The term loan facility will support the long-term growth of businesses. This type of loan is primarily used for fixed asset financing, such as the acquisition of capital machinery, equipment and vehicles. Reliance Finance Limited (REFL) provides both short term and long term loans for capital expenditure. The longer maturity loans can reduce the size of installment payments and help improve the cash flow of the enterprises. Fully amortized equal payment or decreasing payment schedule can also be arranged to ease repayment of debt obligations. REFL also provides loan facilities to meet working capital requirements.


SFIL offers mid and longer term financial solutions to a wide range of client eles who are in their journey to emerge as promising corporate houses in near future. Our portfolio comprises of various private limited companies, partnership and proprietorship concerns with promising business opportunities. We offer different financial products to the potential clients considering the sponsors’ credential, management strength, sales growth, technical soundness, cost efficiency, future prospect and last but not the least their transaction behavior with other lenders and associates, if any.


The General Terms and Conditions are as follows:

  1. 3-5 years for term finance
  2. 1-2 years for Short Term Finance

Maximum loan limit

Maximum limit depends on

  1. Equal monthly / quarterly Installment
  2. Structured repayment as per requirement to match the cash flow.


Collateral is to secure the finance is not mandatory in REFL. Rather the type and mode of security depends on (i) the nature, experience and performance of the business (ii) past track record of the sponsor(s) and (iii) the amount of financial facility to be enjoyed.

  1. Simple and quick processing
  2. Competitive rate of interest
  3. Continuous support
  4. No Charges or Fees before approval
  5. No hidden cost
  6. Financial flexibility
  7. Prompt service