Institutional Credit Facility
Business Loan
Accelerating MSME enterprises with structured debt & working capital.
Unsecured and collateral-backed credit lines, machinery financing, invoice discounting, and structured working capital for enterprises in manufacturing, wholesale, IT, and trade.
Check Eligibility4-hour callback · No CIBIL impact
Starting Rate
12.50%p.a.
Facility Ceiling
Up to ₹5 Crore
Tenure Horizon
1–7 Years
Processing Fee
1.0% to 2.0% of facility
Advisory Transparency
Facility Suitability at a Glance
We decline mandates where other credit structures serve the client better.
Recommended For
- •Established manufacturers, service providers, and traders with 2+ years vintage
- •Businesses experiencing seasonal surges requiring working capital liquidity
- •Enterprises needing funds for plant & machinery upgrades or bulk vendor procurement
- •Firms with GST turnover above ₹40 Lakhs seeking non-dilutive capital
Not Recommended For
- •Pre-revenue startups without operational track record or banking history
- •Entities with frequent cheque bounces or active litigation on financial obligations
- •Promoters seeking equity investment (this is debt financing)
Live Credit Desk Benchmarks
Updated September 2026 · Wholesale BandingInstitutional Partner Comparison
| Lending Institution | Indicative Interest Rate | Max Tenure | Processing Fee | Action |
|---|---|---|---|---|
| Bajaj Finserv | 12.50% – 16.00% | 6 Years | 1.25% | Apply→ |
| Tata Capital | 12.75% – 15.50% | 5 Years | 1.00% | Apply→ |
| Kotak Commercial Bank | 11.50% – 14.50% | 7 Years | 1.00% | Apply→ |
| ICICI Commercial Banking | 11.75% – 15.00% | 7 Years | 1.25% | Apply→ |
| Axis Commercial | 12.00% – 15.50% | 5 Years | 1.50% | Apply→ |
Underwriting Matrix
Institutional Eligibility Criteria
| Criterion | Salaried Individual | Self-Employed / MSME | Certified Professional |
|---|---|---|---|
| Operational Vintage | N/A | 2+ years continuous operations | 2+ years registered practice |
| Annual Turnover | N/A | Min ₹40 Lakhs annual GST turnover | Min ₹25 Lakhs gross receipts |
| Promoter CIBIL | N/A | CIBIL 700+ for main promoters | CIBIL 720+ |
| Profitability Norm | N/A | Positive cash accruals for last 2 years | Demonstrated profitability |
Dossier Readiness
Required Documentation Checklist
Organized documentation accelerates credit approval to under 24 hours.
Not applicable for corporate business facilities
Financial Modeling
Interactive Business Loan EMI Calculator
Facility Amount₹25,00,000
Interest Rate (p.a.)13.00%
Tenure5 Years
Monthly Outflow (EMI)
₹56,883/ month
Total Interest₹9.13L
Total Repayment₹34.13L
Advisory Desk
Frequently Asked Questions
We facilitate unsecured business loans up to ₹75 Lakhs to ₹1 Crore without property collateral based on GST turnover and cash flows. Facilities above ₹1 Cr can be structured as secured LAP or machinery mortgages.
Ready to structure your Business Loan?
One intake form. An advisor reviews your file across 25+ institutional desks within 4 working hours.