Unsecured Commercial Lending

Every business requires financing to grow or expand, but not all have collateral to offer as security. Thus, in this case, an unsecured commercial lending step in. It provides easy access to financing. Whether it is for capex or opex, unsecured commercial lending offers a quick and flexible financing solution.

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Key Features

(*T&C Applied)

Advantages of Unsecured Commercial Lending

Unsecured commercial lending provides businesses with quick access to funds without requiring collateral.

Quick access to funds without needing any collateral
Faster approval and disbursal compared to secured loans
Use funds for multiple business needs like expansion, operations, or working capital
Eligibility is primarily based on creditworthiness
Simple execution process with minimal paperwork
Flexible terms match your business cash flow
Timely repayments help improve your business CIBIL score

Eligibility Criteria for Unsecured Commercial Lending

It typically depends on meeting the lender’s basic criteria.

A minimum of 2-3 years of operational history is preferred.
Companies with stable revenue streams are more likely to qualify.
Good credit scores improve approval odds.
Financial health and consistent cash flows improve loan eligibility.
Private limited companies, LLPs, and proprietorships can apply.
Recent transaction records demonstrating financial stability.

Unsecured Commercial Lending Documents

Documentation is a very significant factor. However, the length of the process is determined by the availability of documentation. Here’s the list:

Owner KYC Documents

Aadhar Card (complete page)
Pan Card
Latest Electricity Bill
Current Rent Agreement
Passport Size Photo

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Business KYC Documents

GST Certificate
MOA, AOA, Pan Card
Shop Act / Trade License
Certificate of incorporation
Shareholding Pattern
Partnership Deed
Current electricity bill and
Rent Agreement

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Banking Documents

All account Bank statements (For the last 12 months)
All current loan sanction letters

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Financial Documents

Last 2 years' complete Financials
GST Returns (for last 12 months)

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How do we execute the unsecured funding proposal?

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Terkar Capital's Unsecured Commercial Lending

We facilitate unsecured funding tailored to businesses’ needs. Our extensive network with financial institutions and NBFCs ensures quick approvals, competitive interest rates, and customized loan solutions. We do provide complete funding assistance, professional advisory services, competitive interest rates, and an efficient procedure ensuring swift loan disbursement.

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FAQs on Unsecured Commercial Lending

Approval can take anywhere between 3 to 7 business days, based on documentation and eligibility.

In some cases, lenders may require a personal guarantee, especially for larger amounts.

Yes, many businesses use unsecured funds for debt refinancing or consolidation.

Yes, businesses demonstrating good repayment history may qualify for higher loan amounts in future applications.

We Facilitate the Following Funding Instruments

Client Feedback

What our clients think about us?

N Nihalani

We have had a smooth experience with all our capital arrangements facilitated via Terkar Capital so far. Its very comforting to work with people as professional and straightforward as Vishal and the rest of his team. Thanks for everything.

C Sonawane

Thank you Terkar Capital for processing my business loan in just a few working days. Very professional & skilled team. They understood my requirements to a level that were beyond my expectations from any lending company. I strongly recommend Terkar Capital.

24th Mile

We are very thankful to Terkar Capital for your efforts in arranging facility. Their approach is very simple, professional, and fast! The team is highly responsive that executed the process in short span of time without any hassles. Great work... Thank you!

M Dwivedi

I got an unsecured business loan within 7 working days .their specialized experts verfied all the documents and granted me the loan .getting a business loan from terkar capital is the easiest way to get a loan.