Loans
Business Loans (Working Capital & Term Loans)
Money to run daily operations or buy assets and expand.
Working capital is money for daily needs — stock, salary and bills.
A term loan is for buying machines, vehicles or expanding your unit; you repay it in monthly EMIs.
We study your numbers and tell you which one you actually need, and how much the bank will accept.
Who is it for
Traders, shops, manufacturers and service businesses with running income.
How we help
- Decide working capital or term loan
- Prepare DPR and CMA data
- Arrange the bank file completely
- Follow up till disbursement
Options available
- 01
Working Capital (Cash Credit / Overdraft)
A running limit against your stock and receivables. Pay interest only on what you use.
- 02
Business Term Loan
3–7 year EMIs for expansion or machinery purchase.
- 03
CGTMSE Collateral-Free Loan
Up to ₹5 Crore without property security, backed by a government guarantee. A small yearly guarantee fee applies.
- 04
Machinery & Equipment Finance
Loan to buy machines; the machine itself is hypothecated to the bank.
- 05
Bill / Invoice Discounting
Get 80–90% of your unpaid invoice value in advance instead of waiting for payment.
- 06
Stand-Up India
₹10 Lakh to ₹1 Crore for SC/ST or women first-time entrepreneurs starting a new (greenfield) unit.
We prepare your project report and guide the bank process. Approval is decided by the bank.
Not sure where to start? Just ask us.
Tell us what you need. We will explain it in simple words.