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Channel Finance is an innovative working capital facility to finance channel partners like distributors, dealers or buyers for the purchase of goods or services from a corporate. Tata Capital’s Channel Financing program ensures timely availability of finance for these partners via extended and convenient re-payment terms - thereby, freeing up cash flow for your business growth while strengthening your distribution network.
With Channel Financing, you can leverage the opportunity to not only improve the relationship with your channel partners, but also optimize your business’ liquidity and relieve your cash flow stress. We also offer comprehensive digital solutions and end-to-end support for seamless digital transactions.
Default in payment of interest and/or principal amounts, Below charges on the defaulted amount
| Overdue Days | Penal Charges |
|---|---|
| 1-30 days | 4% p.a |
| 31-60 days | 8% p.a. |
| 61- 90 days | 12% p.a. |
| Greater than 90 days | 24% p.a |
(ii) Dishonour Charges: Rs. 670/- (Rupees Six Hundred and Seventy Rupees only) for every Cheque/ Payment Instrument/ ECS Dishonour.
(iii) Non-creation/perfection of security: @ 2% on the outstanding principal amount will be charged for the period of delay in respect of delayed/non-submission of security/collateral related documents and non-perfection of security.
*Charges to be paid along with applicable Tax
| Description | Periodicity | Penalty Amount |
|---|---|---|
| Delayed/non submission of stock statement | To be submitted Quarterly by 10th of every Calendar Quarter. | Additional one time charge of Rs 20,000/- per Quarter |
| Delayed First Insurance cover note and non renewal of Insurance on due date |
First Insurance:- within 30 days from disbursement date. Renewal : as and when due |
Additional one time charge of Rs 20,000/- per financial year |
| Non adherence of financial covenants’ of sanction letter | At the time of Review /Renew of account | Additional one time charge of Rs 20,000/- per financial year |
| Documentation charges | Rs 5,000/- | |
| Stock Audit charges | Rs 5,000/- | |
| ROC and CERSAI filling | Rs 5,000/- | |
| Valuation charges | As per actuals | |
| TSR fees / Title search fees | As per actuals | |
| Security trust fees | As per actuals |
Charges to be paid along with applicable Tax
Here’s why you should choose Tata Capital to get a Channel Finance loan for your business:
At Tata Capital, we provide several types of working capital loans to cater to the precise needs of business owners. You can choose from the following working capital solutions:
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