Business Loans & Working Capital
Structured lender mapping, strong dossiers, and cash‑flow aligned proposals for WC/Term/LC‑BG with CGTMSE options where applicable.
Overview
Unlock fit‑for‑purpose finance with structured lender mapping, credit dossier preparation, cash‑flow aligned sizing, and documentation that reduces back‑and‑forth during underwriting and sanction.
Working capital: CC/OD, bill/invoice discounting
Term loans for capex, expansion, equipment
LC/BG for trade and contracts
CGTMSE-backed collateral‑free proposals
Projection‑based sizing and CMA preparation
Sanction, documentation & disbursement checklist
Eligibility Criteria
- Registered business with stable banking and compliant filings
- Viable use‑of‑funds with receivables/inventory cycles mapped
- Entity and promoter KYC, bureau profile, and basic collateral details (if any)
- MSME status for CGTMSE where applicable
Required Documents
- KYC: Aadhaar, PAN, entity constitution and address proofs
- Bank statements: 6–12 months; GST returns; ITR for last 2 years
- Financials: audited balance sheet and P&L; provisional if recent
- Business proofs: Udyam/MSME cert, shops & establishment/GST, licences as applicable
- For secured proposals: property papers/machinery proforma as applicable
Simple Process
Easy steps to get started
Assess & Map
Understand need, size, and tenure; map to WC/Term/LC‑BG and shortlist lenders with matching policies.
Dossier & Projections
Compile KYC, banking, GST/ITR, financials; prepare CMA and cash‑flow based sizing with cover note.
Lender Submission
Submit digital file, respond to queries, and align valuation/legal as applicable for faster sanction.
Sanction to Disbursement
Close conditions precedent, execute loan/security documents, and complete disbursement formalities.
What You Get
Frequently Asked Questions
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