तेज़ अप्रूवल • लचीली EMI • पैन-इंडिया सेवा
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Tailored Solutions, Transparent Process
We tailor the right product mix for your use-case: capex, WC, expansion or tender support.
Streamlined screening, lender matchmaking and documentation to speed up sanction & disbursal.
Clear checklists, timelines and eligibility—no surprises.
Calculate your monthly EMI and plan your finances
₹1000000
15%
36 months
Partnered with leading financial institutions across India
Comprehensive guide to help you choose the right loan product
| Product | How it is useful | When to choose | Eligibility snapshot | Key terms | Security required |
|---|---|---|---|---|---|
| Business Loan | Flexible funds for working capital, marketing, inventory, salaries. | For day-to-day business needs without specific asset purchase. | 1+ year operations, stable bank statements, GST active, basic financials. | ₹5L–₹5Cr · 12–60 months | Unsecured or light security depending on profile. |
| Unsecured Loan | Collateral-free quick funding. | Short-term needs, marketing push, inventory top-up. | Good bureau score, strong cash flows, clean banking. | ₹5L–₹2Cr · 12–48 months | None |
| Secured Loan | Lower cost funds against property/asset security. | For larger ticket/longer tenure needs. | Property documents, clean title, adequate coverage. | ₹25L–₹25Cr · 36–180 months | Property / other acceptable collateral |
| Corporate Loans | Structured financing for large enterprises. | Capex, expansion, acquisitions, large working capital. | Audited financials, board approvals, security/comforts. | ₹5Cr–₹100+Cr · 12–120 months | Structured: collateral / guarantees as required |
| Project Finance | Funds for new/expansion projects including infra & manufacturing. | Greenfield/brownfield projects with DPR and clear cash flows. | DPR, approvals, promoter contribution, collateral. | ₹2Cr–₹100+Cr · Project-linked | Project assets / additional security |
| Working Capital Consortium Loans | Large WC limits shared by multiple banks. | Turnover heavy businesses needing multi-bank facilities. | Consortium structure, stock & debtor statements, CMA. | ₹5Cr–₹100+Cr · Revolving | Primary/Collateral security & guarantees |
| Cash Credit (CC) | Revolving limit against stock & receivables. | Ongoing WC for trading/manufacturing. | CMA data, stock statements, GST/ITR. | ₹25L–₹25Cr · Revolving | Hypothecation + collateral (as required) |
| Overdraft (OD) | Flexible draw & repay facility for WC needs. | Short cash flow gaps, seasonality. | Banking vintage & income proof. | ₹10L–₹10Cr · Revolving | Usually secured; unsecured variants exist |
| Working Capital Term Loan (WCTL) | Term loan to shore up WC temporarily. | When WC cycle is stretched or restructuring WC. | Existing facilities, projections, viability. | ₹25L–₹10Cr · 12–60 months | As per bank policy |
| Bank Guarantee (BG) | Supports tenders, performance, advance payments. | Govt/PSU/Private contracts requiring BG/EMD. | Sanction limits, margin money, documentation. | ₹10L–₹50Cr · As per contract | Margin + collateral/CGs |
| EMD Loans | Funding for Earnest Money Deposit to bid tenders. | When bidding but short of EMD funds. | Track record, tender docs, KYC. | ₹5L–₹5Cr · Up to 6 months | Usually secured / backed by comfort |
| Machinery / Equipment Loan | Purchase/upgrade plant & machinery, vehicles, equipment. | Capex acquisition with predictable payback. | Vendor quote, pro-forma invoice, financials. | ₹10L–₹20Cr · 12–84 months | Asset-backed (hypothecation) |
| Term Loan | Fixed tenure loan for expansion/capex. | Project expansion, modernization, asset purchase. | Financials, project viability, securities. | ₹25L–₹50Cr · 24–120 months | Collateral as per policy |
| Work Order / Purchase Order Loan | Funds to execute confirmed orders. | When you have PO/WO but need execution funds. | Valid PO/WO, margin, execution capacity. | ₹10L–₹10Cr · Up to 12 months | Assignment of receivables / collateral |
| Purchase Finance | Finance raw materials / supplier payments. | When suppliers offer discounts for early payment. | Supplier tie-ups, invoices, track record. | ₹10L–₹5Cr · Up to 180 days | Bills assignment / collateral |
| Invoice / Bill Discounting | Convert approved invoices into cash. | Slow-paying buyers; improve cash flow. | Buyer rating, invoice acceptance, E-way bill. | ₹10L–₹10Cr · 30–120 days | Assignment of receivables |
| Vendor Finance | Enable suppliers to get early payments via financing. | OEMs / Large anchors supporting their vendors. | Anchor program onboarding. | Program-based | Assignment of receivables |
| Loan Against Property (LAP) | Raise funds against residential/commercial property. | For large tickets at lower rates. | Clear title, valuation, ownership proof. | ₹25L–₹25Cr · 36–180 months | Property collateral |
| Business Line of Credit | On-demand drawdown up to a limit; pay interest only on use. | Seasonal or unpredictable cash flow needs. | Stable banking, GST, bureau score. | ₹10L–₹5Cr · Revolving | Secured/Unsecured based on profile |
| Export Finance (Pre / Post) | Pre-shipment packing credit & post-shipment bill discounting. | Export orders with longer payment cycles. | IEC, shipping docs, buyer details. | ₹25L–₹50Cr · Order-linked | Export receivables / collateral |
| Supply Chain Finance | Buyer-approved early payments for vendors / distributors. | Anchor-driven programs to stabilise cash cycles. | Anchor agreement, onboarding. | Program-based | Assignment of receivables |
Get answers to common questions about our loan services