Products overview

Products

Vistaar’s offering has been increasing in both ticket size and tenor. Today Vistaar has four different products, which cover an entire spectrum of capital requirements for our customers, the latest of which is the Bill Discounting product & Equipment finance.

  • Small Business
    Hypothecation Loan (SBHL)
  • Loan amount upto:
    Rs 95,000
  • Typical tenor:
    2 years
  • This facility is offered to serve the requirements of small business across all sectors of economy like, all kinds of shops (general, kirana, hardware, utensil, cloth/readymade, shoe, pharmacy etc.), small enterprises based out of home/cottage (powerloom, autoloom, handloom, snacks making, pickle/papad, jelly making etc.), services (hotel/tea/bakery, welding, engineering works etc.) and non-farm enterprises (dairy, agri processing etc.)

  • Small Business
    Mortgage Loan (SBML)
  • Loan amount upto:
    25 Lacs
  • Typical tenor:
    5 years
  • The purpose of this loan is to serve small businesses, self-employed segment like traders (all kinds of shops), manufacturers (small manufacturing industries, mills) & services (hotel industry, lathe machine, garages) that require larger amount of capital to better their operational, working capital capacities.

  • Bill
    Discounting
  • Loan amount upto:
    25 Lacs
  • Typical tenor:
    90 days
  • This product is offered to manufacturing units that are located in small towns, semi urban and industrial areas. It typically caters to the Tier I / II manufacturers such as enterprises who purchase the raw materials from various aggregators. The average annual turnover of the business is usually 1 crore or above.

  • Equipment
    Finance
  • Loan amount upto:
    25 Lacs
  • Typical tenor:
    4 years
  • Vistaar provides equipment financing products to help enhance liquidity and productivity that will help to gain a competitive edge. Vistaar typically finances machinery like engineering and wood working machines to micro and small businesses intending to purchase machinery to enhance their business. Customers could be individuals, partnerships, proprietorship etc.

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