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About Holoflex
Holoflex Limited is a pioneer in the holographic security and labeling industry. A globally recognized, ISO-certified manufacturer, Holoflex combines innovation and integrity. But as operations scaled, they needed smarter ways to control finance costs and optimize credit capacity.
The Challenge
Holoflex had been banking with the same institution for over 30 years — a relationship built on trust, reliability, and consistency. Yet, despite their solid track record, they found themselves burdened with high interest costs, limited credit lines, and underleveraged assets. Their working capital borrowings were proving too expensive, their scalability was being throttled by conservative banking limits, and a large portion of their collateral remained untapped. It wasn’t a crisis, but it was a clear case of missed opportunity — and one that was quietly costing them.
Our Strategic Approach
That’s where Bankkeeping came in. We didn’t just review the numbers; we assessed the business holistically — the financials, the market position, the growth aspirations — everything. Our first move was to collaborate with Holoflex’s leadership and reimagine their banking strategy. Together, we developed a roadmap that was not only ambitious but also defensible — backed by detailed financial analysis and clear evidence of underutilized potential.
We then turned this into action. By reassessing their collateral and preparing a strong case supported by data, we engaged with their bankers to reframe the conversation. The outcome was clear: interest rates came down, credit lines went up, and the bank didn’t ask for a single rupee in additional collateral. It was strategic negotiation, backed by insight — and it worked.
Results Delivered
The shift was substantial. Holoflex reduced its annual finance costs by ₹26 lakhs — a direct boost to the bottom line. Their available bank limits were enhanced by ₹15 crores, giving them the breathing room and flexibility they needed for future growth. And perhaps most importantly, collateral efficiency improved from 55% to 85% — transforming idle assets into strategic leverage.
How Bankkeeping optimizes your banking cost
Despite having a long-standing 30-year relationship with their bank, Holoflex realized that loyalty wasn’t translating into optimal terms. They needed data-backed negotiation power, and that’s where Bankkeeping stepped in — to audit, advise, and execute with precision. Bankkeeping helps SMEs lower borrowing costs, optimize loan structures, and secure better credit terms by leveraging strategic financial data and powerful negotiation support.
