Enterprise Growth Funding

Accelerate Your Enterprise With Smart Capital

Fuel working capital, expand infrastructure, or buy equipment with collateral-free funding up to ₹75 Lakhs and fast 24-hour disbursals.

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Trusted by Businesses

Business Advantage

Zero Collateral Required

Unsecured business loans structured around your company revenue and operational cash flow.

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Minimal Paperwork & Fast Digital Approvals
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Flexible Repayment Tenures up to 4 Years
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Dedicated Relationship Manager Support
Max Funding₹75 Lakhs

24hrs

Fastest Disbursal

0%

Collateral Required

Interest Rate

11.49% p.a.*

Competitive rates for enterprise growth

Loan Amount

Up to ₹75L

For working capital and expansion

Disbursal Time

24 Hours

Rapid liquidity for urgent needs

Loan Tenure

Up to 4 Years

Flexible cash flow management

Enterprise Solutions

Tailored Business Financing Options

01
High Demand

Working Capital Loan

Bridge short-term cash flow gaps, manage daily operational expenses, and maintain smooth inventory cycles.

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02
Scale Up

Business Expansion Loan

Scale your operations, open new branches, or launch fresh product lines with structured long-term capital.

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03
Asset Upgrade

Machinery & Equipment Financing

Purchase advanced machinery, software, or heavy equipment to boost your manufacturing and operational capacity.

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04
Quick Liquidity

MSME & Invoice Financing

Unlock immediate funds against unpaid invoices and bills to maintain uninterrupted business momentum.

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Application Workflow

4 Easy Steps to Secure Funding

01

Business Profile Assessment

Share basic enterprise turnover and operational vintage details to evaluate pre-approved funding.

02

Digital Documentation

Upload business financials, bank statements, and tax returns securely through our portal.

03

Underwriting & Sanction

Our credit experts review your business health and issue a formal sanction offer rapidly.

04

Direct Account Transfer

Funds are credited directly to your registered current account within 24 hours.

Eligibility Criteria

  • Vintage: Minimum 2 years of continuous business operations
  • Turnover: Minimum annual business turnover starting from ₹40 Lakhs
  • Profitability: Enterprise must demonstrate a consistent profit track record over the last 2 years
  • Credit Score: Business owner CIBIL score of 700 or above with clean repayment history

Required Documents

  • KYC Documents of the Business Owner/Directors (PAN, [Aadhaar Redacted], Passport)
  • Business Proof (GST registration, Trade License, Partnership Deed, or Incorporation Certificate)
  • Financial Statements (Audited balance sheet and profit/loss statement for last 2 years)
  • Tax Returns (Last 2 years' Income Tax Returns with computation of income)
  • Bank Statements (Last 6 months current account statements)

Frequently Asked Questions

Q1Do I need to pledge collateral to secure a business loan?

No, KalyaniFinance business loans are completely unsecured, meaning you do not need to mortgage commercial or personal property.

Q2What is the minimum vintage required for my business to apply?

Your business must have a minimum operational vintage of 2 years with steady revenue streams.

Q3How soon can I expect the funds to be credited after approval?

Once final verification and documentation are completed, funds are typically disbursed to your business account within 24 hours.

Grow Without Limits

Connect with our business loan specialists for unsecured funding tailored to your cash flow.

100% Unsecured & Paperless
Funds in 24 Hours
Dedicated RM Support
Revenue-Based Eligibility
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No collateral • No hidden charges

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