The Myth: My CIBIL score is low, so no financial institution will touch my business for growth funding.
The Reality: Let’s stop viewing your credit score as the final verdict on your business’s future.
A low CIBIL score is an obstacle, yes, but it is rarely an immediate dead end.
What Outweighs the Score? The Power of "Bank Hygiene"
If your CIBIL is down, the rest of your business profile must stand up. Funding becomes achievable when the focus shifts from history to current operational strength.
Lenders look for:
- Consistent Cash Flow: Does the business generate healthy revenue regularly?
- Robust Business Profile: Are operations stable and growing?
- Transparent Banking: Do your statements reflect disciplined financial habits?
A strong, trustworthy business engine can often convince lenders to look past historic credit blips.
The Red Lines (Being Transparent) While we can work with low scores, we must be realistic. Active NPA (Non-Performing Asset) status and a history of intentional cheque bounces remain significant barriers. These signal a lack of “intent to repay,” which is difficult to structure around.
The Terkar Approach: Structuring for Intent At Terkar Capital, we don’t just look at the number; we look at the entrepreneur. If your intent is clear, your integrity is intact, and your business fundamentals are strong, funding is achievable. We specialize in engineering professional debt instruments tailored for businesses that don’t fit the “perfect” banking box.
Don’t let a past score choke your future growth. If your business fundamentals are solid, let’s discuss how to structure the capital you need.
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