Unlock Institutional Credit

Disclaimer: Sariya Bazar is a marketplace facilitator and does not act as a direct lender. All credit and financing are powered by RBI-regulated banking partners and NBFCs.

B2B Construction Credit & Financing Overview

Working capital constraint is the single biggest bottleneck facing civil contractors and regional steel stockists across India. Steel rebar procurement requires 100% cash-and-carry or short-term 7-day payment terms from primary and secondary mills, while project developers often disburse funds on 60-day to 90-day milestone billing cycles. Sariya Bazar bridges this credit mismatch by partnering with RBI-regulated NBFCs and commercial banks to offer tailored supply chain financing.

1. Working Capital Lines for Contractors

Revolving credit lines ranging from ₹10 Lakhs to ₹5 Crores customized for active construction companies. Interest is calculated strictly on daily utilization, giving contractors the flexibility to draw down funds during peak foundation pours and repay upon receiving client milestone disbursements.

2. Inland Letter of Credit (LC) Facilitation

For bulk procurement orders exceeding 100 metric tons, opening an Inland Letter of Credit (LC) provides 90-day to 180-day deferred payment terms while guaranteeing immediate payment to the rolling mill upon dispatch. Sariya Bazar streamlines LC documentation matching MTC certificates and e-way bills.

3. Invoice Discounting & GST Credit Pre-Qualification

Contractors with verified GST filing history (GSTR-3B and GSTR-1) can pre-qualify for collateral-free invoice discounting within 48 hours. By analyzing verified platform purchase orders and GST returns, our banking partners evaluate business cash flow rather than demanding heavy immovable property collateral.