EVALUATION PROCESS
Sigma Offers both direct and sale & lease back facility to their customers. In case of direct lease Sigma purchases assets on behalf of lessee and payment in this case is directly made to the supplier. Incase of Sale & Lease back the customer may sell their recently purchased asset to Sigma and the payment in this case is made to the customer.
  
Tenure of lease is normally three to five years under monthly or quarterly rentals, which are due in advance/arrears. 

CREDIT EVALUATION AND APPROVAL PROCESS AT SIGMA
Once the proposed lessee fulfills the eligibility criteria, it has to provide the following documents for evaluation: application form, Three years audited financial statements, company's profile, Memorandum and Articles of Association, Directors/Sponsors background/net worth, details of the assets proposed for lease, its contribution, if any, in generation of additional profit/cash flow.
The lessee should also provide other information that would give support to the evaluation process.

The complete approval/disapproval process normally takes 3-4 working days after receiving all the required information/documents from the proposed client. However, this period may vary from case to case.

DISBURSEMENT
Once the proposal meets the approval, the lessee is provided a set of documents to be signed. After the documents are signed by the lessee, checked by the company and, found correct the amount of lease is disbursed to the client in the case of sale and lease back and to the vendor/supplier in the case of direct lease.