📝 One-liners · 68 cards
Term Loans
Key financial check: ****Debt Service Coverage Ratio (DSCR)?
minimum benchmark normally ≥ 1.5 for industrial term loans.
Key financial check: ****Liquidity ratios?
current ratio, quick ratio, working-capital turnover.
Purpose — Term Loan / Working Capital Loan?
Term Loan: Fixed asset purchase — plant, building, machinery, infrastructure; Working Capital Loan: Day-to-day operations — raw material, wages, utilities
Tenor — Term Loan / Working Capital Loan?
Term Loan: Long-term (3–15 yrs; up to 25 yrs for infra); Working Capital Loan: Short-term (≤ 1 year, renewable)
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