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Unsecured Commercial Loans

Every business needs funding to grow, but not all have the collateral to secure a loan. Unsecured commercial loans provide a hassle-free financing option where businesses can access funds without pledging assets. Whether it’s for expansion, working capital, or managing operational expenses, these loans offer a quick and flexible solution.

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Unsecured Debt Instruments

Unsecured Commercial Loans
Unsecured Working Capital
CGTMSE Loan
Bill Discounting
Factoring Finance
LC Discounting
Bank Guarantee
Trade Finance

Key Features of Unsecured Commercial Loans Advantages

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Funding amounts from Rs 25 Lacs to Rs 15 Cr

flexible repayment

Fast Turnaround time (as low as 3-4 days)

Corporate client

Professional Execution

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Smooth Processing

requirements

Simple terms and less paperwork

(*T&C Applied)

Unsecured Commercial Loans Advantages

Unsecured commercial loans provide businesses with quick access to funds without requiring collateral.

  1. Faster approvals and disbursements compared to secured loans.
  2. Use funds for multiple business needs.
  3. Eligibility for a loan is based on business and creditworthiness.
  4. Reduced paperwork ensures a smooth loan application process.
  5. Select repayment schedules that match your business cash flow.
  6. Eligible businesses can get substantial funding.
  7. Timely repayments improve your credit profile.

Unsecured Commercial Loans Eligibility

Eligibility for unsecured commercial loans typically depends on meeting the lender’s basic criteria.

  1. Minimum of 2-3 years of operational history is preferred.
  2. Companies with stable revenue streams are more likely to qualify.
  3. Good credit scores improve approval odds.
  4. Financial health and consistent cash flows improve loan eligibility.
  5. Private limited companies, LLPs, and proprietorships can apply.
  6. Recent transaction records demonstrating financial stability.
  7. Some industries may have specific funding considerations.

Let’s schedule a brief call to discuss unsecured commercial loans for your business!!

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Unsecured Commercial Loans Documents

This is very important, as documentation can be a significant factor. However, the length of the process is determined by the availability of documentation. Here’s the list:

Owner KYC Documents

  1. Adhar Card (complete page)
  2. Pan Card
  3. Latest Electricity Bill
  4. Current Rent Agreement
  5. Passport Size Photo

Business KYC Documents

  1. GST Certificate
  2. MOA, AOA, Pan Card
  3. Shop Act / Trade License
  4. Certificate of incorporation
  5. Shareholding Pattern
  6. Partnership Deed
  7. Current electricity bill and
  8. Rent Agreement

Banking Documents

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

Financial Documents

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

Unsecured Commercial Loans at Terkar Capital

At Terkar Capital, we specialize in providing tailored unsecured commercial loans to businesses of all sizes. Our extensive network with financial institutions and NBFCs ensures quick approvals, competitive interest rates, and customized loan solutions.

We provide complete loan assistance, professional advisory services, competitive interest rates, and an efficient procedure ensuring swift loan disbursement.

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How Do We Execute?

1. Understanding Client's Requirement

A tailored funding solution based on a thorough evaluation of the client’s business goals and financial requirements.

2. Analysing the Strengths and Opportunities

Leverage the client's financial and operational strengths to optimize their funding prospects.

3. Documentation

Ensuring meticulous preparation of all necessary documents to facilitate a seamless funding process.

4. Identifying the Right Financial Product

Recommending the most suitable financial product to align with the client’s specific goals and requirements.

5. Soft Approval From Financial Institutions

Securing preliminary approval from financial institutions based on the client's profile and funding needs.

6. Actual Submission of the Documents

Submitting all finalised and verified documents to the financial institution for formal processing.

7. Disbursement

Coordinating with financial institutions to ensure timely release of funds.

8. Funding As Required

Providing funds customised to the client’s operational or expansion needs, ensuring business growth.

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Client Feedback

What our clients think about us?

N Nihalani
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
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
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
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.

Unsecured Commercial Loans FAQs

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 loans for debt refinancing or consolidation.

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

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.

Financial Products

Unsecured Debt Funding

Secured Debt Funding

Professionals Funding

CGTMSE Loan

Machinery Loan

Financial Instruments

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Industries We Serve:

Pharmaceutical Company

IT Company

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Head Office

Castle Eleganza, 103, Bhonde Colony, Dr.Ketkar Road, Erandwane, Pune – 411004, MH-India

Yes@terkarcapital.com

+91 8308629820

Corporate Office

The Capital, Level 7, B-Wing, Plot C – 70, G Block, Bandra Kurla Complex, Bandra (East), Mumbai – 400051.

Mumbai@terkarcapital.com

+91 7414973455

Branch Offices

Nashik | Nagpur | Chhatrapati Sambhaji Nagar | Hyderabad

Operational Presence

Delhi | Bengaluru | Chennai | Kolkata | Ahmedabad | Surat

Growing Nationwide…

Terkar Capital

In Association with:

MSME Global Mart | MCCIA

© Terkar Capital 2025

CIN – U70200PN2023PTC224016

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All formal communication from Terkar Capital will be conducted exclusively through our designated official emails. Do not respond to fraudulent calls or emails claiming to be from Terkar Capital. Contact us using the official coordinates!!

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