Kotak Mahindra Bank – SME & Wholesale Lending Solutions (₹7–200 Cr)

Loan Syndication by Intellex Strategic Consulting Pvt. Ltd.

Kotak Mahindra Bank – SME & Wholesale Lending Business

Kotak Mahindra Bank offers comprehensive financing solutions for SMEs, mid-corporates, and large businesses with loan amounts ranging from ₹7 crore to ₹200 crore.

Eligible companies can have a turnover of up to ₹500 crore, making it suitable for growing businesses seeking structured debt solutions.

Intellex Strategic Consulting Pvt. Ltd. acts as your trusted partner in arranging, syndicating, and managing end-to-end loan documentation and approval processes. With strong banking relationships and deep financial expertise, Intellex ensures fast evaluation, professional guidance, and seamless execution.

Please Read: Virtual CFO Services in India: How IntellexCFO is Powering Growth for Businesses

✔ Key Highlights

📌 Loan Amount Eligibility

₹7 crore to ₹200 crore

Maximum turnover criteria: up to ₹500 crore

No restriction on industries except standard regulatory norms

📌 No Negative Profile Restrictions

Flexible approach for businesses with strong business potential.

📌 Loan Products Offered

1. Working Capital Finance

Cash Credit (CC)

Overdraft (OD)
Ideal for managing daily business operations, inventory, and receivables.

2. Term Loans

Funding for expansion, asset purchase, capex, modernization, and long-term financial needs.

3. LAP – Loan Against Property

Allows raising significant capital by leveraging commercial or residential property.

4. Bank Guarantee (BG)

Supports tender participation, project commitments, and contractual obligations.

5. Letter of Credit (LC)

Helps facilitate domestic and international trade transactions.

6. EPC / PCFC

Pre-shipment credit facilities for exporters, enabling better working capital management.

7. LRD – Lease Rental Discounting

Monetize rental receipts from leased properties with structured repayment plans.

8. LCBD – LC Backed Bill Discounting

Ensures smooth cash flows for businesses dealing with large orders or long credit cycles.

9. CLB – Corporate Loan Backed

Structured corporate funding solutions.

Also Read: Family Office Investments in India: Fueling Startups, Scaleups & Growth-Stage Enterprises

📌 Special Approvals & Case Handling

NCLT Cases – Eligible
Kotak considers select viable businesses undergoing restructuring.

Real Estate & Builder Funding – Allowed
Suitable for developers with strong financials and good project profiles.

📌 LTV / Cover

Funding possible up to 200% LTV, depending on property valuation and business financials.

⭐ Loan Syndication by Intellex Strategic Consulting Pvt. Ltd.

Intellex Strategic Consulting Pvt. Ltd. specializes in Corporate Finance, Debt Syndication, SME Funding, Structured Finance, Private Equity, and Business Advisory Services.