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Working Capital & Capex for Metal Businesses
Structured limits for steel, aluminium and non-ferrous processors, rolling mills, foundries and metal traders.
How We Serve the Metals Sector
Metal businesses are working-capital heavy: high-value inventory, price volatility that can swing margins overnight, and suppliers who demand LC or advance payment while buyers stretch credit.
We structure inventory-funding limits with realistic margins, import/inland LC lines, and capex loans for furnaces and rolling capacity — placed with lenders that understand metal-cycle economics rather than penalising them.
Funding Challenges We Solve
Case Study
Aluminium extrusion company, Bhiwadi
₹14 Crore limit restructuring
The Challenge
Rising aluminium prices doubled inventory value but the bank's limits stayed static, forcing the promoter to fund stock through 18% unsecured borrowings.
Our Solution
We restructured the entire facility — CC limits re-assessed on current metal prices, an inland LC line added for supplier payments, and the expensive unsecured debt consolidated into a loan against the factory property.
Business Impact
- Working capital limits raised 75% to ₹10.5 Cr
- Unsecured 18% debt replaced with 10.2% LAP
- Annual interest saving of ₹64 Lakh