Fundraising, both with and without collateral, is common practice in the pharmaceutical industry. If the industry does not require any support of the fixed asset to run the operations, there is no reason you should have the collateral. However, it does not mean – no collateral – no funding. This is where unsecured working capital loans come in.
Unsecured working capital loans give pharmaceutical companies the financial flexibility to manage day-to-day operations and short-term expenses without having to offer any assets as security. These loans allow for quick access to funds while keeping your company’s property secure. Hence supports pharmaceutical companies’ needs like bridging cash flow, buying materials, covering production and testing costs, and ensuring regulatory compliance.
Funding amounts from Rs 25 Lacs to Rs 15 Cr
Fast Turnaround time (as low as 3-4 days)
Professional Execution
Smooth Processing
Simple terms and less paperwork
(*T&C Applied)
(as applicable)
We at Terkar Capital, have the expertise to understand the industry well (In fact we understand the pharma industry well) and raise the funding as per the requirement. No matter if the collateral is available or not. Even without collateral, we can go long!
Thus, we facilitate unsecured working capital loans tailored to meet the funding needs of your pharma company. We provide end-to-end support for quick loan approvals, disbursements, and favourable terms. Let’s explore!
If repayment is delayed, you may incur penalties or face an increase in interest rates.
UWC typically has faster approval and disbursement times compared to secured loans. So, with us, funds can be made available within 3-10 days, subject to the documents received.
Yes, these loans are flexible and can be used for various purposes, such as Bridging cash flow gaps, Purchasing raw materials or inventory, Covering production and testing costs, Meeting payroll or regulatory compliance expenses.
The lenders may charge processing fees, prepayment penalties, or late payment fees. At Terkar Capital, we ensure full transparency, so you’re aware of all costs upfront, helping you make an informed decision.
Yes, timely repayment positively impacts your CIBIL score, improving future funding prospects. Conversely, delays or defaults can lower your score, making future loans more expensive or harder to obtain.
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