Jiva is an Enterprise Software company with primary markets in US backed by operations and development based in Hyderabad. Its an 100% EOU Company. Jiva was in the process of buying its office space 2015 and there was a requirement of term debt. Since the transaction was to be completed in 10 days, we proposed to execute the loan in retail segment under Commercial property purchase product with lowest interest rate in this category. The plan was to move this to Foreign Currency Term Loan after 6 months. As per plan we successfully moved the Rupee term loan from Retail Segment to Corporate banking team with FCTL and also extending the PCFC facility for its working capital requirements. Till this working capital limits was, the company was availing such facility backed by more than 100% liquid assets, which was discontinued and Coltivare helped the client in improving their capital utilization and ROE. Since 2015, Coltivare is a one stop shop for all its financial products including Loans,Investment and Insurances.