From a kirana store needing stock for the season to a rice mill adding a new line, we arrange unsecured business loans, cash credit and overdraft limits, term loans for machinery, and government scheme loans under Mudra, PMEGP and CGTMSE. We understand how Rayalaseema businesses actually keep their books and prepare the file accordingly.
Features
- Unsecured business loans up to ₹75 lakh on banking and GST turnover
- Cash credit and overdraft against stock and receivables
- Machinery and equipment term loans, including CLCSS subsidy assistance
- Mudra (Shishu, Kishore, Tarun) and PMEGP scheme loans
- CGTMSE covered loans with no collateral up to ₹5 crore
- Invoice discounting and dealer finance
Eligibility
- Proprietorships, partnerships, LLPs and private limited companies
- Minimum 2 years of business vintage (1 year for scheme loans)
- Annual turnover of ₹10 lakh and above; GST registration where applicable
- Promoter age 23 to 65; CIBIL and commercial CIBIL considered
Documents required
- KYC of business and promoters, Udyam certificate
- GST returns for 12 months and ITR with audited or CA certified financials for 2 years
- Bank statements for 12 months of all business accounts
- Business proof: shop licence, partnership deed or incorporation documents
Frequently asked
I file returns under presumptive tax. Can I still get a loan?
Yes. Several NBFC partners lend on banking turnover and GST data rather than declared profit. Expect a slightly higher rate.
What is CGTMSE?
A government guarantee scheme that lets banks lend up to ₹5 crore to MSMEs without collateral. We check whether your business qualifies and route the file to a bank that actively uses the scheme.
How long does a business loan take?
Unsecured NBFC loans: 3 to 7 days. Bank cash credit and term loans: 3 to 6 weeks depending on valuation and appraisal.
Business Loan EMI calculator
Rates and limits preset for a typical business loan. Move the sliders to match your case.
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