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Unsecured Working Capital Loan in Pune

In the business landscape of Pune, an unsecured working capital loan is a lifeline for businesses aiming for growth and expansion. The ability to access funds without the burden of collateral is a game-changer, especially when traditional loans often demand asset pledges. Hence, Unsecured working capital loans emerge as a powerful tool, empowering businesses in Pune the ability to propel their growth trajectory with confidence, free from the encumbrance of collateral requirements. 

It stands out as a dynamic financial solution for businesses in Pune seeking a streamlined and hassle-free funding process. The beauty of these loans lies in their simplicity – they are easy to apply for, do not necessitate collateral, and require minimal paperwork. This makes them an attractive option for businesses of all scales, whether small, medium, or large, in Pune.

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Unsecured Debt Instruments

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

Key Features of Unsecured Working Capital Loans

Unsecured working capital loans in Pune provide businesses with the flexibility to manage a range of expenses, such as bridging short-term cash flow gaps, covering daily operational costs, and financing inventory purchases.

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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)

Why Choose an Unsecured Working Capital Loan?

Choosing an unsecured working capital loan to foster business growth in Pune comes with a multitude of advantages tailored to the dynamic needs of local enterprises. Unlike secured loans, unsecured working capital loans eliminate the requirement for collateral, making them accessible and expedient for businesses at various stages.

Every business has a primary prerequisite: cash flow. The rationale behind this requirement is straightforward – to meet the increasing demands of the market. Be it any industry – manufacturing, service, or trading, all industries require working capital. The bankers provide an unsecured working capital loan facility, which primarily includes: OD Facility, Dropline OD, Cash Credit, BG facility, etc.

Advantages Unsecured Working Capital Loan

  1. No collateral requirement, facilitating a considerably expedited turnaround time.
  2. Multiple debt instruments can be explored, specific to your business.
  3. To enhance the turnover ratio and efficiently manage current obligations, it is crucial to optimize the working capital finance requirements.
  4. Flexible repayment terms of 3 to 5 years based on the borrower’s creditworthiness.
  5. A flexible payment structure ensures that you only pay for what you utilize. Unlike traditional Term Loans with fixed obligations, there are no long-term commitments required.

Unsecured Working Capital Loans Eligibility

  1. Age between 21-65 years
  2. Business Vintage – 3 years of business existence required. (Criteria may vary per institution).
  3. Credit score, stability, and repayment history are significant factors.
  4. No prior loan defaults with any institution
  5. This facility is available for all financial institutions, excluding HUF.

Let’s understand how we execute unsecured loans from the case study.

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

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Unsecured Working Capital Documents

This is very important, as documentation can be a significant factor in obtaining a Unsecured Working Capital facility. 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 Working Capital Loan at Terkar Capital, Pune.

At Terkar Capital, we comprehend the need for unsecured working capital loans that foster innovation and agility in businesses. By eliminating collateral requirements, these loans empower companies in Pune to experiment and adapt to dynamic market conditions. 

This strategic move enables businesses to flourish within the city’s thriving economy. Hence, recognizing the importance of collateral for financial institutions, we strive to find a compromise by arranging unsecured working capital loans for businesses in Pune. Our goal is to facilitate the growth and success of businesses in this vibrant economic hub.

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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.

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

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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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