Case Study 01
Working Capital Revival
Loan Amount
₹1.75 Crore
Type
Working Capital
Timeline
19 Days
Client Challenge
⚠ Annual turnover: ₹10.8 Cr
⚠ Existing CC limit exhausted
⚠ Bank declined enhancement due to high receivables cycle (90+ days)
⚠ Inconsistent quarterly profitability
NKB Kredit's Intervention
✅ Reworked fund flow statement & operating cycle
✅ Reclassified receivables backed by OEM purchase orders
✅ Presented monthly cash flow-based assessment instead of year-end ratios
✅ Negotiated with bank credit committee
Results Achieved
₹1.75 Cr CC limit sanctioned
Interest rate reduced from 10.25% to 9.45%
Drawing power increased by 42%
Production capacity increased by 28%
Revenue grew from ₹10.8 Cr to ₹14.9 Cr
Important Note: Client names and company identities have been withheld to protect confidentiality and privacy.
Case Study 02
Multi-Location Expansion Funding
Retail Industry
Loan Amount
₹3.50 Crore
Type
Term Loan + WC
Timeline
31 Days
Client Challenge
⚠ Wanted to open 3 new outlets
⚠ Private banks considered retail expansion high risk
⚠ Rental-heavy cost structure impacting DSCR
NKB Kredit's Intervention
✅ Created store-wise profitability benchmarking
✅ Structured funding in two tranches
✅ Selected lender with retail-friendly policy
Results Achieved
₹2.50 Cr Term Loan + ₹1.00 Cr WC limit
EMI aligned with post-launch cash flows
Store count grew from 7 to 10 outlets
Monthly sales increased by 34%
EBITDA margin improved from 9.2% to 12.6%
Important Note: Client names and company identities have been withheld to protect confidentiality and privacy.
Case Study 03
Loan Against Property for Business Restructuring
Service Industry
Loan Amount
₹2.25 Cr
Type
Loan Against Property (LAP)
Timeline
26 days
Client Challenge
⚠ Fleet upgrade urgently required
⚠ Existing loans at high interest (13%+)
⚠ Poor property valuation from earlier lender
NKB Kredit's Intervention
✅ Logical valuations through 3 approved valuers & arrive at the right value.
✅ Consolidated 3 high-cost loans into one LAP
✅ Negotiated longer tenure to reduce EMI pressure
Results Achieved
₹2.25 Cr LAP sanctioned
Interest outgo reduced by ₹42 lakh over tenure
EMI reduced by ₹1.85 lakh
Interest reduced to 9.75%
Fleet size increased by 22%
Important Note: Client names and company identities have been withheld to protect confidentiality and privacy.
Case Study 04
MSME Manufacturing (Collateral-Free Business Loan)
Food Processing Unit | Gujarat
Loan Amount
₹5 Cr
Type
Unsecured MSME Loan
Timeline
14 days
Client Challenge
⚠ No free collateral available
⚠ Prior loan rejection due to thin net worth
NKB Kredit's Intervention
✅ Structured proposal under MSME-focused lender program
✅ Emphasized:
- GST turnover consistency
- Supplier contracts
- Market demand data
Results Achieved
₹5Cr collateral-free loan approved through multiple lenders
Production capacity increased by 47%
Annual turnover grew from ₹24 Cr → ₹36 Cr
No property mortgage
Workforce expanded by 48 employees
Important Note: Client names and company identities have been withheld to protect confidentiality and privacy.