Loans for Medical Professionals (Doctors) In a country like India with billions of people, the value of a doctor or other medical professional is off the charts. The demand for medical services is essential, but unfortunately, financial constraints often limit their practice expansion and prevent them from meeting the healthcare needs of the vast majority of people. At Terkar Capital, we strive to bridge this gap by providing Loans for Medical Professionals / Doctors to fulfil their noble mission. We will ensure that funding is not a problem in meeting the needs for practice expansion, increasing bed capacity, purchasing medical equipment, hiring staff, financing new setups etc. We do not want a lack of resources to prevent you from achieving your dreams. Financial Instruments for Doctors Some of the best-fit financial instruments applicable to medical professionals are those that can help them achieve their financial goals. These may include: 1. Unsecured Funding This does not require any form of security or collateral. Instead, the lender relies on the borrower’s creditworthiness. So, as a result, having a good credit score is essential for getting approved for an unsecured loan. 2. Equipment Finance Medical professionals need expensive equipment to start a practice or hospital. So, medical equipment loans can help finance such equipment. 3. Working Capital (Secured or Unsecured) A working capital loan is used to finance a company’s day-to-day operations, such as paying employees and suppliers. Many businesses do not have consistent sales or revenue throughout the year, so they may need to borrow funding to keep operating smoothly. 4. Project Finance It is financing for long-term projects like hospitals and infrastructure. So, medical professionals can use it to fund new construction or expansion. Features of Terkar Capital’s Financial Assistance: No-collateral loans are specifically designed for medical professionals Quick approval and disbursement process Custom funding for medical professionals Repayment schedule that suits your financial situation. Expert guidance to help you navigate through the plethora of financial products Documents required for Doctors Loan KYC documents of Firm/Company: GST Certificate, Udyam Certificate, PAN Card, Rent agreement/Electricity bill, Shop Act (applicable only in Maharashtra) KYC documents of Proprietor/Partner/Director: PAN Card, Aadhar Card, Passport size photo, Rent agreement/Electricity bill (as ownership proof) Financials/Income documents: Last 2-year financials: IT Return (Saral Page), COI, Balance Sheet, P&L statement, Financial notes, Form 26 AS for the last 2 years Statement of recent bank account activity for the past 6 months. Qualification documents: Degree certificate, Certificate of practice (MCI/IMA approved) Eligibility for Doctors Loan Must be a licensed physician. 4 years of work experience after graduation is required. Physiotherapists need 5 years of experience after graduation. Must be between 25 to 65 age group The minimum annual income of 1 lakh INR and Two years of profitability required at the application How to get Loans for Medical Professionals? Terkar Capital can provide financing solutions to medical professionals. So, you don’t have to go through the hassle of applying to multiple banks and NBFCs. Terkar Capital will take care of everything from submitting your application to the financial institution to disbursing the funds. Our expert team will handle everything for you. Thus, all you need to do is provide us with primary and master’s documents. Conclusion We help with professional loans in India, particularly loans for medical professionals, and provide financing options to help them overcome financial constraints and expand their practices. It covers various financial instruments such as unsecured debt funding, working capital loans, equipment finance, and project finance that are suitable for doctors. FAQs What is the rate of interest? The interest rate starts from 10.5% Is a CIBIL score important to avail doctor loan? Yes, while determining how much money to distribute, banks and NBFCs take into account your CIBIL score and repayment history. Get Free CIBIL score & Report. How long will it take for the loan to be approved and disbursed? Loan approval and disbursement time varies. However, we assist you with quick loan approval and disbursal within 24 hours of application clearance. What are the reasons that may lead to the rejection of your application? Even if you fulfil all the requirements, your application can be rejected as – Poor CIBIL score Discrepancy in the application High debt-to-income ratio Multiple loan rejections How much should the CIBIL score be required to avail of a loan for doctors? A CIBIL score of 700 or above is considered good to avail of a loan for doctors.

Professional Funding for Practice Growth Professional funding is a type of loan specifically tailored for professionals, such as chartered accountants, company secretaries and doctors. This financial product is designed to support the growth and expansion of their practices by providing the necessary funds for scaling operations, upgrading infrastructure, or meeting other professional requirements. Why Professional Funding Matter? Professionals often face unique challenges when it comes to growing their practices. Whether it’s hiring skilled personnel, upgrading office spaces, or investing in advanced equipment, financial flexibility is key. Professional loans are crafted to address these specific needs, ensuring professionals can focus on their expertise while having access to capital when required. A Real Life Example of How a Professional Funding Can Help? Purvi has been a practising chartered accountant for over five years. Her dedication and expertise have earned her a growing client base, with more clients seeking her services due to her strong reputation and reliable practice. To manage this growth, Purvi decided to expand her office and hire additional personnel to meet her clients’ needs efficiently. Purvi applied for a professional Funding designed specifically for her profession. The Funding provided her with the financial means to open a larger office, hire skilled staff, and purchase advanced software to streamline operations. This investment not only helped Purvi meet her clients’ expectations but also positioned her practice for sustainable growth. Key Benefits of Professional Financing 1. Attractive Interest Rates Professional Funding is often offered at competitive interest rates, which means you can borrow maximum funding at a lower interest rate. This makes them a more affordable option for consumers than other unsecured loans. If you have a credit score of 720 or higher, you can easily qualify for a loan with favourable terms. 2. Loan Amount They might range in size from 25 lakhs to 2 cr and beyond. Your qualifications, Year of practice, Financials and professional profile will determine this.  3. Easy approval and basic documentation Applying for professional financing is a straightforward process that requires less documentation. Instant disbursement ensures that you have the funds you need when you require them the most. 4. Application Process You can apply for professional Funding online without having to visit a bank. Almost all financial institutions now allow you to submit an online loan application. However, you can connect with executives at Terkar Capital who can help you simplify your efforts to secure the necessary funding. 5. Get funds without any collateral Professionals can apply for funding without having to provide any collateral.  6. Flexible repayment plan It is popular because of its flexible credit terms. Following your comfort level and ability to repay, you can budget and select the duration. The repayment period may be anything from 12 to 96 months. How to Apply for a Professional Funding? The requirement of immediate funds is crucial for any business or profession to thrive, however, availing funds for your business is a complex and time-consuming process. Hence, Terkar Capital and our team of experts can be a great help to you. We understand that you need assistance to reach your financial goals, and we offer no-collateral funding to professionals from banks and NBFCs. Our financial instruments are designed to be flexible and cost-effective. Additionally, our professional financing offers a variety of attractive benefits, such as quick disbursement, a flexible repayment schedule, and no foreclosure fees. Terkar Capital Professional Funding for Practice Growth We are investment bankers who offer tailor-made financing for professionals and take a client-centred approach. We provide fast turnaround time and collaborate with all major debt players in the Indian economy. At Terkar Capital, we specialize in finding the financial instruments that work best for professionals or businesses of all sizes. Lenders check your CIBIL score before approving your loan. Conclusion Professional funding is a great option for professionals who look for growth, buy equipment, or expand their practice. They are availed with competitive interest rates, substantial loan amounts, easy processes, collateral-free funding, and flexible repayment options. Hence, Terkar Capital is a reliable resource for professionals seeking tailor-made financing solutions.

Professional Loans for Doctors Professional loans can be the perfect solution for doctors like you. These loans are specifically designed to help medical professionals finance their professional needs, from purchasing new equipment to funding practice expansions. This blog post will discuss professional loans for doctors in detail. We’ll explore everything you need to know about securing the funding you need to achieve your financial goals. Being a doctor is a noble profession in society. They are known to be safe and reliable as they meet their financial commitments. So, financial institutions come up with more schemes and offer them the lowest ROI. Let’s get started! Reasons to Take a Professional Loans for doctors: Here are some reasons why doctors take out professional loans For lab set-up  Increase bed capacity Buying clinical equipment Hiring staff Renovating clinics Upgradation or expansion of health care services Procuring healthcare equipment Adapting the latest medical technologies Financial Instruments for Doctors Financial instruments for doctors include various options such as medical equipment finance, physician loans for practice acquisition, healthcare real estate, and tailored financial solutions. These instruments help doctors manage their finances efficiently, acquire essential medical assets, expand their practices, and build a diversified investment portfolio for long-term financial stability. Here are some of the best-fit financial instruments for doctors: Unsecured Funding Working Capital (Secured / Unsecured) Equipment Finance Project Finance Rental Discounting Debt Syndication Documents for Doctors Professional Loan Professional Loans for Doctors are collateral-free loans that can be availed with minimal required documents. Here are the basic documents required to apply for a doctor’s loan: Financial Documents – Last 6 Months Bank Statements and ITR  Professional Qualification Proof – Degree Certificate Address Proof –  Electricity bill / Rent Agreement KYC Documents  – Aadhar Card, Pan Card If there is a clinic then ITR, Computation of Income And Last 2 years’ Audited Financial statements are required  Professional Loans for Doctors Eligibility The eligibility criteria for a doctor’s loan may vary from institution to institution. However, some general criteria that may be considered include: Indian nationality Good credit score Medical degree certificate Minimum of 1 year of experience Proof of ownership of property Age between 25 and 65 years In addition to these general criteria, some institutions may also require applicants to have a certain level of income or to be a member of a particular professional organization. So, it is important to check the eligibility criteria of the institution you are applying to. How to get loans for doctors? To get a doctor’s loan, you are just a call away. You may reach out to Terkar Capital directly to apply for a doctor’s loan. There are only a few steps to follow, As below: At first glance, we will learn about your requirement  Accordingly, ask for the required documents  After receiving all the required documents we will be discussing with the financial institution to raise the funds  We will connect you on Google Meet to explain all the possible outcomes and after that with your permission will start the process of fundraising Within one week we will complete the process and disburse the amount Why Terkar Capital for doctors’ loans? At Terkar Capital, we understand the incredible contribution doctors make to our nation’s health and well-being. That’s why we’re dedicated to ensuring finances don’t become a barrier to your important work. Unlike traditional business loans, we offer specialized financing options for doctors, with flexible terms and competitive rates, regardless of collateral availability. Get a free CIBIL score and a report here.