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Unsecured Working Capital for a Biotech Company

Biotechnology companies without substantial fixed assets can still secure funding. As they need immediate funding to cover operational expenses, research, and production costs, an unsecured working capital loan provides them with quick financial support without requiring collateral, allowing biotech firms to focus on innovation and business growth without risking valuable assets.

Key Features of Unsecured Working Capital

(*T&C Applied)

Unsecured Working Capital Advantages for Biotech company

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

No need to provide collateral or business assets
Quick access to funds for day-to-day operations
Simplified documentation and fast approval process
Flexibility to use funds for payroll, inventory, R&D, or marketing
Helps maintain cash flow during financial slowdowns
Available for both established businesses and growing biotech firms
Competitive interest rates based on business performance

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Unsecured Working Capital Eligibility for Biotech Company

Biotech firms can qualify for an unsecured loan based on their financial health and business potential.

Business must be legally registered and operational
Minimum turnover requirement based on financial institution’s criteria
A good credit score enhances loan approval chances
Consistent revenue flow and financial stability preferred
The loan amount depends on financial performance and repayment history
GST returns and financial records are key evaluation factors

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 for Biotech Firms at Terkar Capital

At Terkar Capital, we understand the unique funding needs of biotechnology companies. Thus, our unsecured working capital loans provide biotech firms with quick and flexible financing solutions without collateral, enabling them to focus on research, production, and expansion.

Furthermore, with minimal documentation, competitive interest rates, and fast disbursal, we help biotech businesses manage cash flow and seize growth opportunities with ease.

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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.