Loans
Business Loan
Unsecured and secured business lending for MSMEs, traders and small manufacturers, sourced to partner lenders. Assessment leans on business vintage, banking turnover and filed returns rather than a salary slip, which is what makes it reachable for businesses that a salaried product cannot serve.
What you get
- Working capital, expansion and equipment funding
- Proprietorship, partnership, LLP and private limited borrowers
- Assessment on banking turnover, GST returns and business vintage
- Unsecured options, plus secured lines against property or receivables
- Overdraft and term loan structures depending on the requirement
- Application tracked to sanction, disbursal or decline through the counter
How it works
- 1Establish the business profileConstitution, vintage, banking turnover and filed GST and income tax returns. This set, rather than a credit score alone, is what a business lender underwrites on.
- 2Match the structure to the needA recurring cash flow gap and a one time expansion are different products. An overdraft against a term loan changes both the cost and the repayment obligation.
- 3Submit with the full fileBusiness lenders return incomplete files rather than underwriting around a gap, so the file goes in complete or it does not go in.
- 4Sanction and disburseThe lender sanctions with its own terms and disburses to the business account. Counter payout follows disbursal.
FAQ
About business loan
What does a business lender look at that a personal lender does not?
Business vintage, the pattern of credits in the current account rather than just the balance, filed GST returns against declared turnover, and whether the business and the promoter obligations are separable. A promoter with a clean personal score and thin banking turnover is a common decline on business products.