Agarwal, through its NBFC Ad-Manum Finance Limited, specialises in offering short term working capital and raw material procurement funding to a large number of medium and small scale industries. This acts as a critical filler to their immediate financing needs which are not promptly fulfilled by large banking and financial institutions whose understanding of the nuances of the dry bulk commodity business is limited whereas we are able to leverage our knowledge of the industry to ensure better returns and the safety of our capital.