Business Loan Solutions — Structured by Banking Experts
Ex-Axis Bank bankers, Chartered Accountants & Legal experts — delivering end-to-end loan advisory for businesses from ₹10 Lakh to ₹100 Crore.
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Getting a business loan in India is not just about eligibility — it is about knowing which bank to approach, how to structure your financials, and what collateral works best for your profile.
CreditPicker's team of ex-Axis Bank bankers and Chartered Accountants has helped businesses secure ₹100+ crore in funding across Term Loans, Working Capital, Machinery Finance, and Project Loans — from ₹50 lakh to ₹100 crore.
We don't just apply. We structure, negotiate, and close.
Business Loan Products
Term Loan
₹10L – ₹50Cr
Fixed tenure, ideal for asset purchase & expansion
Overdraft / CC Limit
₹5L – ₹25Cr
Revolving credit — pay interest only on used amount
Machinery Loan
₹10L – ₹20Cr
Up to 90% funding for new & used machinery
Dropline OD
₹25L – ₹50Cr
Reducing limit structure, lower effective interest
Secured Business Loan
₹50L – ₹100Cr
Property collateral — get the best rates in market
Unsecured Business Loan
₹10L – ₹5Cr
No collateral required, fast approval in 5-7 days
| Product | Amount Range | Tenure | Best For |
|---|---|---|---|
| Term Loan | ₹5L – ₹50Cr | 1-10 yrs | Capital purchase & expansion |
| Overdraft / CC | ₹5L – ₹500Cr | Revolving | Working capital needs |
| Machinery Loan | ₹5L – ₹10Cr | 3-7 yrs | Equipment & machinery |
| Dropline OD | ₹25L – ₹500Cr | 3-5 yrs | Reducing credit line |
| Secured Loan | ₹5L – ₹500Cr | 1-15 yrs | Property backed |
| Unsecured Loan | ₹5L – ₹50L | 1-5 yrs | No collateral needed |
We Work Across All Industries
From manufacturing units in Pune to IT firms in Bengaluru — we structure loans for every business profile.
Manufacturing
Plant, machinery & working capital for SMEs and large units.
Trading
OD/CC limits & invoice discounting for distributors and wholesalers.
Healthcare
Hospital expansion, medical equipment & clinic setup loans.
Real Estate
Project finance, LRD & construction loans for developers.
Hospitality
Hotel, restaurant & cloud kitchen funding — ₹50L to ₹50Cr.
IT & Services
Unsecured loans against contracts, MSAs & receivables.
Construction
Equipment finance, mobilisation advance & BG facilities.
Retail
Store expansion, franchise & inventory financing.
Education
School, college & coaching institute infrastructure loans.
Logistics
Fleet finance, warehouse loans & working capital lines.
Agriculture
Agri-business, food processing & cold storage funding.
Export / Import
Pre-shipment, post-shipment & LC backed funding.
Government Schemes We Help You Access
Mudra Loan
Up to ₹10 lakh, no collateral — for micro enterprises.
CGTMSE
Collateral-free credit up to ₹2 crore for MSMEs.
SIDBI Loans
SME-focused funding with competitive rates.
Stand Up India
₹10L – ₹1Cr for SC/ST & women entrepreneurs.
ECLGS
Emergency Credit Line for existing borrowers.
PMEGP
Margin money subsidy for new manufacturing units.
Eligibility Snapshot
You're Likely Eligible If
- 2+ years business vintage
- ₹40L+ annual turnover
- CIBIL 700+ (promoter & company)
- Last 2 years ITR filed
- Active GST registration
- Profitable last 2 years
May Face Challenges If
- Business less than 1 year old
- Cash-only business (no bank transactions)
- CIBIL below 650 (promoter)
- No ITR filed in last 2 years
- Pending legal/regulatory issues
- Default history with any lender
Not sure if you qualify?
From Consultation to Disbursement
Free Expert Consultation
30-min call with our ex-banker to understand your requirement
Financial Assessment
Our CA team reviews your ITR, balance sheet & cash flows
Bank Shortlisting
We identify 3-5 best-fit lenders for your specific profile
Documentation & Legal
End-to-end documentation with in-house legal verification
Disbursement
Loan sanctioned and funds disbursed to your account
Free Expert Consultation
30-min call with our ex-banker to understand your requirement
Financial Assessment
Our CA team reviews your ITR, balance sheet & cash flows
Bank Shortlisting
We identify 3-5 best-fit lenders for your specific profile
Documentation & Legal
End-to-end documentation with in-house legal verification
Disbursement
Loan sanctioned and funds disbursed to your account
Why Expert Advisory Matters
Bank rejected your loan?
We restructure your financials, fix CIBIL gaps, and reapply with the right bank. 70% of our clients were previously rejected.
Got a lower sanction than needed?
We negotiate with lenders using CMA data, cash flow analysis, and collateral revaluation to maximize your sanction amount.
Confused about which lender?
We shortlist the 3 best-fit banks for your specific industry, turnover, and loan type — saving weeks of comparison.
20+ Lender Partners
You get the best offer, not the first offer
PSU Banks
Private Banks
NBFCs & DFIs
Why 20+ lenders matter: we approach the right lender for your profile — not all 30, the best fit one.
Documents for Business Loan
Basic KYC
- Aadhaar + PAN (promoter)
- Business PAN
- GST registration
- Business registration certificate
- Address proof
Financial Documents
- 2 years ITR with computation
- 2 years audited P&L + Balance Sheet
- 12 months bank statement
- GST returns — last 6 months
- Projected financials (if needed)
For Secured Loans — additionally
Business Loan Questions Answered
Ready to Get Your Business Loan Approved?
Our ex-bankers analyse your case in 24 hours — for free. No spam. No commitment.
Get Free Expert Assessment
Our ex-banking team will call you within 2 hours