Cash Credit is a short term working capital loan, used to finance day to day business operations. Interest is charged only to the extent you use the facility. We at Pinnacle offer hassle-free and convenient cash credit solutions to fit the needs of our business customers. 

Term Loan  

A term loan is primarily meant for businesses to create their fixed assets like Plant and Machinery, Equipment, factory etc. the repayment of the term loan is generally to be made over 5 to 7 years. Moratorium period may be allowed on case to case basis. Pinnacle offers attractive term loan solutions at very competitive rates. It is part of our commitment to meet the business needs of our customers. 

Letter of Credit (Inland / import)

A letter of credit, or “credit letter” is a letter from a bank guaranteeing that a buyer’s payment to a seller will be received on time and for the correct amount. This facility is used for buying Raw Material from unknown buyers or suppliers. 

If you have to do business overseas, you might have to deal with suppliers you don’t know. How can you build trust? How do you assure you will honour the payment? Pinnacle will come to your rescue and provide payment assurance to the supplier in the form of Letter of Credit (LoC). In this way, the business transaction with your supplier becomes easy and seamless. (PJ to give)  

Bank Guarantee 

A bank guarantee is a type of financial backstop offered by a lending institution. The bank guarantee means that the lender will ensure that the liabilities of a debtor will be met. In other words, if the debtor fails to settle a debt, the bank will cover it. 
Trade Finance (EPC, FBP, FBD)  

Trade finance represents the financial instruments and products that are used by companies to facilitate international trade and commerce. … Trade finance is an umbrella term meaning it covers many financial products that banks and companies utilize to make trade transactions feasible 


EPC – Export Packing Credit 

FBP – Foreign Bill Purchase 

FBD – Foreign Bill Discounting  


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