No single product fits every business. Below is the full range Capgrowth helps you access: what each one is, who it's genuinely built for, and how it tends to work. We'll help you narrow this down to the one or two that fit your business.
Cash credit & overdraft lines that revolve with your buying-and-selling cycle
A revolving credit line, cash credit (CC) or overdraft (OD), secured against stock, receivables, or other current assets. You draw what you need, repay as collections come in, and the limit resets so it's available again. It's built for businesses with a short, repeatable cycle: buy inventory or raw material, produce or resell, collect payment, repeat.
The limit is usually sized against your stock and receivables (drawing power), reviewed periodically, and renewed annually as your business grows. Interest is charged only on what's drawn, not the full sanctioned limit, which is what makes it efficient for cyclical businesses.
Less suited to businesses with lumpy, unpredictable cash flow or little physical stock/receivables to secure the line against; a capex-heavy or subscription-revenue business usually needs a different structure.
Fixed-tenure funding for equipment, capacity expansion or one-time capex
A lump-sum loan disbursed upfront and repaid over a fixed tenure through scheduled instalments: the classic instrument for a defined, one-time capital need rather than a recurring operating cycle.
Sized against the specific need (a machine, a facility, an expansion plan) and often against the asset being funded or the business's overall cash flow and collateral. Tenure and repayment are structured around when the investment starts generating returns, rather than a short revolving cycle.
Repayment starts on schedule regardless of how the cycle is going that month, so it fits better when cash flow is stable rather than seasonal or lumpy.
Unlock cash tied up in unpaid invoices instead of waiting out 30–90 day payment terms
Financing raised against outstanding customer invoices, letting you access most of the invoice value immediately instead of waiting for your buyer to pay. Also called invoice discounting or receivable financing.
You raise an invoice for goods or services delivered; a lender advances a large share of its value upfront. When your customer pays, the advance is settled and the balance (less financing cost) is released to you. The invoice itself, and your customer's payment behaviour, is central to how this gets priced.
Works best with reliable, creditworthy customers and genuine, verifiable invoices; the strength of your buyer often matters as much as your own.
Capital against predictable recurring revenue, repaid as a share of what comes in
Non-dilutive financing sized against your recurring or subscription revenue rather than physical assets. Common for SaaS, subscription and other tech businesses whose main "asset" is a predictable revenue stream, not inventory or property.
The lender looks at your MRR/ARR, churn and revenue predictability to size the facility. Repayment is usually structured as a fixed percentage of monthly revenue, or as scheduled instalments benchmarked to your revenue trend, so it flexes closer to how a subscription business actually earns.
An alternative to raising equity purely to fund growth spend; you keep ownership, and repayment scales roughly with revenue rather than a fixed schedule.
Financing structured against leased-out property, equipment or other hard assets
Financing sized against the value of an asset your business owns and earns from: most commonly rental income from leased-out commercial property (lease rental discounting), or the value of owned equipment and machinery.
The lender assesses the underlying asset and the income it generates (e.g. rental receipts from a tenant), and structures a loan against that income stream, typically over a longer tenure aligned with the lease or the asset's useful life.
Fits businesses that already hold real assets generating steady income; less relevant if your business is asset-light.
Runway extension for VC-backed startups, without giving up more equity than needed
Non-dilutive finance for early- and growth-stage, typically venture-backed companies, used to extend runway between equity rounds, fund working capital, or bridge to the next milestone, without the dilution of raising more equity.
Usually structured alongside an existing equity round, sized against the company's funding history, burn rate and growth trajectory rather than current profitability. Terms often include a mix of interest and, in some structures, warrants; the specifics vary by lender and stage.
Generally sits alongside your equity story rather than replacing it; lenders will want visibility into your cap table and existing investors.
Bespoke financing for larger, more complex or one-off situations
A catch-all for financing that doesn't fit a standard product. It often blends features of term finance, mezzanine capital or asset-backed lending to match a specific, non-standard situation: an acquisition, a large one-time expansion, a special-purpose vehicle, or a business with an unusual cash flow profile.
Terms are negotiated case by case: tenure, security, covenants and pricing are all built around the specific transaction rather than a template. This is usually where an advisory-led approach matters most, since the right structure isn't obvious from a standard product list.
Takes longer to structure than a standard product, since terms are negotiated specifically for the situation.
Letters of credit, bank guarantees and export credit for import/export & trading businesses
A set of instruments, including letters of credit (LCs), bank guarantees (BGs) and export/import credit, that reduce risk and bridge timing gaps in domestic and cross-border trade transactions, rather than providing cash directly.
An LC or BG substitutes the bank's or lender's credibility for yours in a transaction, giving your supplier or counterparty confidence to deal with you on better terms. Export credit funds the gap between shipping goods and receiving payment from an overseas buyer.
Frequently used alongside a working capital line rather than as a standalone facility.
Pre- and post-shipment funding to move goods across borders without straining working capital
Financing that funds the physical movement of goods in and out of the country: from packing credit before shipment, to bridging the gap between shipping export goods and receiving payment, to funding lines that let importers pay overseas suppliers on time.
Export financing typically comes in two parts: pre-shipment finance, which funds procurement and production before goods ship, and post-shipment finance, which funds the receivable from the moment goods ship until the overseas buyer pays. Import financing works the other way, bridging the gap between paying an overseas supplier and converting the imported goods into sales. It's frequently used alongside a trade finance instrument such as an LC.
Sized against confirmed export orders or import purchase obligations rather than general working capital needs; the underlying trade documentation matters as much as your own financials.