scheme, Corporate Loan, supplementing working capital and repaying high cost debt
  • Long-term Loans (more than eight years to up to 15 years) - Project Finance for new industrial/infrastructure projects Takeout Finance, acquisition financing (as per extant RBI guidelines / Board approved policy), Corporate Loan, Securitization of debt
  • Lease Financing
  • Takeover of accounts from Banks / Financial Institutions / NBFCs
  • Financing promoters contribution (private equity participation)/subscription to convertible warrants
  • Equipment Financing / Buyer’s Credit - from overseas banks for financing imported equipment secured by way of hypothecation of plant & machinery

What We do?

  • Identifying the core activities to be strengthened and non-core activities to be spun- off/sold.
  • Understanding client requirement
  • Deciding most effective debt funding strategy
  • Approaching & discussing deal with potential lenders
  • Short listing lenders on predetermined parameters
  • Analyze offers & drive negotiations