{"id":3322,"date":"2022-09-06T09:58:00","date_gmt":"2022-09-06T09:58:00","guid":{"rendered":"https:\/\/demo.oceanthemes.site\/sandbox\/?page_id=3322"},"modified":"2025-08-16T10:03:39","modified_gmt":"2025-08-16T10:03:39","slug":"financing","status":"publish","type":"page","link":"https:\/\/zytrex.one\/?page_id=3322","title":{"rendered":"Financing"},"content":{"rendered":"\t\t
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FINANCING<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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We are a creative company that focuses on establishing long-term relationships with customers.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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DEBT RESTRUCTURING<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t
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Debt restructuring refers to the reallocation of resources or change in the terms of loan extension to enable the debtor to pay back the loan to the creditor. It is an adjustment made by both the debtor and the creditor to smoothen the temporary situation.<\/p>

There are two types of debt restructuring: \u2013<\/p>

  • General-<\/strong>\u00a0<\/u>General Debt restructuring occurs when the creditor incurs no losses in the process. The creditor may extend the repayment period or lower interest rates, so that the entity can pay the debt later.<\/li><\/ul>
    • Troubled-<\/strong>\u00a0<\/u>Troubled debt restructuring refers to when the creditor incurs losses in the process. This may happen due to alterations to equity or declines in accumulated interest.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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      TRADE FINANCING<\/h2><\/div><\/div>

      trade finance helps in reducing risk associated with global trade by reconciling the divergent needs of an exporter and importer. Ideally, an exporter would prefer the importer to pay upfront for an export shipment to avoid the risk that the importer takes the shipment, but refuses to pay for the goods. However, if the importer pays the exporter upfront, the exporter may accept the payment but refuse to ship the goods.
      Which wholly depends on the terms of the sale. These activities are risky as they operate in international arena. To reduce this risk banks and other financial institutions are included. As we have a good relationship with banks, we can help you find the best option with reasonable rate of interest and risk-free terms and conditions. We help you to turn your receivables into cash.<\/p>

      \u00a0Letter of credit<\/strong>\u2013 We help you to get the bank guarantee. Here, the bank provides the cash against your receivables. They can provide security when buying and selling products or services. It can be both: \u2013<\/p>

      Seller protection<\/strong>\u2013 In this case if a buyer fails to pay a seller, the bank that issued a letter of credit must pay the seller as long as the seller meets all of the requirements in the letter.<\/p>

      Buyer protection-<\/strong>\u00a0In this case, if you pay somebody to provide a product or service and they fail to deliver, you might be able to get paid using a standby letter of credit. That payment can be a penalty to the company that was unable to perform and it is similar to refund.<\/p>

      Trust receipt-<\/strong>\u00a0We also help in getting the trust receipts. This is the notice of the release of merchandise to a buyer from a bank, with the bank retaining the ownership title of the released assets.in an agreement involving a trust receipt, the bank remains the owner of the merchandise, but the buyer is allowed to hold the merchandise in trust for the bank, which serves as a promissory note to the bank that the loan amount will be repaid upon sale of the goods.<\/p>

      Discounting bills of exchange<\/strong>\u2013 We also help you in negotiating with the banks and other financial institutions for discounting bill of exchange. In which, an instrument in writing contains an unconditional order, signed by the maker, directing a certain person to pay a certain sum of money only to, or to the order of a certain person or to the bearer of the instrument. In this case the paying party may fail to meet the conditions and, in this circumstances, if the bill is encashed by the bank is called discounting bills of exchange.<\/p><\/div><\/div>

      OVERDRAFT FACILITY<\/h2><\/div><\/div>

      \u00a0<\/strong>We also help you in availing overdraft facility from banks. Overdraft can be used for short term requirements. This facility allows account holder to make withdrawal from the existing savings bank account, even after the balance reaches zero. In this case the interest is charged only upon the actual amount withdrawn and not the total amount, like in the credit card, but unlike credit card, where you have the grace period when interest is not applicable on the amount borrowed, in an overdraft interest is applicable from the day of borrowing itself.<\/p><\/div><\/div>

      MORTGAGE LOAN<\/h2><\/div><\/div>

      We help you with flexible financing options, which can help to make a new property purchase a reality, whether you are a property investor or first time home buyer. We try to offset your mortgage interest with better rates from the banks. Consequently, lower your net interest expenses and manage your wealth easily with separate mortgage & savings account. Your retail income and assets return are the sources of income, which is calculated while determining the mortgage terms. Overall, we help you to negotiate with the banks and simplify the application process.<\/p><\/div><\/div>

      SME & MSME LOANS<\/h2><\/div><\/div>

      \u00a0<\/strong>As a supporting system, we also help you in negotiating with the banks and other financial institutions for SME &MSME loans.<\/p>

      SME LOANS<\/strong>\u00a0Provides guarantee to small and medium enterprises to help them secure loans from the participating lenders. This is done for acquiring business installation and meeting working capital needs of a general business.<\/p>

      As rooted in Hong Kong, we have been continuously supporting companies to expand their businesses and thrive in challenging business environment. We help to ease our valued customer\u2019s financial burden, we are always available to support the hk SME\u2019s.<\/p>

      MSME LOANS<\/strong>\u00a0stands for micro, small and medium enterprises, which is an efficient means of providing financial support to your business. MSME loans may be required by the businesses spread over diverse fields, starting from a production based company or any other company like dental clinic, that needs latest dental equipment for upgrading to the most advanced machinery or may be in fitness clubs that needs latest workout equipment\u2019s etc.<\/p>

      They generally finance for project based businesses, where in a company is working for a particular project and requires funds for setting up production unit etc. These kinds of loans are generally to start a micro business or to improve the existing business.<\/p><\/div><\/div>

      COLLATERAL BASED AND NON-COLLATERAL BASED<\/h2><\/div><\/div>

      We as a backbone for\u00a0 your business also assist you in acquiring collateral based loans (secured loans) and non-collateral based loans (unsecured loans).these kind of loans can be of huge advantage for your business.<\/p>

      COLLATERAL BASED LOANS<\/strong>\u00a0are the secured loans that allows the borrower to pledge an asset for availing a loan. For this type of loan, the loan amount is symmetry to the value of the collateral. These are generally risk-free loans for the lender. As the lender in circumstances of borrower\u2019s default can liquidate the assets. This even result beneficial for the borrower as he can avail a higher loan amount at a lower interest rate than the unsecured loan.<\/p>

      NON-COLLATERAL BASED LOANS<\/strong>\u00a0is a unsecured loans. This kind of loans are issued and supported only by the borrower\u2019s credit worthiness, rather than any type of collateral. Non-collateral based loans are sometimes referred to as signature loans or personal loans- as approved without the use of property or other assets as a collateral. The term of such loans, including approval & receipt, are therefore most often contingent on the borrower\u2019s credit score. For availing these loans, borrowers must have high credit score to be approved for unsecured loans.<\/p>

      Unsecured loans, as they are not backed by pledged assets, are riskier for lenders, and, as a result, typically come with higher interest rates. Unsecured loans also require higher credit scores than secured loans. In some instances lenders will allow loan applicants with insufficient credit to provide a cosigner, who can take on the legal obligation to fulfill a debt should be borrower default.<\/p><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"

      FINANCING We are a creative company that focuses on establishing long-term relationships with customers. DEBT RESTRUCTURING Debt restructuring refers to the reallocation of resources or change in the terms of loan extension to enable the debtor to pay back the loan to the creditor. It is an adjustment made by both the debtor and the […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-3322","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/zytrex.one\/index.php?rest_route=\/wp\/v2\/pages\/3322","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/zytrex.one\/index.php?rest_route=\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/zytrex.one\/index.php?rest_route=\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/zytrex.one\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/zytrex.one\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=3322"}],"version-history":[{"count":4,"href":"https:\/\/zytrex.one\/index.php?rest_route=\/wp\/v2\/pages\/3322\/revisions"}],"predecessor-version":[{"id":14929,"href":"https:\/\/zytrex.one\/index.php?rest_route=\/wp\/v2\/pages\/3322\/revisions\/14929"}],"wp:attachment":[{"href":"https:\/\/zytrex.one\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=3322"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}