Unsecured Working Capital for a Biotech Company

Biotech companies that are short on fixed assets can access unsecured funding. As they require timely funding to meet operational expenses, research and development costs, unsecured working capital loans make it easy for them to access funding without the need for collateral, allowing biotech companies to focus on their business and growth without risking valuable assets.

Unsecured Working Capital Key Features

(*T&C Applied)

Unsecured Working Capital Benefits

An unsecured loan allows biotech companies to maintain liquidity without pledging assets.

No collateral or business asset required
Quick access to capital for day-to-day operations
Streamlined documentation and smooth approval process
Flexibility to use funds for payroll, inventory, research and development, or marketing
Eases cash flow during economic downturns
For established and growing biotech companies
Competitive interest rates based on business performance

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Unsecured Working Capital Eligibility for Biotech Company

Biotech companies can qualify for unsecured loans based on their financial status and business capabilities.

The business should be registered and operational
Minimum turnover requirement as per the financial institution’s norms
A good credit score increases the chances of loan approval
Regular revenue stream and financial stability are preferred
The loan amount is determined by the financial performance and repayment track record
GST returns and financial statements are the most important evaluation criteria.

Documents Required

Since the loan is unsecured, proper documentation helps ensure faster approval.

Business registration certificate
PAN and Aadhaar of business owners or directors
Bank statements for the last 6-12 months
Financial reports, including profit & loss statements
GST returns and tax filings
Existing loan repayment track record (if applicable)
Any additional documents requested by the financial institutions

Unsecured Working Capital at Terkar Capital

At Terker Capital, we cater to the unique financing needs of biotech companies. Therefore, our working capital loans offer biotech companies a fast and versatile working capital solution without collateral so that they can focus on research, production and expansion. Plus, with less paperwork, low interest rates, and quick disbursements, we help biotech companies control cash flow and easily capture growth opportunities.

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Unsecured Working Capital FAQs for Biotech Company

Yes, funds can be used for R&D, purchasing raw materials, or other operational needs.

A strong credit score improves approval chances, but other factors are also considered.

Yes, depending on your repayment history and financial capacity.

You can apply with Terkar Capital by submitting basic documents and business details.

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Terkar Capital is a registered brand of Terkar Global Financial Development Pvt Ltd, an Investment Banking Firm with a national footprint. We work extensively with professionals and businesses of all sizes to arrange debt funding instruments.