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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.

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Unsecured Loan Instruments

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

Key Features of Unsecured Debt Products

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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)

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

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.

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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.

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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.

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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.

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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.

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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.

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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.

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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.

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

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Unsecured Debt Products Documents

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

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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)

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.

Check your CIBIL score for free.

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.

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 2024

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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