Business Loans & Working Capital

Powering Your Business Growth with the Right Funding Mix.

Finey India helps manufacturers, traders, service providers and startups structure business loans and working capital limits through partnered banks, NBFCs and relevant schemes.

Ticket Size: ₹5L – ₹5Cr* OD / CC, Term Loans, Unsecured Loans Bank & NBFC Network
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Finey acts as a financial consultant & facilitator. Sanction, rate of interest, tenure and final terms are decided solely by the respective bank/NBFC.

Loan Types We Assist With
Funding · MSME · Traders · Startups

Depending on your cashflow pattern, security and banking history, Finey helps you choose a practical structure instead of just chasing maximum limit.

Working Capital & Day-to-Day
  • Working Capital OD / CC
  • Dropline OD, cash credit
  • Invoice / bill discounting
  • Short-term OD for season / bulk orders
Term Loans & Expansion
  • Term Loan for machinery & factory expansion
  • Project loans for new units (case-to-case)
  • GST / banking-based unsecured business loans
  • Top-up / enhancement on existing limits
Ticket size, ROI and collateral requirement depend fully on the lender’s internal policy. Share Your Requirement →
Key Business Loan Products
Products · Segments

Under business loans & working capital, Finey typically supports the following product categories with partnered lenders:

MSME & Core Business
  • MSME Term Loan
  • MSME Working Capital Loan / OD / CC
  • GST / Banking-based MSME Loan
  • Trade Finance & Bill Discounting
Asset & Project Based
  • Building / Industrial Shed Loan
  • Plant & Machinery Loan
  • Solar Project Loan (rooftop / industrial)
  • Other Project / Equipment Loans (case-to-case)
Who It Is For & Basic Eligibility
Eligibility · Profile & Track Record

Each bank/NBFC has its own criteria, but in general, the following profiles are considered for business loans and working capital:

Typical Profiles
  • Manufacturers, traders and service providers
  • Registered and unregistered MSMEs*
  • Self-employed professionals and small companies
  • Existing units and selected new setups (with conditions)
Indicative Parameters
  • Vintage of business and experience
  • Turnover / banking turnover
  • Existing obligations & repayment track
  • Primary / collateral security offered (if any)
Finey provides an initial view based on discussion; final eligibility is decided after lender assessment.
Typical Documentation
Documents · KYC · Financials

Exact document list varies by lender, ticket size and product. Below is a typical checklist that Finey helps you organise.

KYC & Business Proof
  • KYC of promoters (PAN, Aadhaar, address proof)
  • Business registration – Udyam, GST, deed, ROC, etc.
  • Last 6–12 months bank statements
  • Existing loan sanction letters & EMI schedules
Financial & Collateral Papers
  • ITR & financial statements (as applicable)
  • Projections / project report for new proposals
  • Property documents for secured loans
  • Stock / debtor details where required
Finey co-ordinates the checklist and formats; lenders may ask for additional documents during appraisal.
Process & Common Questions
Process · FAQs

Our objective is to keep your loan journey structured and transparent. Below is a typical flow once you connect with Finey for business funding.

1. Initial Discussion & Profile Understanding We understand your requirement, existing obligations and basic business details. Based on this, we suggest whether to go for unsecured, secured or a mix of facilities.
2. Document Collection & File Preparation Our team shares a customised checklist and formats. We co-ordinate to ensure the file is lender-ready – including project report/CMA if required.
3. Lender Shortlisting & Application Depending on your profile, we help identify suitable banks/NBFCs and route the proposal accordingly, keeping you informed on key terms.
4. Sanction, Documentation & Disbursement Once the lender completes appraisal and issues sanction, we support in understanding terms, completing legal documentation and moving towards disbursement.
Timelines vary from case to case. No third-party cash deposits or shortcuts are used or encouraged.
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Share Your Business Loan Requirement

Fill a few basic details about your business loan or working capital need. Our team will connect with you to understand the case and suggest suitable options.

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