Business Lending

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CitiBusiness® offers you an array of business loans for efficient working capital management. You can avail various MSME Loan Products such as Working Capital Loans, Overdrafts, Short and Long Term Loans, Import and Export Finance that are specially designed to meet all your financing requirements and fuel your business growth.
Working Capital Management

Working Capital Management

  • Attractive Alternate Reference Rate (ARR) denominated rates to make your business globally competitive
  • Facilities like Overdraft / Cash credit at attractive interest rates
  • Dropline Overdraft - Unique combination of Term Loan and Overdraft
  • Short term demand loans available in INR and foreign currency denominated rates
Capital Expenditure

Capital Expenditure

  • INR & Foreign Currency term loans at attractive interest rates
  • Facility offered for purchase of fixed assets, construction of factory premises/warehouses/branches etc
  • Term Loans against Property or Stock & Book Debts as collateral
  • Maximum LTV (Loan to Value) of 80%* for property backed lines
Export Finance

Export Finance

  • Pre and Post-shipment credit in local currency at attractive Alternate Reference Rate (ARR) denominated rates
  • Credit Bills Negotiation
  • Export Letter of Credit Advising
  • Letter of Credit confirmation & discounting
Import Finance

Import Finance

  • Import financing at attractive Alternate Reference Rate (ARR) denominated rates
  • Forward lines for FX risk hedging
  • Letter of Credit at competitive rates
  • Guarantees - Advance / Performance / Financial
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Features

The Citi Advantage

The Citi Advantage

Local Presence*

Local Presence*

  • 35 Citibank branches in 20 cities
  • 546 conveniently located ATMs across the country
Global Network*

Global Network*

  • Network in over 100+ countries
  • Direct relationships with more than 6500 correspondent banks worldwide
Team of Specialists

Team of Specialists

  • Certified and highly trained Relationship Managers
  • CitiBusiness specialists to assist with Forex, Trade and Lending transactions
  • Dedicated service support and trade experts
24*7 Access Channels

24*7 Access Channels

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Disclaimer

Click here to view the whole terms and conditions.

*Terms and conditions apply.

All loans are at the sole discretion of Citibank N.A. Citibank reserves the right to ask for additional documents from the applicant. Citibank reserve the right, at anytime, with notice, to add/modify/alter/change or vary any of the Terms and conditions or to replace, wholly or in part. All products and services are at sole discretion of Citibank and subject to RBI/FEMA/SEBI/other regulatory guidelines issued from time to time.

This webpage is intended only for Citibank customers. Any and all facilities/services/offers mentioned on this webpage are subject to specific Citibank N.A. Terms and conditions. You are advised to contact Citibank N.A. to obtain and understand the applicable Terms and conditions and/or any questions you may have with regard to any information contained on this webpage. Citibank N.A. does not guarantee the accuracy, adequacy or completeness of any information on this webpage and is not responsible for any errors or omissions or for results obtained from the use of such information as contained on this webpage. Citibank N.A., Citigroup and/or any of their affiliates/associates have no liability whatsoever to any person on account of the use of information provided herein and the said information is provided on a best-effort basis. Citibank has the right to modify or drop facilities/services/offers mentioned on this webpage at any time without assigning any reason whatsoever.

*All figures are as of December 2018. They are subject to change from time to time.

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