One of the services we offer to our clients within loan syndication is for raising the working capital finance. Working capital finances are required by our clients, in any of the different structured instruments available like: • CC • WCDL • FCNRB • FCL Our competent credit team measures the credit needs of our respected clients and structures the solutions accordingly. The working capital finance is normally carried on by us on the floating interest rates both for short as well long terms.

Bank Term Loans are usually necessary for acquiring fixed assets for a business such as plant, machinery, land, building, development of housing and commercial projects etc. Our strong bonds with reliable banks and various other financial institution assists our clients in availing bank term loans. These loans are utilized by them to meet their long-term necessities of buying, installing or expanding their specific projects anywhere within the vast extent of the Indian subcontinent.

On the demand of our valued clients, we arrange Real Estate Business Loans for them on all types of income producing and commercial properties including the following:

• Owner occupied buildings
• Manufacturing facilities
• Shopping centers
• Apartments
• Office buildings
• Health care facilities

These short and long term loans are used to pay off the existing debt. We offer this service across India as per the convenience of our clients and at the competitive rates of interest.

External Commercial Borrowings (ECBs) plays a vital role as a source of funds for corporate establishments. These ECBs we provide consists of bank loans, fixed and floating rate bonds (without convertibility), suppliers' and buyers' credits and borrowings from private sector like Financial Institutions such as International Finance Corporation.

The focus of ECB’s is upon three aspects:

• Eligibility criterion for tapping external markets
• The size of borrowings that are to be raised and their maturity construct
• End use of the funds raised through us

We arrange Letter of Credit (L/C) and Standby Letter of Credit (SBLC) for various corporate to arrange capital. It is a document issued mostly by various financial institutions that provides an irrevocable payment undertaking to a donee against complying with the documents as stated in the Letter of Credit.

For ultimate satisfaction of our clientèle we also arrange bank guarantee for our clients involved in various commercial activities. It is referred to a guarantee made by a financial institution on behalf of a customer (usually a well-established corporate client) if he fails to deliver the payment making this financial institution the co-signer for one of its customer's purchases.

We also provide an Overdraft Ffacility for our clients. Under it various banks and financial institutions provide a limit to the beneficiary party without depositing any primary security. We arrange for this facility entirely on the basis of the last year's sale and market value of the property of our clientèle.

Our clients could also avail of the Foreign Direct Investment (FDI) facility offered by us. It is considered to be a vital tool for giving a jump-start to the economic growth through its strengthening capability of domestic capital, productivity and employment. FDI is a direct investments made by foreign investors into the corporate houses of our clients. Our clientèle can efficiently improve the skills of their workforce, infrastructure and general business climate through this facility.

Private Equity Services offered by us is a time tested way adopted by private investors of investing in a company through a negotiated process. The funds that are raised through private equity can be used for expansion of working capital, innovating new products and technologies, bolstering a company's balance sheet or for making acquisitions. At Lucent, we have made special arrangements with a large number of private investors for fixing up private equity for our valued clients.

Lucent Financial Services Private Limited also undertakes loan syndication for infrastructure expansion or Bigger Project Loans. Since bigger projects often require banks to undertake their loan syndication. So, it is a mutual agreement between two or more banks or financial institutions for providing a large number of borrowers, a credit facility using the arrangement of common loan documentation.

With the increasing phenomena of Globalization within the world economy, many organizations are following the path of Mergers & Acquisitions in order to make their strong presence felt across the different countries of the world. The complex nature of carrying out mergers and acquisitions often has various risks and liabilities. It requires the skills of an expert financial advisor. This is exactly where we come to your assistance. We can easily analyze the expected trouble spots in execution of a merger and acquisition deal, and through our innovative financial procedures frame exact solutions for our clientèle.

We also have an edge over other financial service providers because of Project Report Preparation carried out by our expert team of financial experts. These reports are drafted as per the strict Banking Norms which are based upon the previously analyzed data provided by our clients. Within these reports we include the entire financial information of the company, it's business activities and their promoter(s) who have planned to take loan from Banks or other Financial Institutions.

This facility can be availed from us by our corporate clients who are already the beneficiaries of term loans or C.C. limit from some Banks or Financial institutions at a higher rate of interest. At Lucent, we offer the similar service to our clients but at a lower rate of interest. Also, we enhance the existing limits on the similar collateral, if it's market value is more than rates of previous assessments.