Capital that keeps your business moving.
Working capital, machinery, a new branch or a loan against property: we structure the loan around your cash flow, not a lender's rate card.
Built around what you need.
Working capital
Term loans, overdraft or cash credit to smooth out receivables and inventory.
Machinery & equipment
Finance new or used machinery, with the asset often serving as security.
Business expansion
New premises, branch or capacity, structured around projected cash flow.
Loan against property
Lower rates and longer tenure by pledging residential or commercial property.
MSME & government schemes
Udyam-registered businesses may access collateral-free credit under CGTMSE.
Professional loans
For doctors, CAs and architects setting up or growing a practice.
Who qualifies.
Typical lender criteria. Every bank sets its own rules, and we know which ones fit your profile.
- Business vintage
- Usually 2–3 years of continuous operation
- Turnover & profit
- Filed ITRs showing stable or growing turnover, and a profit in recent years
- CIBIL
- Personal score 700+; a clean company credit report (CMR) helps
- Banking
- Healthy bank balances and few cheque bounces in the last 12 months
- Registration
- GST, Udyam or Shop Act registration as applicable
What to keep ready.
A starting list. We'll confirm the exact set for your lender before you collect anything.
- PAN card
- Aadhaar card
- Passport-size photographs
- Address proof (utility bill, rent agreement or passport)
- Business PAN and partnership deed / MOA–AOA if applicable
- ITR with computation for the last 2–3 years
- Audited P&L and balance sheet (2–3 years)
- Business proof (GST / Udyam / Shop Act licence)
- Last 12 months' bank statements
- GST returns for the last 12 months
- Statements of existing loans, if any
- For LAP: property title documents
What we do that a bank won't.
Secured vs unsecured
We tell you when a loan against property makes sense and when an unsecured loan is enough.
File prepared right
Banks reject business files for presentation issues as much as numbers. We prepare yours to the lender's checklist.
Multiple structures
Term loan, overdraft or both: we match the facility to how your money actually moves.
Business Loan questions.
Can I get a business loan without collateral?
What is a loan against property (LAP)?
My ITR shows low income. Can I still get a loan?
How long does a business loan take?
Talk to Nandini about your business loan.
21 years, 70+ lenders, one conversation. Free, and no obligation.