Funding Options for Business Needs
Every business has a different funding need—whether managing day-to-day cash flow, purchasing machinery, expanding operations or leveraging property. The availability, amount, pricing and approval of any facility depend on the lender's policies, the applicant's profile and due diligence.
Product Catalog (10 Facilities)
Select your preferred facility category to explore borrowing terms.
Lowest Interest SpreadsLoan Against Property (LAP)
Unlock high liquidity against residential, commercial, or industrial real estate at minimal spreads.
- check_circleUp to 75% market value LTV
- check_circleBalance transfer with top-up facility
- check_circleFlexible repayment & debt consolidation
Operational LiquidityWorking Capital (CC / OD)
Revolving Cash Credit and Overdraft limits to optimize day-to-day payroll, inventory, and supplier cycles.
- check_circleInterest charged only on utilized amount
- check_circleSub-limits for Letter of Credit (LC) and BG Facilities
- check_circleSmooth annual renewal with top institutional banks
Collateral-FreeMSME Unsecured Business Loan
Speedy capital injection for growing SMEs without pledging physical properties or business assets.
- check_circleMinimal documentation based on banking & GST
- check_circleZero lien on enterprise assets
- check_circleCGTMSE government backed schemes available
High Net-Worth AssetsLease Rental Discounting (LRD)
Monetize future long-term rental cash flows from premier commercial, IT park, or retail tenants.
- check_circleUp to 85% discounting on net monthly rent
- check_circleDirect escrow mechanism with institutional tenants
- check_circleSubstantial interest arbitrage over standard term debt
Manufacturing & TechMachinery & Equipment Capex Loan
Fund state-of-the-art industrial machinery, CNCs, medical diagnostic equipment, or plant upgrades.
- check_circleUp to 90% LTV of proforma invoice
- check_circleAvailable for imported & domestic technology
- check_circleMoratorium period during installation & trial runs
Supply Chain FinanceInvoice Discounting & TReDS Trade
Accelerate cash flow by discounting accepted corporate receivables and invoices without debt burden.
- check_circleOff-balance sheet borrowing structure
- check_circleImmediate release of 80-90% invoice face value
- check_circleDirect settlement from enterprise buyers
Asset CreationCommercial Real Estate & Office Purchase
Secure long-term mortgage financing to acquire new corporate headquarters, retail stores, or warehouses.
- check_circleHigh LTV on ready & under-construction premises
- check_circleStep-up EMI structures for growing enterprises
- check_circleCompetitive pre-payment & foreclosure terms
Hybrid FlexibilityUnsecured Dropline Overdraft
Flexible working line with monthly reducing limit, combining term loan discipline with overdraft liquidity.
- check_circleLimit reduces systematically with every EMI
- check_circlePay interest strictly on actual daily drawdown
- check_circleNo security or secondary mortgage required
D2C & Tech EnabledRevenue-Based Growth Financing
Non-dilutive growth debt structured around gross recurring revenue and digital payment gateway receipts.
- check_circleZero equity dilution or board seats
- check_circleRepayments flex according to monthly sales velocity
- check_circleTailored for D2C brands, SaaS, and e-commerce enterprises
Agri & ProcessingAgri-business & FPO Project Finance
For eligible agriculture-linked enterprises, FPOs, processing units and infrastructure projects, subject to scheme and lender criteria.
- check_circleAgri-Infrastructure Fund (AIF) & NABARD scheme alignment
- check_circleTerm financing for cold chains, warehouses & sorting hubs
- check_circleRevolving working capital support for Farmer Producer Orgs (FPOs)
Standard Business Loan Documentation Checklist
CapitalWiser streamlines document preparation to ensure one-time clean submission to banking credit committees.
KYC & Registration
- PAN of Entity & Promoters
- Aadhaar of Directors / Partners
- COI / Partnership Deed / MOA
- Udyam MSME Registration
Financial Statements
- 3 Years Audited Balance Sheets
- Profit & Loss Statements
- Auditor's Reports & Schedules
- Tax Audit Report (Form 3CD)
Banking & GST
- 12 Months Operative Bank Statements
- 12 Months GST Returns (GSTR-3B & 1)
- Existing Loan Sanction Letters
- Current Sanction Repayment Track
Collateral (For Secured)
- Chain Title Deed (13+ Years)
- Approved Map / Sanctioned Plan
- Property Tax & Mutation Receipts
- Lease Agreement (For LRD)
Get a Free Policy-Matching Consultation with Senior Underwriters.
We evaluate your balance sheet metrics against the credit policies of multiple banks to match you with the lowest-interest option.