Working Capital · Expansion · Equipment

Capital for the business you're already building.

From bridging a working-capital gap to funding a new production line, borrow ₹1,00,000 to ₹5,00,00,000 — sanctioned against your business's cash flow, not just collateral.

Loan Terms

The entry, plainly written.

Loan amount₹1,00,000 – ₹5,00,00,000
Interest rate14% – 28% p.a.
Tenure12 – 84 months
Processing fee1% – 3% of loan amount
CollateralNot mandatory for most unsecured lines
Disbursal time3 – 7 working days
Eligibility

Who typically qualifies.

  • Proprietorship, partnership, LLP or private limited company
  • Business vintage of at least 2 years
  • Minimum annual turnover of ₹10 lakh (varies by lender)
  • Business owner aged 24–65 years
  • GST registration and filed ITR for the last 2 years
Loan Types

Structured around how your business actually spends.

Working Capital Loan

Bridge the gap between paying suppliers and collecting from customers, without disturbing your cash reserves.

Equipment & Machinery Loan

Finance new machinery, vehicles or technology upgrades with tenures aligned to the asset's useful life.

Business Expansion Loan

Open a new outlet, enter a new market, or scale production — funded against your growth plan and cash flow.

Invoice / Bill Discounting

Unlock cash tied up in unpaid invoices instead of waiting out your customers' payment cycles.

Documentation

What you'll need to attach.

Business

Registration & GST

Certificate of incorporation / registration, GST registration, and PAN of the business entity.

Financials

ITR & financial statements

Last 2 years' ITR, audited financials (if applicable), and profit & loss statement.

Banking

12-month bank statement

Current account statements used to assess turnover and repayment capacity.

Questions

Before you apply.

Not for most unsecured working capital and expansion loans — these are underwritten on turnover and cash flow. Larger ticket sizes or longer tenures may involve secured options with better rates.
Most partner lenders require 2 years of vintage, but a few fintech NBFCs on our panel consider businesses from 1 year, usually with a higher rate or lower ticket size.
Yes. Proprietorships qualify, provided you have GST registration and can show consistent business banking activity.

Let's fund the next stage of growth.

Share your business details and see which lenders are ready to offer you terms.

Check Eligibility