Business Loans & Credit Facilities for Indian Enterprises
Whether expanding production, securing working capital, or unlocking liquidity from commercial property, CreditCares structures and places your loan file with suitable commercial banks and financial institutions. First consultation free; fee payable upon disbursement.
Explore Dedicated Credit Solutions
Select the appropriate facility structure for your business requirement:
Cash Credit (CC) & Overdraft (OD) Limits →
Revolving credit lines tied to inventory and book debts. We assist with Maximum Permissible Bank Finance (MPBF) calculations, Drawing Power normalization, CMA data preparation, and consortium migration.
Loan Against Property (LAP) for Business →
Monetize commercial, industrial, or residential real estate assets for business capex, debt consolidation, or long-tenor working capital. LTV up to 65% with extended 10–15 year amortization.
Construction Finance & Project Loans →
Structured term debt for commercial real estate, industrial factories, hospitals, and warehouse PEB infrastructure. Milestone-based disbursements with moratorium periods aligned with construction milestones.
Corporate Debt Syndication & Consortia →
Large-scale multi-bank syndication under RBI June 7, 2019 Inter-Creditor Agreement (ICA) framework, greenfield project financing, TEV studies, and takeout refinancing across PSU and private bank consortia.
Business Loan Facility Comparison
| Facility Type | Ticket Size | Primary Security | Typical Tenor | Best Suited For |
|---|---|---|---|---|
| Cash Credit / OD | From ₹50 Lakh | Stocks & Book Debts + Collateral | 12 Months (Annual Review) | Daily working capital, inventory holding, raw material capex |
| Loan Against Property | From ₹50 Lakh | Commercial / Industrial / Resi Property | 7 to 15 Years | Long-tenor growth capital, replacing expensive short debt |
| Construction & Project Loan | From ₹10 Crore | Project Land, Civil Structure & Escrow | 5 to 12 Years + Moratorium | Commercial towers, hospitals, PEB factories, logistics parks |
| Corporate Syndication | ₹10 Cr to ₹500 Cr | Pari-passu charge on fixed & current assets | 7 to 15 Years | Large-scale industrial expansion, consortia refinancing |
Regulatory & Statutory Compliance Notice
- Advisory Role: CreditCares is an independent finance advisory firm, not a bank or direct lender. For certain facilities, CreditCares acts as a Direct Selling Agent (DSA) with lender commission fully disclosed prior to client agreement.
- Lending Discretion: All credit facilities, interest rates, sanctions, and covenants are determined exclusively by empanelled banks/NBFCs upon formal appraisal.
- RERA Compliance: For real estate and construction projects, debt structuring strictly respects section 4(2)(l)(D) of the Real Estate (Regulation and Development) Act, 2016, mandating that 70% of real estate sales receivables are maintained in a dedicated project escrow account.
Discuss Your Business Credit Requirement
Speak directly with our senior credit specialists to evaluate your balance sheet, identify optimal debt sizing, and structure bank-ready documentation.