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Credit Desk

Fuel Your Business Sourcing & Growth

Scaling a business requires timely access to credit. We structure customized business funding packages—ranging from collateral-free working capital and plant machinery loans to large structured project finance.

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Business Loan illustration

Offerings

Structured Credit Solutions for SME & MSMEs

Identify the ideal credit product that fits your business lifecycle requirements.

Collateral-Free MSME Funding

Short-term funding to meet working capital gaps, payroll needs, or urgent raw material procurement without collateral.

  • Loans up to ₹50 Lakhs
  • Quick processing based on GST sales history

Machinery & Equipment Loans

Finance for purchasing modern machinery, commercial vehicles, or heavy equipment, keeping the machinery itself as hypothecation.

  • Competitive interest rates
  • Flexible tenures matching asset lifetime

Working Capital & OD Limits

Set up Cash Credit (CC) or Overdraft (OD) limits with banks to manage day-to-day cash requirements smoothly.

  • Pay interest only on the utilized amount
  • Easy renewal structures based on annual audits

Eligibility Criteria

We assess credit viability based on business registration validity and financial cash flows.

  • Business Vintage: Minimum 3 years of active operations under the same business registration.
  • Turnover: Stable annual turnover showing consistent revenue trends.
  • Entity Type: Sole proprietorships, partnerships, LLPs, and private limited companies.
  • Credit History: Good business bureau records (CIBIL CMR rating) and clear bank record transactions.

Document Checklist

Ensure these documents are compiled to fast-track your loan sanction process.

  • KYC Documents: PAN cards and Aadhaar cards of all promoters/partners.
  • Business Registration: GST registration, MSME certificate, Partnership Deed, or MOA/AOA.
  • Bank Statements: 12 months' statements of all active business bank accounts.
  • Financials: Last 2 to 3 years' audited financial statements (P&L, Balance Sheet) and ITR filings with computations.

Planner

Business Loan EMI Calculator

Estimate your monthly payments, interest cost, and amortization parameters before applying.

Loan Amount ₹10 Lakhs
Interest Rate 15%
Tenure (Years) 3 Years
₹34,665
₹2,47,952
₹12,47,952

FAQs

Business Loan Frequently Asked Questions

Answers to common queries regarding business credit and MSME finance.

Unsecured business loans are approved based strictly on business banking operations, annual turnover, and promoter credit history without pledging collateral. Secured loans require pledging a physical asset (like residential or commercial real estate) and usually carry lower interest rates.
Lenders generally require a minimum business turnover of ₹15–₹20 Lakhs per annum to approve unsecured business loans, backed by structured banking statement logs.
Yes. We coordinate both structured term loans and working capital lines like Cash Credit (CC) and Overdraft (OD) facilities through our allied banking partners, backed by business stock/receivables or property collateral.