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Unsecured Debt Products

Unsecured business loans are a popular choice for businesses in India. It addresses short-term financial needs as they advance. However, Lack of machinery, worker payments, pending bills, and buying new stock are just some of the short-term hassles that occur. So, to address these hassles, Terkar Capital facilitates unsecured debt funding products.

The unsecured business loans are accessible to businesses of various types and sizes in India. This type of financing often presents a challenge for small and medium-sized businesses that lack adequate financial resources and arrangements.

Unsecured business products

Key Features of Unsecured Debt Products

get money icon

Funding amounts from Rs 25 Lacs to Rs 15 Cr

interest rate

Interest rates start at 14% PA (Subject to Financial Ratios)

smooth processing icon

Smooth Processing

Simple paperwork

Simple terms and less paperwork

flexible repayment

Flexible Loan repayment (up to 60 Months)

Eligibility to avail Unsecured Business Loans

The eligibility criteria for obtaining unsecured debt products are typically standardized across most financial lending institutions. These criteria are often influenced by the lending firms’ practices and industry norms.

  • A CIBIL score of over 720 is required in most cases.
  • The ages of the applicants must be between 25–55. Again, this does not apply to all financial institutions.
  • Depending on the lending institution, the lending requirement ranges from 40 to 50 lac INR.
     

Unsecured Debt Products

WE COVERED IN THESE AREAS
Unsecured business loans

Unsecured Business Loans

This collateral-free loan is perfect for entrepreneurs looking for financial flexibility and ease, as it can help you address immediate challenges such as machinery acquisition, employee remuneration, outstanding invoices, and inventory restocking.

Unsecured working capital loan

Unsecured Working Capital

As a business leader, you are aware of the importance of working capital for consistent growth and meeting market needs. Whether in manufacturing, services, or trading, adequate working capital is essential for success in the competitive modern environment.

cgtmse loan

CGTMSE Loan

The government-backed program aims to promote the growth of SMEs by both strengthening existing businesses and empowering new ventures. The CGTMSE scheme has significantly transformed the manufacturing sector and revitalized the Indian economy.

Trade Financing Solutions

Trade Financing

Expand your business globally while addressing issues such as working capital, payment security, and credit terms. Our solutions include trade financing and expert financial risk management, ensuring a seamless international trade experience.

Bill discounting facility

Bill Discounting

Bill discounting can help you get quick working capital to expand your business. You can submit your invoices to financial institutions with minimal paperwork, which will ensure quick payment. This will help you improve your cash flow and propel your company’s progress.

LC discounting

LC Discounting

Experience the convenience of Letter of Credit Discounting, an innovative credit solution tailored to meet your business’s working capital needs. With your reliable banking partner, take advantage of the flexibility and simplicity of LC Discounting.

factoring funding facility

Factoring Funding

Factoring involves a business selling its debtors to a factoring company, which then manages the debtors and provides funds to the company, offering working capital support without requiring collateral.

Bank guarantee as a non-fund-based working capital facility

Bank Guarantee Facility

As a business leader, you are aware of the importance of working capital for consistent growth and meeting market needs. Whether in manufacturing, services, or trading, adequate working capital is essential for success in the competitive modern environment.

Documents Required to Apply for Unsecured Debt Products

Obtaining Unsecured Debt Products requires crucial documents. The loan’s success depends on the documentation, and the process length depends on document availability.

Id document

Identity Documents

  • Aadhar card
  • PAN card
  • Driving license 
  • Voter ID
  • Passport, etc.
address document

Address Proofs

  • Ration Card
  • Electricity Bill
  • Lease Agreement
  • Trade License
  • Passport
  • Tax Invoices, etc.
financial document

Financial Documents

  •  Bank Statements
  • CIBIL
  • Business Bank statements
  • Asset Counts, etc.

How do we Execute?

Here’s how we execute the assignment.

Check your CIBIL score for free.

What sets us apart?

1. Fast Turnaround Time

We cordially track the deadlines and make our quality tangible, while executing finance projects well ahead of time.

2. Confidentiality

At Terkar Capital, We comply with the highest professional confidentiality standards. All client information is discussed in strict confidentiality.

3. Competitive ROI

We find you the right lenders with similar terms and the lowest rate of interest.

4. Hassle-free Processing

We create a stable ownership structure for financiers by establishing a secure transaction process.

5. High Level of Integrity

We are building our reputation through reliability, integrity, and honesty. We connect to our clients on personal grounds that include transparency and liability.

financial consultant handshake

Feedback

What our clients think about us?

How we can help you?

As a financial services company, we raise funds strategically from a variety of sources, including Domestic or International Fund Houses, and Govt. Banks, Private Banks, Cooperative Banks, and NBFCs.

The debt funding can be raised with multiple permutations and combinations. There are two major segments that we cater to for raising funds. The first is for amounts below Rs. 100 crores and the second is for amounts above Rs. 100 crores.

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.

Terkar Capital

In Association with:

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

Growing Nationwide…

Operational Presence

Delhi | Bengaluru | Chennai | Kolkata | Ahmedabad | Surat

© Terkar Capital 2024

CIN – U70200PN2023PTC224016