Working capital finance
Smooth out the gap between paying suppliers and collecting receivables.
- Best for
- Inventory, payroll, seasonal demand
- Tenure
- Short to medium tenure
- Security
- Usually unsecured or cash-flow linked
BUSINESS FINANCE
Business finance, matched to how your business earns.
Working capital, expansion or equipment — the right structure depends on your cash cycle, not just the loan amount. We help you choose the route first, then connect you with suitable lenders.
- Multiple lender relationships
- Secured & unsecured routes
- Assisted documentation
Ticket size₹2 lakh – ₹5 cr+Varies by lender and profile
Structures4+ routesTerm, working capital, secured, asset-backed
AssessmentCash-flow ledTurnover, banking and bureau matter
SupportAssistedDiscovery to documentation
CHOOSE YOUR ROUTE
Different needs call for different structures.
A working-capital gap, a new machine and a second outlet are three different needs. Each is usually served best by a different structure, tenure and repayment pattern.
Term loan
A lump sum repaid in fixed instalments for a defined business purpose.
- Best for
- Expansion, refurbishment, hiring
- Tenure
- Medium tenure
- Security
- Secured or unsecured
Unsecured business loan
No collateral pledged; assessed mainly on financials and credit profile.
- Best for
- Faster, smaller requirements
- Tenure
- Short to medium tenure
- Security
- No collateral
Secured / property-backed
Uses property as security, which can support larger amounts and longer tenures.
- Best for
- Large or long-term needs
- Tenure
- Longer tenure
- Security
- Property as collateral
Machinery & equipment
Finance tied to the asset being bought, so the machine supports its own repayment.
- Best for
- Plant, equipment, vehicles
- Tenure
- Matched to asset life
- Security
- Asset-linked
Not sure yet
Tell us the requirement and cash cycle; we will suggest the route worth exploring first.
- Best for
- Early-stage planning
- Tenure
- —
- Security
- —
WHERE THE MONEY WORKS
Capital for operations, capacity and growth.
Working capital
Inventory, receivables, payroll and day-to-day operating cycles.
Business expansion
New locations, added capacity, hiring or a planned growth initiative.
Equipment & assets
Machinery, vehicles and productive assets that earn their own repayment.
Structured requirements
Larger or longer needs that may suit secured or property-backed routes.
WHO IT SUITS
Built around real business types.
Whether you trade, make, serve or practise, lenders look at how your business actually runs.
- Traders & distributorsStock cycles and receivables.
- ManufacturersWorking capital plus plant and equipment.
- Service businessesPayroll-heavy, cash-flow driven needs.
- Professionals & clinicsFit-outs, equipment and practice growth.
- Growing MSMEsExpansion across locations or capacity.
- Firms & companiesProprietorships, partnerships, LLPs and private limited.
HOW IT WORKS
From requirement to the right lender, in four steps.
- 1
Share the requirement
Tell us the amount, purpose and business type. It takes about two minutes.
- 2
Choose the structure
We help you weigh secured, unsecured and asset-backed routes for your cash cycle.
- 3
Prepare the file
Get a clear checklist of documents so the application goes in complete.
- 4
Meet suitable lenders
We connect you with lenders whose criteria fit your profile. The lender decides and issues final terms.
WHAT LENDERS LOOK AT
Turn your business story into a credit story.
Business vintage
Operating history shows continuity. Many lenders look for a couple of years of trading.
Turnover & financials
GST returns, ITR and financial statements form the core of most assessments.
Cash-flow pattern
Inflows, existing obligations and seasonality decide repayment capacity.
Credit profile
Bureau history of the business and relevant promoters influences the route.
DOCUMENT CHECKLIST
Keep the essentials ready.
Business files usually combine entity, tax, financial, banking and promoter records. The exact set depends on your constitution and the facility.
Match the finance structure to the cash cycle.
Short-term operating needs and long-life capital spending should not automatically share one repayment structure.
- Keep working capital and capex needs separate
- Align repayments with when cash actually comes in
- Compare secured and unsecured options where both are possible
- Read collateral and guarantee terms before you commit
- GST registration, where applicable
- Incorporation or registration documents
- Business address and ownership proof
- KYC of proprietor, partners or directors
- 12 months of bank statements (typically)
- ITR and financial statements
- GST returns or turnover evidence
- Existing loan statements, if any
QUESTIONS
Business loan FAQs
How much can I borrow?
Business loan amounts typically start around ₹2 lakh and can go to ₹5 crore or more. What you are offered depends on turnover, cash flow, existing obligations, credit profile and whether security is offered.
Do I need collateral?
Not always. Unsecured routes rely on financials and credit profile, while secured routes use property or assets and can support larger amounts. We help you compare both where feasible.
How long does the process take?
It depends on the lender, the facility and how complete your documents are. A ready file avoids most delays.
Which documents matter most?
KYC, business registration, recent bank statements, ITR and financials, and GST returns where applicable. See the checklist above for the full picture.
Does enquiring affect my credit score?
Sharing your requirement with us does not, on its own, run a credit check. Lenders may check your bureau record when you proceed to a formal application.
Is Shubhbank the lender?
No. Shubhbank helps you discover and prepare for suitable lender options. Approval, rates and final terms are decided by the lender.
READY TO STRUCTURE IT?
Start business finance enquiry