Retail Finance Credit Facility For Better Marketing Results

Retail finance has been around for some time, the proliferation of 0% , and Buy Now Pay Later (BNPL) and Interest Bearing schemes have helped many a company to make their products more affordable to the general public.

A Retail finance facility, essentially is what is termed a DCS facility, DCS stands for Debtor Credit Supply, what this means is that if your client comes into your shop and buys something on your credit facility, then you, the dealer, gets paid direct. This has some obvious advantages, in that, it would not be unknown for a client to take out a secured loan or personal loan and then find something else they would rather spend the money on.

Credit Facilities, come in various guises, as mentioned, Interest Bearing, which is the standard product and basically means a standard credit agreement which has a fixed rate of interest over a certain period , eg 19.9% APR over 36 months.

Alternatives are 0% finance, or interest free, this is where the client is given a rate of 0% APR, but the dealer would have to subsidise this, so in the end someone is paying the interest. Another option is Buy Now Pay Later, or deferred payment, this is where an agreement is taken out on day 1, however payments are deferred, for a number of months. This also carries a subsidy, which is payable by the dealer. With some BNPL packages, if the client pays the outstanding balance, in full, then they may not pay any interest, however, if the client does not pay the full amount, typically at the end of such an agreement there is a 29.9%APR that the client goes into at the end of the BNPL period.

Of all the available retail Credit facilities, your ability to obtain one is dependant upon your business, some lenders require 2 years accounts, some don't, some will require a turnover of x amount.

A retail credit facility can and will boost your turnover and profitability, should it be used correctly, some large retail companies depend on retail finance for a sizeable amount of there turnover. If anything it widens your net of available customers, because your product can be made more affordable.

Retail Investment For Btter Trading Skills

IRetail Investndia faces a huge gap between demand and supply of high quality talent in the financial market. With Indian GPD growing at 8-9% and financial markets on a boom, BLB group see this as a golden opportunity to impart real-time training to educate the 1.1 billion population, involve their greater participation in and enhance their profitability from the financial markets.

Sensex has become a barometer of country’s performance and there is no escape from the Capital Markets. Sensex and Nifty indices reflects company performance immediately through their stock prices. Market efficiency has been improving and now is the time for people to learn safe investment techniques so that even the common man can take advantage of highly lucrative returns that the Indian markets have to offer today. But, this calls for sound theoretical and practical knowledge. A country, where only 5% of savings go into the Capital Markets for investment definitely needs much greater participation from the investor and trader’s community. This percentage is insignificant compared to similar percentage for US of 60% !!

Our markets run up and down on FII calls mainly with very little domestic participation from retail investors. This happens because retail investors our not educated properly about the risk and returns of the Indian Capital Markets. These people usually end up buying and selling at the wrong time and end up losing money, while FIIs and other sophisticated investors make a killing!! Why can’t retail investor’s do the same? The answer lies in information asymmetry where retail people buy mostly on rumors and without any proper financial research or practical knowledge of how to avoid unnecessary risks in investment.

This calls for creating Institutions in the country where people can learn basic dynamics of the market essential to know if one wants to make money here. India does not have such institutes but badly needs it. Recently, BLB group, a known investment-trading-research corporate house has launched its Institute of Financial Markets called BIFM.

BIFM is empowered with market specialists and eminent faculty to teach about financial markets, giving its students cutting-edge trading skills and preparing them to be intelligent investors and traders. It has a presence in Delhi, Mumbai and Kolkata and provides real-time trading knowledge. Their “Learn-by-doing” approach emphasizes on practical training, making the courses unique in their content and approach. It involves training through sophisticated simulated and live trading software developed in-house by BLB team.

BIFM specializes in training programs for gaining expertise in the

• Stock Market Market
• Derivative Market
• Commodity Markets
• Equity Investment and Portfolio Analysis

Through such practical and job-oriented courses, one can seriously study and better understand the financial markets. Retail investors must go for such practical courses for developing sound investing and trading skills.