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Tailored Financial Strategies for Every Business Need

Skr fincon ltd

SKR Fincon Ltd — Strategic Capital Access & Cross-Border Business Advisory

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Connecting Global Capital with Credible Enterprise

Headquartered in Mumbai and with an operational presence in the UAE and Singapore, SKR Fincon Ltd connects businesses and investors through bespoke funding, advisory, and strategic solutions.

Our strength lies in our direct access to private and institutional capital — sourced through long-standing relationships with family offices, HNIs, and global investment funds. We assist our clients in structuring and securing funding through these networks with complete discretion, integrity, and efficiency.

Who We Are

SKR Fincon is a financial advisory and capital facilitation platform focused on structured finance, cross-border advisory, and alternative funding solutions. 

For over three decades, our leadership has advised enterprises, promoters, and investors across India and international markets — enabling transactions that combine regulatory prudence with creative structuring.

What We Do

SKR Fincon integrates advisory, execution and direct capital access to deliver tailored financial solutions:

  • Structured & Alternative Finance: Design and arrange bespoke funding for project finance, expansion, trade and working-capital needs where conventional financing is constrained.
  • Inbound Market Entry — Foreign Companies into India: End-to-end India market entry support for overseas corporates — entity selection, FDI/FEMA compliance, banking setup, local financial structuring and introductions to capital and operational partners.
  • Family Office & Private Capital Access: Discreet coordination with family offices, HNIs and institutional investors to identify, structure and deploy capital into curated investment and business opportunities in India.
  • Fractional CFO, Compliance & Governance: Part-time CFO leadership, MIS, reporting and compliance services for foreign subsidiaries and growth-stage companies to ensure investor-ready financial controls.
  • Real-Estate & Asset Investment Advisory: Structuring and capital facilitation for regulated real-estate projects and alternative assets, with governance and investor reporting. 
Each engagement couples regulatory rigour with our direct investor network — funds are mobilized at the discretion of capital partners and deployed only after thorough due diligence and client alignment.

Our Distinction — Access to Capital, Built on Trust

Unlike conventional advisors, SKR Fincon works directly with a network of financial institutions, banks, NBFCs, investors, family offices, and HNIs — providing seamless access to domestic and international capital pools.

Our credibility and due diligence standards allow us to mobilize investor participation swiftly for deserving opportunities. Funds are disbursed at the discretion of our investor network, enabling us to deliver effective and timely funding outcomes while preserving absolute confidentiality.

This unique position — at the intersection of advisory, structuring, and access — defines SKR Fincon’s value proposition and the trust we’ve built with both borrowers and capital providers.

Why SKR Fincon

  • Direct access to investor capital through family offices, HNIs, and global funds.
  • Three-jurisdiction presence: India, UAE, and Singapore.
  • Selective engagements — partnering only with credible businesses, investors, and promoters
  • Integrity-driven processes and compliance with all regulatory frameworks.
  • Over 35 years of industry insight in funding, trade, and capital structuring.

Founder’s Note

“Our mission has always been to connect credible businesses with credible capital — transparently, efficiently, and with utmost discretion. Every engagement reflects our belief that finance, when structured ethically, creates enduring value.”— Sudhir Kumar Rao, Founder & Managing Director

Founder’s Message

Redefining the Rules of Business Finance

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Message from the Founder

Dear Esteemed Stakeholders,

At SKR Fincon Ltd, our mission is to empower Indian businesses by delivering innovative, unconventional funding solutions that fuel growth and foster self-reliance. Rooted in the ethos of “Vocal for Local”, we are committed to transforming India into a global financial powerhouse, supporting enterprises that drive our nation’s progress.

With over 38 years of experience, we have forged strong partnerships with leading global and domestic fund houses, family offices, and High Net Worth Individuals both in India and abroad. These collaborations have been instrumental in shaping our expertise and fortifying our foundation.

Our journey from humble beginnings to a pan-Indian presence, with operations in Singapore, Hong Kong, and the UAE, reflects our adaptability and unwavering commitment to the evolving financial landscape. We pride ourselves on delivering bespoke funding solutions across diverse industries, including banking, trade, real estate, and manufacturing, challenging conventional norms to unlock new possibilities for our clients.

In alignment with Prime Minister Narendra Modi’s vision of “Make in India” and “From Local to Global”, we are dedicated to nurturing Indian enterprises and facilitating their integration into global markets. Together, let us embrace the spirit of “Atmanirbhar Bharat” and contribute to shaping the future of finance.

Thank you for your continued trust and support.

Sudhir Kumar Rao
Founder, 
SKR Fincon Ltd

Fractional CFO Services

Fractional CFO for Problem - Finding - Fixing - Funding Flexible, on-demand CFO expertise to strengthen financial strategy, drive profitability, and prepare your business for sustainable growth. Strategic Financial Leadership on Demand

Fractional CFO Leadership for Business Transformation

Strategic financial insight when you need it most — our Fractional CFO model delivers part-time executive leadership to diagnose issues, optimize performance, and guide your business toward sustainable growth.

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Fix My Cashflow — Strengthen, Restructure, Optimize

Identify the leaks. Strengthen controls. Restore liquidity. Our Fractional CFO team helps businesses regain cashflow balance through restructuring, vendor alignment, and disciplined working-capital management. CFO Services for Instant Business Liquidity Support

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Funding the Fix – Unlocking Working Capital

Fix. Fund. Grow. With Expert CFO Services - Free up cash locked in your business with tailored working capital models — combining financial discipline with access to credible funding sources.

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Right Capital. Right Structure. Right Now

Strategic funding that fits your business model — SKR Fincon connects you to credible investors and institutions, structuring capital intelligently to match your growth trajectory.

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Foreign Companies Entering India – Strategic Financial & Market Advisory

Advisory and execution support for overseas businesses entering India — from entity setup and regulatory compliance to financial structuring, taxation, and strategic partnerships.

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Funding

At SKR Fincon Ltd, we understand that every business is unique and requires financial solutions tailored to its specific needs. We offer a range of innovative funding options designed to empower businesses, fuel growth, and ensure financial stability in a dynamic global market.

Structured Finance

Structured Finance

Custom funding solutions for complex transactions — we connect businesses with private lenders, HNIs and institutional investors, delivering strategic capital with speed, flexibility and discretion.

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Specialized Asset Financing Solutions

Specialized Asset Financing Solutions

Unlock liquidity from your high-value assets through our network of private lenders, HNIs, and institutional investors — tailored asset-backed funding with speed, flexibility, and discretion.

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Invoice Finance & Supply Chain Finance

Invoice Finance & Supply Chain Finance

Convert your invoices into instant working capital and strengthen your supply chain through flexible, digital funding powered by our network of private lenders, HNIs, and institutional investors.

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Unsecured Capital Solutions

Unsecured Capital Solutions

Quick, collateral-free funding for businesses seeking flexible capital through private lenders, HNIs, and institutional investors - unsecured finance delivered with speed, discretion, and reliability.

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Launch Your Business in India

Welcome Foreign Investors & Businesses - Your Growth Starts in India!

Market Entry & Business Setup Advisory

Seamless Market Entry, Hassle-Free Business Setup in India

We provide comprehensive, one-stop solutions for foreign businesses entering India, covering company registration, legal structures, regulatory compliance, taxation, licensing, banking, human resources, market analysis, office setup, operational support, financial services, structured finance, and trade support, with fixed-fee setup packages and monthly retainership for ongoing advisory and compliance assistance.

From Foundation to funding (International business setup)

India-Focused Advisory

We offer financial advisory and investment consulting services to HNWIs (High Net-Worth Individuals), startups, and NRIs looking for investment opportunities in India. Provide fundraising assistance to startups via VC connections, PE firms, or family offices. We offer retainership-based services to foreign clients for managing their India-based financial interests.

Outsourced CFO & Compliance Services for Foreign Companies

Financial Clarity. Regulatory Confidence

We provide end-to-end financial management, compliance, and regulatory support for foreign businesses in India. As an outsourced CFO, we handle accounting, taxation, reporting, and strategy, catering to fintech, online gaming, and other sectors. Services available on a fixed retainership or project basis.

Real Estate Investment & Fund Management

Your Trusted Partner in Real Estate Wealth Creation

We offer end-to-end real estate investment advisory for NRIs, HNIs, and foreign investors, specializing in commercial properties, rentals, structuring, compliance, and due diligence. Services available on retainer or commission basis.

Family Office & Wealth Structuring Services

Opportunity-Led Wealth Advisory

SKR Fincon advises family offices, HNIs, and promoters on structuring, governance, and strategic deployment of capital. Beyond wealth preservation, we identify business ventures and investment opportunities in India—screening, evaluating, and aligning them with each family’s goals. We help families streamline capital through efficient structures, optimise allocation across ventures and funds, and ensure compliance in cross-border investments. Our presence across India, the UAE, and Singapore enables us to connect credible family capital with high-quality opportunities, combining confidentiality with disciplined financial execution. Engagements are selective and relationship-driven, offered only to families seeking transparency, governance, and long-term stewardship. The result: a governed wealth framework with curated access to investment opportunities that preserve legacy and enhance growth in India.

Alternative Investments & Startup Incubation

Unlocking Alternative Investment Opportunities

We specialize in facilitating access to Alternate Investment Funds (AIFs) for foreign businesses, HNWIs, and institutional investors seeking opportunities in India. Our strong family office connections enable strategic investments across private equity, venture capital, hedge funds, and real estate. We ensure optimal fund selection, regulatory compliance, and structured financial solutions to maximize returns and mitigate risks.

Knowledge Centre

"Unlock Financial Wisdom at Our Information Hub - SKR Fincon Ltd's Knowledge Center"

 Structured finance solutions offer tailored financial products to address the unique needs of businesses across sectors. At SKR Fincon Ltd, our structured finance offerings are designed to bridge the gap left by traditional banking options, particularly for industries facing operational and funding challenges.

Who Benefits the Most?

While our structured finance products are applicable to a variety of sectors, they are particularly well-suited for:
  1. Real Estate / Construction / Infrastructure:
    • These sectors often face limitations and challenges in securing traditional bank financing due to regulatory constraints, incomplete projects, or unproductive assets.
    • Our tailored funding solutions under the TSF (Tailored Structured Finance) umbrella are designed to unlock liquidity and enable project completion.
  2. Manufacturing and Trading Companies:
    • Businesses in sectors like steel, cement, and aluminum benefit from structured commodity trade routes that facilitate funding through a simple buy-sell mechanism.
Key Features of Our Structured Finance Solutions
  1. Creation of Non-Fund-Based (NFB) Limits:
    • Leveraging unsold stock, unfinished projects, or unencumbered assets as collateral.
    • These assets, which may currently be non-performing or incomplete, are used to create NFB limits in banks.
  2. No Fund-Based Borrowings from Banks:
    • Instead of direct cash borrowings, we use NFB mechanisms to inject liquidity into your bank account.
    • The funds are contributed by our global network of investors, banks, and institutions and are remitted directly to your bank, aligning with the created NFB limits.
  3. Trade-Based Financing:
    • Facilitated through international institutions, investors, or trading companies.
    • A simple buy-sell mechanism ensures seamless funding for businesses, bypassing complex cash flow challenges.
  4. Currency Risk Management:
    • Mechanisms in place to bypass currency forward cover or hedging requirements, providing a cost-efficient solution for international transactions.
Advantages of Structured Finance for Businesses
  • For Real Estate / Infrastructure:
    • Enables the completion of stalled projects by unlocking funds tied up in unsold or incomplete assets.
    • Addresses the funding vacuum left by traditional banking reluctance.
  • For Manufacturing & Trading Companies:
    • Offers liquidity through structured commodity trade routes, ensuring operational continuity.
    • Provides scalable funding options for sectors like steel, cement, and aluminum.
  • Customizable & Flexible Solutions:
    • Each funding plan is crafted specifically to meet the client’s unique requirements, ensuring alignment with business goals.
How It Works
  1. Assessment:
    • Evaluate the business’s unsold stock, unproductive assets, or work-in-progress projects.
  2. Structuring the Plan:
    • Create a funding mechanism using NFB limits in banks, backed by collateral security.
    • Engage global investors to contribute funds directly to your bank account.
  3. Trade Facilitation:
    • Arrange for institutional or international trading partners to implement a buy-sell mechanism.
  4. Compliance:
    • Ensure all funding structures adhere to the latest RBI guidelines and regulatory standards.
Next Steps
To fully understand the nuances of this structure and explore its suitability for your business, we recommend a one-on-one consultation. Whether online or in-person, our experts will work with you to design a strategy that aligns with your goals and operational needs.

Take the first step toward unlocking liquidity and ensuring sustainable growth for your business. Contact us today!
In today’s dynamic and often unpredictable economic landscape, businesses in sectors like SMEs, real estate, construction, and infrastructure face significant challenges, particularly cash flow crunches. Whether during a pandemic, economic downturn, or periods of market volatility, access to liquidity becomes a critical factor for survival and growth.

Trade Structured Finance (TSF) offers an innovative and flexible solution to overcome these challenges, providing businesses with the financial agility they need to thrive.

Key Benefits of TSF for Your Business
  1. Addressing Cash Flow Gaps:
    • TSF mechanisms are designed to tackle the liquidity issues faced by businesses, enabling smoother operations even during economic uncertainty.
    • For SMEs and capital-intensive sectors like real estate and infrastructure, TSF ensures that critical projects are not stalled due to cash flow constraints.
  2. Tailored Structures:
    • TSF is not a one-size-fits-all solution. Each lending structure is customized to align with your specific business requirements, ensuring maximum efficiency and value.
    • Whether it’s project funding, working capital, or operational liquidity, TSF structures adapt to your needs.
  3. Competitive Cost of Funds:
    • TSF provides access to funding at highly competitive rates, comparable to the best in the industry.
    • The flexibility in structuring ensures that businesses can optimize costs while meeting their financial goals.
How TSF Works
  1. Source of Funds:
    • The origin of funds plays a critical role in determining the overall cost and feasibility of the TSF facility.
    • Funds are sourced through global institutions, banks, and investors, ensuring access to liquidity even in challenging economic conditions.
  2. Impact of Costing Factors:
    • Elements like LIBOR/SOFR (Secured Overnight Financing Rate) directly influence the costing of TSF structures. By leveraging our expertise, we ensure that your TSF facility is structured to minimize costs while maximizing value.
  3. Dynamic Structuring:
    • TSF allows for creative financial engineering to suit specific business requirements.
    • Funding structures include tailored repayment schedules, flexible tenures, and competitive interest rates, ensuring that your financial commitments align with your cash flow capabilities.
Who Can Benefit from TSF?
1. Small and Medium Enterprises (SMEs):
  • Overcome liquidity challenges and focus on growth by leveraging TSF for working capital and operational needs.
2. Real Estate & Construction:
  • Address cash flow gaps to complete stalled projects, manage operational expenses, or fund new developments.
3. Infrastructure Companies:
  • Secure funds for large-scale projects with customized repayment plans that align with project milestones.
4. Commodity Traders:
  • Access trade finance solutions to support buying and selling activities across domestic and international markets.
Why SKR Fincon Ltd for TSF?

  1. Expertise in Structuring:
    • Our team brings years of experience in financial engineering, ensuring that every TSF structure is optimized for your business.
  2. Global Funding Network:
    • We work with top-tier financial institutions, investors, and banks worldwide to provide reliable and competitive funding options.
  3. Cost-Effective Solutions:
    • Our TSF mechanisms are designed to deliver exceptional value, with competitive rates that stand out in the industry.
  4. Client-Centric Approach:
    • Every TSF facility is crafted to align with your business’s unique needs, providing flexibility and transparency throughout the process.
Take the Next Step

Trade Structured Finance is more than just a funding option—it’s a strategic tool that empowers your business to navigate challenges and seize opportunities. 

At SKR Fincon Ltd, we are committed to helping you unlock the potential of TSF with innovative, customized solutions.

Contact us today to explore how TSF can transform your financial strategy and drive your business forward.
Securing funding through traditional banking channels can be a daunting task for many corporates. Stringent policies, lengthy procedures, and risk-averse practices often leave businesses—especially those without a long-standing track record—struggling to meet their financial needs. Alternative and unconventional funding solutions have emerged as a vital lifeline for businesses seeking swift and flexible financing options.

Challenges with Traditional Funding
  1. Time-Consuming Processes:
    • Banks and financial institutions require extensive documentation, compliance with rigid norms, and undergo lengthy evaluation periods, delaying the funding process.
  2. Stringent Lending Policies:
    • Many banks have sector-specific restrictions and unfriendly lending policies, making it difficult for businesses in certain industries to secure funding.
  3. Collateral and Security Issues:
    • Corporates often face challenges in providing the necessary security or collateral, leading to loan rejections.
  4. Preference for Larger Corporates:
    • Traditional lenders prioritize well-established companies with proven credit histories, leaving smaller or newer businesses with limited access to capital.
It is estimated that a significant percentage of corporate loan applications are rejected due to these factors, depriving businesses of the timely funds needed to sustain or grow their operations.

The Alternative Solution
Alternative and unconventional funding has emerged as a game-changer for corporates unable to navigate the rigid frameworks of traditional banks. These funding options provide businesses with faster, more flexible, and accessible financial solutions tailored to their unique needs.

How SKR Fincon Ltd Leads the Way
At SKR Fincon Ltd, we have been pioneers in introducing alternative funding solutions for Indian businesses. Our extensive network of affiliated fund houses and fintech partners allows us to offer innovative, tailor-made financing products, even for businesses with limited credit histories.
  • Tailored Solutions for Corporates:We connect businesses with alternative funding sources that cater to specific industry needs, overcoming the hurdles of traditional lending.
  • Flexible Lending Criteria:Our alternative lenders evaluate businesses based on their potential and requirements, rather than solely relying on credit history or conventional metrics.
  • Fast and Adaptable Funding:Online and fintech-based funding solutions significantly reduce the time and effort required, breaking traditional barriers in the financing world.
Key Features of Alternative Funding
  1. Fast Access to Funds:
    • Streamlined processes and minimal bureaucracy ensure quick disbursement of funds, critical for time-sensitive business needs.
  2. Custom Financing Structures:
    • Flexible loan structures tailored to match the specific goals and financial capabilities of businesses.
  3. No Collateral Required:
    • Many alternative funding options are unsecured, making them ideal for businesses that cannot pledge assets as security.
  4. Sector-Friendly Policies:
    • Unlike banks, alternative lenders have no sectoral bias, providing equitable opportunities for businesses across industries.
  5. Inclusive Approach:
    • Designed to accommodate businesses with limited credit histories or those unable to meet stringent bank requirements.
Who Can Benefit from Alternative Funding?
  • Emerging and Growth-Stage Businesses:
    • Corporates with limited credit history or those scaling operations rapidly.
  • Industries with High Risk Perception:
    • Sectors traditionally underserved by banks due to perceived risks.
  • Businesses Needing Urgent Liquidity:
    • Companies facing immediate cash flow challenges or unforeseen financial obligations.
Our Affiliated Fund Houses and Fintech Partners
SKR Fincon Ltd collaborates with a robust network of online lenders, fintech companies, and alternative fund houses. These partners leverage cutting-edge technology to deliver efficient and innovative financial products, ensuring businesses receive the support they need, when they need it.
  • Technology-Driven Solutions: Online platforms streamline the entire lending process, offering transparency and speed.
  • Breaking Barriers: Fintech companies challenge traditional norms, creating opportunities for businesses that would otherwise be overlooked.
The Future of Corporate Financing
At SKR Fincon Ltd, we firmly believe that alternative and unconventional funding is the future of corporate financing. It offers the flexibility, speed, and inclusivity required to support businesses in today’s dynamic and competitive environment.

Take the First Step
If you’re looking for a funding solution that aligns with your business goals and eliminates the challenges of traditional lending, SKR Fincon Ltd is here to help. Explore the world of alternative funding and discover how we can support your financial journey.

Contact us today to learn more about our innovative funding options and how we can tailor them to your needs.
At SKR Fincon Ltd, in partnership with InvoiceNxt, we offer a unique and innovative approach to Invoice Financing that sets us apart. Designed to address the dynamic needs of businesses globally, with a special focus on corporate India, our solutions are tailored to ensure seamless cash flow, enhanced liquidity, and financial stability.

Key Features of Our Invoice Financing Solutions
  1. Interest-Free Financing:
    • We provide interest-free invoice financing, making it a cost-effective option for companies looking to unlock funds tied up in receivables.
    • This enables businesses to reinvest quickly into operations, expansion, or other financial needs without the burden of interest costs.
  2. Global Reach, Local Focus:
    • Based in Singapore, our solutions are globally sourced but structured specifically for corporate India.
    • This ensures a deep understanding of the Indian market’s unique challenges and opportunities.
  3. Multi-Currency Flexibility:
    • For imports or international transactions, we offer Dollar and other currency-based funding options.
    • Businesses can access foreign currency financing when goods are invoiced from abroad, providing flexibility for cross-border operations.
  4. INR Financing Priority:
    • Our priority sector is Indian corporates, offering financing in Indian Rupees (INR) to meet the specific needs of domestic businesses.
  5. Seamless Technology Integration:
    • Through the InvoiceNxt platform, we digitize the entire procure-to-pay process, allowing businesses to transition from manual working capital management to fully automated, tech-driven solutions.
What Does InvoiceNxt Bring to the Table?
  1. Immediate Liquidity:
    • Suppliers can access immediate payment for their invoices, significantly reducing payment cycles and ensuring steady cash flow.
  2. Global and Domestic Coverage:
    • Businesses operating across borders can rely on InvoiceNxt for smooth financing, whether in INR or foreign currencies.
  3. Smart Contract Integration:
    • The platform mimics smart contract functionality, enabling automatic payment triggers when predefined conditions, like invoice approvals, are met.
  4. ESG Inclusion:
    • Our solutions align with ESG (Environmental, Social, and Governance) goals, incentivizing suppliers and buyers to adopt sustainable practices through tangible rewards.
  5. Fraud Prevention:
    • Fully automated systems reduce human intervention, eliminating the risk of errors and fraud.
Benefits for Your Business
  1. Cash Flow Optimization:
    • Unlock the value tied up in receivables to maintain smooth operations and meet growth objectives.
  2. Cost-Efficiency:
    • Interest-free financing ensures significant cost savings compared to traditional lending options.
  3. Customizable Solutions:
    • Financing tailored to meet your specific needs, whether for domestic transactions or international trade.
  4. Operational Agility:
    • Fast, technology-driven processes reduce the time required to access funds.
  5. Global Trade Enablement:
    • Multi-currency support allows businesses to manage cross-border transactions efficiently.
Why Choose SKR Fincon Ltd for Invoice Financing?
  • Experience and Expertise: Years of expertise in financial structuring and deep understanding of the Indian and global markets.
  • Priority Focus on India: Dedicated to providing tailored solutions for corporate India, with INR financing at the forefront.
  • Innovative Technology: Through InvoiceNxt, we bring cutting-edge solutions that simplify complex financial workflows.
  • Global Network: Access to international investors, fund houses, and lenders ensures a steady supply of funding options.
Take the Next Step
Whether you’re a domestic business in India or a global enterprise, our Invoice Financing solutions are here to meet your needs. With a focus on cost-efficiency, flexibility, and technology-driven processes, we help businesses unlock liquidity and achieve financial stability.

Contact us today to learn how InvoiceNxt and SKR Fincon Ltd can redefine your invoice financing experience.
Invoice financing with InvoiceNxt simplifies cash flow management for Indian corporates by streamlining supplier payments and improving payment credit terms. Whether dealing with domestic or overseas suppliers, this model ensures that businesses can secure their supply chain while enhancing financial flexibility.
Step-by-Step Process of Invoice Financing
  1. Purchasing from Suppliers:
    • As an Indian corporate, you procure goods from domestic or international suppliers, typically raw materials and consumables.
    • Challenges may arise in extending your payment terms with suppliers or securing the supply chain effectively.
  2. Uploading Invoices:
    • You upload the invoices you wish to finance onto the InvoiceNxt platform.
    • The invoices undergo early payment discount adjustments, ensuring favorable terms for both you and your suppliers.
  3. Supplier Invoice Submission:
    • Suppliers raise “perfect” electronic invoices via InvoiceNxt, allowing for automated processing through Straight-Through Processing (STP) with minimal manual intervention.
  4. Early Payment Offers:
    • InvoiceNxt embeds early payment offers into every eligible transaction.
    • Suppliers can request immediate payment against a pre-agreed discount with a single click.
  5. Instant Supplier Payment:
    • Once the invoice is confirmed, suppliers are paid instantly via the platform.
    • The process is fully automated, with no-human-in-the-loop, ensuring speed, accuracy, and efficiency.
  6. Deferred Corporate Payment:
    • As the corporate buyer, you pay InvoiceNxt after a pre-defined credit period (e.g., 30-60-90 days), based on the appraisal and due diligence process.
    • This allows you to extend your payment terms while keeping your supply chain intact.
Why Use Invoice Financing with InvoiceNxt?
  1. Immediate Supplier Benefits:
    • Suppliers receive instant payments, improving their cash flow and financial stability.
    • Transparency ensures suppliers can track transactions from purchase order to payment.
  2. Improved Buyer Credit Terms:
    • Corporates can defer payments without incurring interest, freeing up working capital for other needs.
  3. Automation & Efficiency:
    • The platform is fully automated, ensuring minimal delays and human errors in processing.
    • Early payment requests and approvals are handled seamlessly through AI-driven systems.
  4. Transparency Across Transactions:
    • InvoiceNxt extends your ERP system, removing traditional data barriers.
    • Suppliers gain real-time visibility into the status of their transactions, from purchase orders to payments.
  5. Streamlined Onboarding:
    • InvoiceNxt manages the onboarding process with dedicated local-language engagement teams and a hybrid (human and bot) outreach process.
    • This ensures consistency, scalability, and a seamless experience for all stakeholders.
Key Benefits of Invoice Financing for Indian Corporates
  1. Cash Flow Optimization:
    • Secure your supply chain while preserving working capital for other critical business needs.
  2. Flexible Payment Terms:
    • Enjoy extended payment periods of 30-60-90 days without interest, subject to due diligence.
  3. Supplier Satisfaction:
    • Build stronger supplier relationships by ensuring prompt payments and maintaining transparency.
  4. Seamless Integration:
    • InvoiceNxt integrates with existing ERP systems, enabling easy and efficient financial management.
  5. Scalability:
    • The platform ensures that as your business grows, your invoice financing capabilities grow with it.
How to Get Started
  1. Upload Invoices:
    • Submit invoices for financing through the InvoiceNxt platform.
  2. Engage Suppliers:
    • Suppliers submit their invoices electronically, allowing for automatic processing and early payment options.
  3. Confirm Payment Terms:
    • Define payment terms (30-60-90 days) after our appraisal and due diligence process.
  4. Track Transactions:
    • Use the platform to track and manage all aspects of your purchase-to-payment cycle.
Dedicated Support
InvoiceNxt simplifies onboarding with local-language engagement teams and cutting-edge hybrid outreach models. This ensures every supplier and corporate buyer has a seamless, scalable experience.

For more details on requirements and process steps, refer to the checklist in the FAQ section.

Ready to transform your cash flow management? Contact us today to learn more about Invoice Financing with InvoiceNxt.
Invoice finance is an innovative funding solution that enables businesses to unlock the value tied up in unpaid invoices. Like any financial tool, it comes with both advantages and considerations. Here’s a professional breakdown to help you evaluate its suitability for your business.
Invoice Finance Pros
  1. Unsecured Arrangement:
    • Invoice finance is typically an unsecured funding option, meaning you don’t need to provide additional assets as collateral.
  2. No Risk to Assets:
    • Your unpaid invoices act as security, so there’s no requirement to pledge other business assets, safeguarding your existing resources.
  3. No Additional Charges on Assets:
    • Invoice finance doesn’t create additional charges on your assets, preserving your current financial arrangements and existing credit facilities.
  4. Interest-Free Period:
    • The initial agreed period (e.g., 30-60-90 days) is interest-free, providing cost-effective liquidity for your business.
  5. Quick to Obtain:
    • Unlike traditional loans that can take weeks to process, invoice finance offers rapid access to funds—often within 24 hours of submitting invoices.
  6. Scalable Financing:
    • As your business turnover grows, invoice finance scales with it, allowing you to access more cash in line with your expanding needs.
  7. Time-Saving:
    • Automating the invoicing process speeds up cash flow cycles and frees up working capital for other strategic initiatives.
  8. Early Payment Discount Sharing:
    • You may benefit from sharing the marginal early payment discounts negotiated with suppliers on the platform.
  9. ERP Integration:
    • Most popular ERP systems can be seamlessly integrated into the InvoiceNxt platform, simplifying onboarding and operational workflows.
  10. Enhanced Cash Flow Management:
    • The streamlined process ensures businesses maintain consistent liquidity, reducing financial stress and improving supplier relationships.
Invoice Finance Cons
  1. Reliance on Customers:
    • If your clients delay payments or default, you may face interest charges for the extended period. In worst-case scenarios, accountability for non-payment may be jointly shared.
  2. Short-Term Costs:
    • While platform services are efficient, there may be associated processing fees that need to be factored into your cost planning.
  3. Confidentiality Concerns:
    • With invoice factoring, credit control may be handled by the lender, potentially affecting client perceptions. (This is not applicable with invoice discounting, where you maintain control.)
  4. Longer-Term Costs:
    • If you fail to pay the financed invoice on the due date, lenders may impose interest charges and additional costs for default, which could impact your profitability.
How Invoice Finance Benefits Businesses
By leveraging the InvoiceNxt platform, you can maximize the benefits of invoice financing while minimizing potential drawbacks. Here’s how:
  • Technology-Driven Integration: InvoiceNxt’s seamless ERP integration ensures your invoicing and financing workflows are streamlined, reducing manual intervention and saving time.
  • Transparent Processes: Businesses have real-time access to all invoice transactions, maintaining visibility and control.
  • Customized Solutions: Agreements are tailored to your business needs, including interest-free periods and flexible repayment terms, ensuring a cost-effective approach.
  • Supplier-Friendly: Early payments improve supplier relationships, fostering a healthy supply chain and building long-term partnerships.
Evaluating Invoice Finance for Your Business
Invoice financing can transform how your business manages cash flow by bridging gaps and ensuring liquidity. However, understanding the pros and cons is essential to determine its suitability for your operational and financial goals.

Contact SKR Fincon Ltd today to learn more about how InvoiceNxt can unlock the potential of your invoices and revolutionize your cash flow management.
Unsecured financing is a versatile and dynamic funding solution that offers businesses the flexibility they need to grow, adapt, and thrive without the need to pledge collateral. At SKR Fincon Ltd, we bring a plethora of opportunities under our Unsecured Loans Platform, designed to meet diverse financial requirements and support businesses across industries.
Why Choose Unsecured Finance?
  1. Collateral-Free:
    • Unsecured loans do not require assets to be pledged as security, making them ideal for businesses that lack tangible collateral or prefer not to encumber their assets.
  2. Quick Access to Funds:
    • With minimal documentation and streamlined processes, unsecured financing ensures fast access to funds, enabling you to meet urgent financial needs.
  3. Flexible Terms:
    • Loans are tailored to align with your specific requirements, offering flexibility in repayment terms and loan structures.
  4. Diverse Applications:
    • Whether it’s for working capital, bridge financing, expansion plans, or addressing time-sensitive liabilities, unsecured loans provide a solution for a wide range of financial needs.
Our Unsecured Loans Platform
We offer a bouquet of funding options under our unsecured finance platform, each designed to cater to the unique challenges and goals of businesses.
Key Features:
  • Short-Term Financing: Ideal for businesses seeking funding to manage immediate expenses, bridge financial gaps, or prevent NPAs (Non-Performing Assets).
  • Bridge Loans: Provides interim financing while you wait for approved bank loans or other disbursements to materialize.
  • Working Capital Support: Ensures smooth business operations by addressing day-to-day financial requirements.
  • Tailored Solutions: Each loan is structured based on the specific needs and circumstances of your business, ensuring a perfect fit for your financial goals.
Who Can Benefit from Unsecured Finance?
Unsecured loans are particularly beneficial for:
  • SMEs and MSMEs:Businesses looking to expand operations, manage cash flow, or invest in growth without collateral constraints.
  • Real Estate and Construction Companies:Firms in need of liquidity to manage projects or address time-sensitive payments.
  • Trading and Manufacturing Businesses:Companies seeking operational continuity and financial agility.
Encouraging Exploration
At SKR Fincon Ltd, we believe in empowering businesses by providing accessible, innovative funding solutions. Our unsecured finance platform opens up opportunities for businesses of all sizes and sectors, even in challenging financial scenarios.

Explore this option today and discover how unsecured finance can unlock new possibilities for your business.

Contact us to learn more about our offerings or begin your journey with a customized funding solution tailored just for you.

F.A.Q

"Get Answers to Your Financial Queries - SKR Fincon Ltd's FAQ Section"

 At SKR Fincon Ltd, we provide funding solutions wherever there is a need for financial support. While the following list offers examples of the industries we serve, it is by no means exhaustive:
  • Engineering Services
  • Construction & Real Estate Development
  • Infrastructure Projects
  • Manufacturing Industries (SMEs, MSMEs, and large corporates)
  • Mining, Minerals, and Metals (excluding gold, precious metals, and stones)
  • Commodity Trading (local and international, including agricultural products, steel, coal, etc.)
  • Petrochemicals
  • Public Transport Companies (government and privately owned)
  • Electronics
  • Consumer Goods
If your business activity isn’t listed here, we’d love to hear about it. Taking on new challenges is what drives us forward!
At SKR Fincon Ltd, we pride ourselves on a robust local and global presence that enables us to deliver tailored financial solutions to a wide range of markets. Our current areas of operation include:

  • South East Asia: Providing innovative funding solutions tailored to the dynamic and rapidly evolving economies in the region.
  • Bangladesh: Supporting businesses with customized financial structures to drive growth and development in this emerging market.
  • India: Operating as a priority market, we offer specialized funding solutions to meet the diverse needs of Indian businesses, including SMEs, MSMEs, and large corporates.
  • Sri Lanka: Empowering businesses with strategic financing options to foster resilience and growth in challenging environments.
  • UAE: Leveraging our expertise to cater to the thriving trade, manufacturing, and real estate sectors in the Middle East.
Future Expansion
Our vision extends beyond these boundaries. We are actively exploring opportunities to expand our footprint into other global markets in the coming years, with a focus on fostering long-term partnerships and supporting businesses across industries.

India remains a top priority for our operations, ensuring that businesses across the country have access to innovative, efficient, and scalable funding solutions.
 At SKR Fincon Ltd, we want you to understand what sets us apart and how we can help transform your financial landscape. Here’s what we believe you should know about us:

We Are Independent

As an independent financial solutions provider, we prioritize a client-centered, holistic, and goals-based approach to every engagement. Our independence ensures that our recommendations are unbiased and tailored exclusively to your needs. We believe in empowering you with financial strategies that feel liberating, putting you in control of your financial future.

We Are Proactive

At SKR Fincon Ltd, conventional, "plain vanilla" funding options have no place. We specialize in innovative and bespoke financial solutions that break the mold of traditional approaches. Our proactive methodology ensures that every strategy is forward-thinking, dynamic, and aligned with the unique challenges of your business.

We Are Committed

Your financial goals and objectives are our top priority. We go above and beyond to give you our full and undivided attention, ensuring that every step we take together is meaningful and effective. By employing proven methods and innovative techniques, we craft personalized strategies to help you meet and exceed your financial aspirations.

The Final Step is Yours

If, and only if, you are ready to take a stand for your financial future, we are here to guide you every step of the way. It starts with a decision—your decision—to embrace change and unlock the full potential of your financial possibilities.

Let’s create a future that aligns with your goals, challenges conventions, and delivers results. With SKR Fincon Ltd, the possibilities are endless.
 At SKR Fincon Ltd, our structured loan products stand out because they are designed to address the unique financial challenges faced by each client. Unlike traditional “vanilla” financial products, our solutions are tailored, dynamic, and crafted with a deep understanding of individual requirements and business scenarios.

Custom Solutions for Unique Needs

Each funding requirement is aligned with the specific goals and circumstances of the client. Whether it’s an immediate financial need or a complex funding challenge, our unconventional approach ensures that every case is analyzed individually to deliver a solution that works best for you.

Alternative Funding Tailored to You

Unlike standardized loan products, alternative funding options require a fresh perspective and case-specific evaluation. We believe in thinking outside the box, assessing every situation on its own merits, and finding innovative solutions to meet even the most challenging requirements.

Unsecured Loans (Pan India) – A Unique Offering

Our unsecured loan products are particularly distinct, catering to businesses in difficult or troubled financial situations. Whether you are facing:
  • Bad CIBIL Scores
  • Defaults with Banks
  • Bridge Loan Requirements
  • Urgent Funds for Statutory Payments
You can approach us with confidence. We specialize in navigating challenging situations, offering customized solutions where conventional lenders hesitate.

No Standard Formulas

We don’t believe in one-size-fits-all solutions. Every case is a challenge, and we welcome these challenges with a commitment to finding workable, effective funding options. Our approach involves a detailed analysis of the client’s unique circumstances, ensuring a comprehensive and innovative financial strategy.

Interactive Features for Better Understanding

For more information and personalized assessment:
  • Visit our Funding / Finance page.
  • Explore our FAQ on Unsecured Loans to gain insights into our offerings.
  • Use our Interactive Loan Assessment Tool for a detailed evaluation of your specific funding needs.

What Sets Us Apart?

  • Tailored Financial Solutions: No two cases are the same; every assignment is treated uniquely.
  • Expert Analysis: Our team evaluates each case with a fresh perspective to deliver unconventional yet effective funding options.
  • Commitment to Problem-Solving: Regardless of the financial difficulties, we take on the challenge to provide the best possible solutions.
At SKR Fincon Ltd, every assignment is an opportunity to innovate, solve problems, and help businesses succeed. 

Contact us today to explore how our structured loan products can make a difference for you.
GENERAL

  1. Certificate of Incorporation of the Company & PAN card (partnership firm registration & deed / registration of sole proprietorship)
  2. Memorandum & Articles of Association / relevant info for firms 
  3. List of present directors on the board of the company / partners / proprietor
  4. Shareholding pattern in case of company
  5. Licenses and registrations (GST & others)
  6. Audited financials – last 2 years
  7. Passport copy of the main signatory / director.
  8. Business profile of the Company & website details
  9. Credit report / rating report latest / D&B
  10. Details of present borrowing (FB &NFB) Bank names / Consortium details
ADDITIONAL DETAILS FOR SUPPLY CHAIN FUNDING 
(UNSECURED INVOICE FINANCE - INVOICENXT)

12. Current debtors & creditors profile age wise
13. Spend report* (suppliers of raw material & consumables) Suppliers' comprehensive with date of invoice & date of payment columns – of last 2 financial years
14. Contracted payment terms of suppliers & mode of transaction – cash purchases, deferred payments, LC etc.- the existing payment methods used by the prospect
15. Sample contracts if any with suppliers
16. ERP details – SAP/ Tally / Dynamics Microsoft / Odoo / Oracle / Deltek /or any other
17. If on SAP, please provide SAP Release, SAP Product Version.
SOME MORE INFORMATION - INVOICE FINANCE - INVOICENXT
18. Payment method - This will help us to better understand the existing payment methods used by the prospect.
19. Payment terms - This will help us to understand the actual terms of payment (in SAP, the individual terms have acronyms, which are not necessarily telling the number of days until payment will be done)
20. Supplier master - This information will help us to a) understand the complexity of the supply chain (number of suppliers, local/overseas, maybe industries involved), but also whether suppliers are already on InvoiceNxt and whether relevant data is
maintained in the first place (e.g. for the onboarding process we need your suppliers to have a primary mail-contact and a valid tax-ID)
21. Spend report – details *
This report gives us a comprehensive overview of the spending for 12 months across all suppliers. The report details information such as supplier ID, invoice date, baseline date, invoice amount, payment date, etc.) This report is key to create an educated estimate about the early payment potential Invoice creation and posting.
22. How are invoices submitted? How do you determine the baseline-date when entering invoices in SAP?
23. What is the time spent between invoices received and invoice posted (days)? Data sheet mentioning invoice generation date and payment date.
24. What is the time spent between invoices posted and invoice paid (days)?
25. Do you have any AP-automation solution in place? If yes, which one?
26. Payments - What is your standard payment terms (days)?
27. How many payment runs does your organization do per month?
28. Do you have a payment approval process?
29. What are your payment methods?
30. Is your SAP-system directly connected to your bank(s)?





General Information

Question: What is an unsecured loan?
Answer: An unsecured loan is a loan that is not backed by any collateral. Unsecured loans are typically more expensive than secured loans, but they can be a good option for borrowers who do not have any collateral to offer.
Question: Name the Circumstances addressed? Sample cases.
Answer:
  • Need cash in a flash.
  • Financial hurdle
  • No negative sectors as long as borrower is strong enough to repay.
  • Last mile funding
  • Negative CIBIL history but current position in the last 12 months is good.
  • NCLT cases - funds needed for acquisition through bidding
  • Bridge loans against bank sanction letter.
  • Statutory payments immediate need.
  • Urgent trade fund requirement.
  • Work orders
  • Stop gap arrangement
 1. Q: What is the loan amount range offer for unsecured loans?
A: Unsecured loans ranging from Rs. 5 crores to Rs. 50 crores.
2. Q:  Are unsecured loan offers available throughout India?
A: Yes,  Unsecured loans can be availed pan India.
3. Q: What is the maximum loan amount I can apply for ?
A: You can apply for a maximum loan amount up to Rs. 100 crores.
4. Q: What is the minimum loan amount I can apply for ?
A: The minimum loan amount you can apply for is Rs. 5 crores.
5. Q: Are these unsecured loans offered for both personal and business purposes?
A: In order of preference, the unsecured loans offers are for business purposes.
6. Q: What is the eligibility criteria in applying for an unsecured loan ?  
A: No specific criteria. Based on needs. Eligibility criteria may vary, but typically, it includes factors such as your creditworthiness, business stability, and financial records. It's best to contact our representatives for specific details or reach out to us on our specialized interactive platform on this website for immediate response.
7. Q: What is the interest rate for unsecured loans? 
A: The interest rate for our unsecured loans can vary based on your credit profile and other factors. Please get in touch with our team for a personalized quote.
8. Q: How long does it take to process an unsecured loan ?
A: The processing time may vary, but we strive to process applications efficiently. Normally within 72 hours. It's best to contact us for estimated processing times.
9. Q: What documents are required to apply for an unsecured loan ?
A: The specific document requirements may vary, but generally, you will need to provide business financial statements, KYC documents, and other relevant financial records. Please refer to the General KYD requirements in this section on the top.  
Our team will guide you through the document submission process.
10. Q: How can I apply for an unsecured loan with Skr Fincon Ltd? 
A: You can start the loan application process by visiting our website or contacting our customer support team. They will guide you through the application steps.
11. Q: What is the repayment tenure for unsecured loans.
A: The repayment tenure for our unsecured loans is maximum 6 months (180 days)
12. Q: Is there a prepayment penalty for unsecured loans ? 
A: The terms regarding prepayment penalties, if any, will be outlined in your loan agreement. It's essential to review the terms and conditions before finalizing the loan.
13. Q: Can I apply for an unsecured loan with bad credit? 
A: Yes. Lender evaluates loan applications based on various factors. But negative factors if any can be assessed.
14. Q: What security or collateral is required for an unsecured loan ?
A: Unsecured loans do not require collateral; evaluation and appraisal by the lender will determine the finality.
15. Q: How can I contact Skr Fincon Ltd for more information or to apply for an unsecured loan? 
A: You can contact us through our website, customer support hotline, or get on an interactive session online for quick processing. You can also use your chatbot to answer more specific questions about Skr Fincon Ltd's 6-month unsecured loan product offering. For more information and to initiate the loan application process please email details to ops@skrfincon.com.

Please note that specific terms and conditions, eligibility criteria, and interest rates may change over time.

Loan are sanctioned and approved at the sole discretion of the lender.

Reach out to us directly for the most up-to-date information and to discuss your unique financial needs.

We do not entertain phone calls, WhatsApp calls for Unsecured Loan information/ discussion.

Declaration of Non-NBFC Status
We, Skr Fincon Ltd, hereby declare and affirm that we are not a Non-Banking Financial Company (NBFC) as defined by the Reserve Bank of India (RBI) or any other applicable regulatory authority. We wish to clarify that our primary business operation is solely that of an intermediary or loan arranger. We do not engage in the acceptance of public deposits or the provision of loans or advances on our own account. Instead, we act as facilitators connecting borrowers with affiliated investors and lenders who are willing to provide financial assistance. Our role is limited to arranging and facilitating loan transactions between borrowers and our network of affiliated investors and lenders. We do not engage in the business of lending, borrowing, or financial intermediation directly. We do not use our own funds or resources to provide loans to any party. Furthermore, we are fully committed to complying with all relevant laws, regulations, and guidelines governing the financial sector in India. We maintain complete transparency in our operations and strive to ensure that all our activities are conducted in accordance with the legal and regulatory framework applicable to loan arrangement services. This declaration is made to affirm our status as loan arrangers and to provide clarity regarding our business operations. We shall undertake all necessary steps to ensure ongoing compliance with the prevailing regulatory requirements, including any updates or amendments that may arise. Should there be any questions or inquiries regarding our status as a loan arranger or any other matters related to our business operations, we welcome inquiries and are available to provide further clarification as needed.

Building a meaningful and effective partnership with SKR Fincon Ltd begins with what we call “The Get-to-Know Moment.” This introductory phase allows us to understand your business vision, financial needs, and objectives while offering you clarity about our processes and solutions.

Steps to Begin the Process

  1. Explore Our FAQ Section:
    • Access comprehensive details, requirements, and checklists to prepare for your funding journey.
  2. Engage with Our Interactive Platform:
    • Fuel immediate engagement through our platform, designed to streamline communication and initiate the process seamlessly.
  3. Write to Us:
    • Share your requirements at ops@skrfincon.com for a direct line of communication.
  4. Fill Out the Contact Form:
    • Simplify the process with our easy-to-use contact form, ensuring we have all the basic details to get started.
What Happens Next?

Once we receive the requisite details, we will begin exploring your business’s unique financial landscape. This involves:
  • Understanding your business vision and funding requirements.
  • Evaluating the pros and cons of various financial structures tailored to your needs.
  • Analyzing your financial strengths and weaknesses to identify secured and unsecured funding possibilities.
  • Assessing your current financial commitments and your approach to risk management.
If we determine that there is a strong alignment between your needs and our solutions, our client service team will take the next steps to organize and facilitate the process.

Document Collection and Strategy Crafting

  1. Data Gathering: Our client service team will work closely with you to collect, track, and organize the necessary financial statements and supporting documents.
  2. Customized Planning: Based on the collected information, we will craft a tailored financial plan that aligns your entire financial picture with your business goals.
Formalizing the Relationship

Before moving forward, we will establish a Non-Circumvention, Non-Disclosure (NCND) agreement to ensure transparency and mutual understanding. Once the NCND is signed, our team will begin the due diligence process and detailed information collection.

Why Choose SKR Fincon Ltd?

  • Client-Centric Approach: We take the time to understand your unique needs and vision.
  • Comprehensive Evaluation: Our in-depth analysis ensures the most suitable funding solutions.
  • Transparent Process: We prioritize clear communication and formal agreements to establish trust.
  • Tailored Solutions: Every step of the process is customized to align with your financial goals and requirements.
Ready to Begin?

Contact us today and take the first step toward a meaningful partnership with SKR Fincon Ltd. Let’s work together to align your financial goals with innovative, bespoke solutions that drive success.

Careers

"Join the Team. Write the Next Chapter with Us."  

Careers image
Careers at SKR Fincon Ltd.

Celebrating Tomorrow’s Thought-Leaders, Today

At SKR Fincon Ltd., we are committed to building a team of exceptional individuals who are passionate about redefining the financial landscape. We seek professionals with strong academic foundations, a drive for continuous growth, and the ambition to excel in a dynamic, global environment.
 
Why Join Us?
Global Impact: Be a part of transformative financing projects that span across industries and geographies.
Career Growth: Continuously develop your financial skills and knowledge in a collaborative and forward-thinking environment.
Meaningful Opportunities: Contribute to innovative financial solutions that shape the future of businesses worldwide.

Stay Updated
Keep an eye on this page for the latest career opportunities and hiring updates.

Your journey to becoming a thought-leader in global finance begins here.

Administrative office

312 A, Level 3, Rewa Chambers, New Marine Lines, Mumbai 400020 - Bharat (India)

registered office

"Skr Fincon Ltd. - Corporate Headquarters - Registered Office Address"

  • Ashirwad Tower, Level IX, Andheri West, Mumbai, Maharashtra, Bharat (India)
  • Achutrao Patwardhan Marg, Next to Kokilaben Ambani Hospital, 400053

SKR FINCON LTD CIN : U65923MH2016PLC273078 GSTIN : 27AAWCS8478H1ZA