Our business model allows investors to take part in generous, fixed interest returns on their investment.
Investors Relation was established to raise capital to fund the expansion of its automotive lending business, US Finance trading as US Finance. US Finance has specialised in lending to small and medium enterprises and persons belonging to poorer sections either individually or joined together as self-help groups in INDIA looking for credit.
Investors relation has delivered consistent, steady growth in both revenue and helping micro entrepreneurs , which has allowed them to continually attract new Investors and pay them fixed interest returns through redeemable preference shares.
Returns starting with very attractive interest rates against higher fixed terms with a reasonable investment amount . Interest is paid monthly / quarterly / half yearly / yearly in arrears and there are no fees and charges. The minimum entry is Rs. 1,00,000 for a 12 month term with maximum ROI .
From its beginnings US Finance adopted a personal approach to lending. Each application is evaluated on its merits; despite the fact some applicants may fall outside the lending guidelines of traditional financial institutions. However, US Finance only lends to clients who demonstrate a clear capacity to repay a loan as well as developing his own business . US Finance continues to settle 1 out of every 5 loan applicants, this is consistent with our past performance. The second tier loan market is made up of customers who don’t qualify for finance from mainstream banks due to a poor credit rating. The philosophy of US Finance is to give Indians who meet our strict lending criteria a second chance thereby affording them an opportunity to re-establish a favourable credit rating. The company operates in an ethical and responsible manner to ensure it meets its regulatory obligations .
As a “marketplace lender”,US Finance funds the loans we approve with capital provided by Indian private and institutional investors. By keeping our costs low, we’re able to offer the most credit-worthy customers market leading interest rates while also generating predictable and low volatility returns for our investors.
The ability to invest in consumer loans was previously available only to Banks – until now. US Finance allows wholesale (sophisticated) investors to fund loans as part of their broader asset allocation and diversification strategy. While this is a relatively new concept here in India , sophisticated investors around the globe have been taking advantage of access to private credit investment opportunities for over a decade.
Private Investors Contribute Capital Into US Finance’s Managed Investment Scheme (MIS).
US Finance provides a prompt and accurate credit search of your customers in India by utilizing the most current and comprehensive database. US Finance will provide its clients with up-to-date credit information about their customers within 24 hours of inquiry. Clients will avoid credit-related losses by making informed sales decisions based on US Finance’s evaluation of the customer’s creditworthiness.
US Finance’s payment guarantee protects your company against monetary loss from the customer’s financial inability to pay. Payment guarantee is based on the credit assessment on the customer and approval of the customer’s credit by US Finance. If a guaranteed customer is unable to pay for a financial reason, US Finance assumes responsibility for the payments. You will eliminate the hassle and stress over the collection of payments.
Company often use factoring services to outsource collection duties. US Finance collects lakhs in accounts receivable daily. Through constant contacts and data compilation, US Finance has built relationship and leverage that help expedite payment collections from retailers and manufacturers. US Finance’s expertise and resources in collections allow to focus on other important aspects of all business.1II
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