Business Loan

SME loans are generally available for:
✔ Manufacturing units
✔ Traders and wholesalers
✔ Retail businesses
✔ Service providers
✔ Professionals and consultants
✔ Start-ups and growing enterprises

Purpose of SME Loans : SME loans can be used for:
✔ Working capital requirements
✔ Business expansion and scaling
✔ Purchase of machinery and equipment
✔ Office, shop, or factory setup
✔ Inventory and stock management
✔ Technology upgrades
✔ Debt consolidation

Loan Amount
🔹 Loan amount depends on:
– Business turnover and profitability
– Vintage of the business
– Cash flow and banking history
🔹 Credit profile of the promoters
🔹 Both small-ticket and large-ticket business funding options are available based on eligibility.
🔹 Interest & Repayment Structure
🔹 Competitive interest rates based on business profile
🔹 Flexible repayment tenure ranging from short-term to long-term
🔹 EMI or structured repayment options available
🔹 Overdraft / cash credit options may also be considered

Security / Collateral Options
✔ Collateral-free loans available for eligible businesses
✔ Secured loans against:
– Residential or commercial property
– Machinery or equipment
– Other acceptable securities
✔ Personal guarantee of promoters may be required

Eligibility Criteria : Typical eligibility includes
✔ Business operational for a minimum period
✔ Stable turnover and banking transactions
✔ Acceptable credit history of business and promoters
✔ Proper business registration and compliance

Documents Required : Commonly required documents include:
✔ Business KYC documents
✔ Promoter KYC documents
✔ Financial statements (P&L, Balance Sheet)
✔ Income tax returns
✔ Bank statements
✔ Business registration proofs
✔ Collateral documents (if applicable)

Key Benefits of SME Loans
✔ Improves working capital efficiency
✔ Supports business growth and expansion
✔ Helps manage seasonal cash flow gaps
✔ Structured repayment aligned with business income
✔ Builds business credit profile

Our Support Services : We assist businesses with
✔ Funding assessment and eligibility analysis
✔ Selection of suitable loan structure
✔ Documentation and compliance support
✔ Application coordination
✔ End-to-end support till disbursal

Our objective is to ensure timely, structured, and hassle-free funding for businesses.