Raise Scalable Business Funding Without Pledging Property Collateral
Purely performance-based institutional business loan sanctioned within 5-7 working days without property collateral. Specially structured for Indian growth enterprises and mid-market corporates requiring debt funding from ₹1 Cr to ₹500 Cr.
Unsecured Business Loan
Not every growing company owns multi-crore real estate to offer as mortgage collateral. Asset-light manufacturers, traders, tech service providers, and logistics firms often experience rapid growth but hit borrowing ceilings with traditional banks.
Unsecured Business Loans evaluate creditworthiness based on operational health: Average Bank Balance (ABB), credit turnover, GST compliance, and customer collection velocity rather than tangible real estate.
SME PAISA packages cash-flow models, banking surrogates, and CGTMSE guarantee schemes (covering loans up to ₹5 Cr without collateral) across top private banks and institutional NBFCs, disbursing funds within 5 to 7 business days.
Key Strategic Benefits
Unsecured Business Loan
Structured specifically to avoid cash-flow bottlenecks and optimize borrowing costs.
How This Facility Operates
From initial diagnostic appraisal and credit memo preparation to multi-lender syndication and seamless disbursement.
Banking & GST Credit Diagnostic
We analyze your 12-month bank statements, verifying clean transaction velocity, low outward cheque returns, and positive operational bank balance (ABB).
Turnover & Margin Surrogate Modeling
We map monthly GSTR-3B filings to verify continuous sales growth, sustainable gross margins, and consistent debtor settlements.
Multi-Lender Syndication
We syndicate with institutional NBFCs and fintech lenders to maximize sanction quantum by combining multi-banking surrogate limits.
Fast-Track Sanction & Drawdown
Approval within 72 hours and disbursement directly into your operational account with flexible 12-to-36 month amortization schedules.
Eligibility & Documentation Checklist
Standard underwriting criteria across our network of 50+ scheduled commercial banks and institutional NBFCs.
Primary Eligibility Norms
BENCHMARKSEven if your financial ratios fall slightly outside conventional bank parameters, our credit advisory team structures mitigating covenants, secondary collateral, or multi-banking facilities to secure approvals.
Required Documentation Checklist
48-72 HRSKeep these documents ready to fast-track your proposal review within 48 to 72 hours:
Calculate Limits & Financial Costs
Use our proprietary financial calculators to simulate borrowing capacity, drawing power, and debt service coverage before submitting to credit committees.
Nayak Committee Turnover Limit
Simulate facility parameters, cash flows, and interest outgo.
Business Term Loan EMI Calculator
Simulate facility parameters, cash flows, and interest outgo.
DSCR & Cash Flow Debt Servicing
Simulate facility parameters, cash flows, and interest outgo.
Why Corporates Trust Our Structuring Desk
We do not lend from our own books. Our sole mandate is generating competing term sheets from 50+ banking partners to deliver lowest borrowing costs.
50+ Lending Partners
Direct access to credit committees across India's premier public sector, private commercial, and specialized NBFC lenders.
100% Conflict-Free Pure Advisory
We do not lend from our balance sheet or operate with lender-biased volume targets or hidden commissions.
Government Scheme Maximisation
Integrating PLI, CGTMSE credit guarantees, TReDS, and Priority Sector lending benefits into your credit structure.
End-to-End Execution till Drawdown
Hands-on management from initial financial diagnostic through to term sheet sanction, security creation, and fund disbursement.
Questions About Unsecured Business Loan
Key operational, structural, and regulatory details for this credit facility.
Structure your Unsecured Business Loan with optimal pricing.
Speak directly with our debt syndication team to structure your facility across our 50+ banking partners.
Ready to Access the Right Funding Solution for Your MSME?
Share your business details - our advisory team will map the right capital structure and connect you with the right partners, fast.
