Questions, answered

No. Loan2Business helps businesses and individuals explore finance options with partner banks and NBFCs. The lender you apply with assesses your application and makes the decision.

1. Share your requirement: Tell us the amount, purpose and how your business earns and repays. 2. Explore the structure: We map facilities that fit your cash cycle and explain the documentation involved. 3. Apply with a partner lender: Continue through the application portal. The lender assesses and decides.

You can explore this website without uploading documents. Documents are only requested once you continue through the application portal.

Indicative planning estimate. This is not a lending offer or eligibility decision. Final assessment, definitions, margins, pricing and charges are lender-specific. The calculators run in your browser and nothing you enter is sent to us.

We have offices in Mumbai and Pune, and work with businesses across India by phone, WhatsApp and online.

Call or WhatsApp us on +91 90909 93939, or use the enquiry form at the end of any page and a funding specialist will contact you.

Working Capital Finance is business funding intended to support short-term operational requirements such as inventory purchases, supplier payments, salaries and other recurring expenses.

Yes. Inventory and raw material purchases are common uses, subject to lender terms and permitted end-use conditions.

Not always. Working capital facilities may be secured or unsecured depending on the product, lender and applicant profile.

The eligible amount depends on your turnover, cash flow, banking history, existing obligations, financial performance and lender assessment.

Yes. Eligible MSMEs can explore various working-capital facilities subject to lender criteria.

Unsecured business loans generally do not require traditional property collateral, although lender conditions may vary.

Common uses include working capital, inventory, expansion, renovation, equipment and marketing.

Turnover, profitability, cash flow, business vintage, credit history and existing obligations are commonly assessed.

Yes, subject to the particular lender's eligibility requirements.

Credit history is generally an important consideration, although lenders assess the entire borrower profile.

Yes. Financing for new machinery is commonly available subject to equipment and borrower eligibility.

Some lenders may finance eligible used machinery subject to age, valuation, condition and lender policy.

Requirements vary. Some facilities may primarily rely on the machinery being financed, while others may require additional security.

Financing may be available depending on promoter profile, project viability, contribution, business plan and lender policy.

Certain lenders may consider eligible ancillary costs as part of the project, subject to their policies.

CGTMSE is a credit guarantee mechanism. Loans are sanctioned by eligible lending institutions according to their credit policies and applicable scheme rules.

Eligible credit facilities may qualify for guarantee coverage without traditional collateral, subject to scheme guidelines and lender assessment.

Potentially, if the enterprise and proposed facility meet applicable eligibility requirements.

No. Loan sanction remains at the discretion of the lender after credit assessment.

Eligible term-loan and working-capital requirements may be considered depending on lender and scheme guidelines.

It is financing intended to support eligible purchases made against supplier invoices.

The payment mechanism depends on the lender and transaction structure. In some arrangements, funds may be paid directly toward the approved supplier transaction.

Yes, eligible raw-material purchases may be considered.

No. Lenders assess the buyer, supplier, transaction, invoice authenticity and other criteria.

It can help preserve internal funds that would otherwise be immediately used for supplier payments.

Eligibility depends on the buyer, transaction, invoice age, payment terms and lender policies.

Not necessarily, although the strength and creditworthiness of the buyer can influence eligibility.

It allows eligible businesses to access funding before the normal invoice due date.

No. Invoice finance is typically linked to eligible receivables or underlying transactions.

This may be possible depending on the facility structure and lender assessment.

It is financing against eligible outstanding trade receivables or invoices.

The primary basis may be eligible receivables, but additional security requirements depend on lender and facility structure.

Repayment and settlement occur according to the agreed invoice-financing arrangement.

No. Lenders assess the buyer, invoice, transaction, ageing and other risk factors.

Revolving or ongoing facilities may be available for qualifying businesses.

Vendor Finance is financing designed around transactions between suppliers and their buyers.

Both vendors and anchor buyers may benefit through stronger liquidity and a more stable supply chain.

Certain structures may require invoice or transaction confirmation by the buyer.

Yes, subject to lender and transaction eligibility.

This may be available depending on the program structure.

Dealer Finance provides eligible channel partners with financing for purchases from manufacturers or anchor businesses.

The settlement structure depends on the finance program and lender.

Yes, funding inventory purchases is one of its primary uses.

Not necessarily. Eligibility depends on lender program rules and dealer financial strength.

Structured dealer finance programs may be created for eligible networks, subject to lender assessment.

Inventory Finance provides funding linked to eligible stock, goods or raw-material requirements.

Yes, seasonal procurement may be an eligible purpose depending on lender policy.

Eligible manufacturing raw materials may be considered.

Certain structures may involve inventory as part of the lender's security or monitoring framework.

Working-capital-style revolving structures may be available depending on the lender and facility.

Import Finance can help eligible businesses fund purchases of goods or materials from overseas suppliers.

Export Finance supports eligible exporters before or after shipment depending on the facility structure.

Certain export receivables may be eligible, subject to lender and regulatory conditions.

Where required under applicable law or transaction type, relevant registrations and regulatory documentation must be available.

Trade finance and foreign-exchange risk management are separate matters. Businesses should discuss suitable arrangements with their authorized bank or financial adviser.

It is financing where eligible stored commodities and related warehouse documentation form an important part of the transaction and security structure.

Lenders generally have specific requirements regarding acceptable warehouses and storage arrangements.

Eligibility depends on the lending institution, applicant structure, commodity and applicable program requirements.

Eligible funding generally depends on commodity value, applicable margin, price volatility, quality, storage and lender policy.

Lenders may require margins or other risk-management measures. Specific terms depend on the financing agreement.

Release and sale procedures generally require compliance with the lender's agreed repayment and security arrangements.

A Loan Against Property is a secured loan where eligible property is offered as collateral to obtain financing.

Depending on lender policy, residential, commercial and certain industrial properties may be considered.

Yes, business expansion is a common permitted use, subject to the lender's end-use policies.

Lenders consider property valuation, borrower income, repayment capacity, existing obligations, credit history and other factors.

Typically, no. The borrower generally continues to use the property while it remains mortgaged to the lender, subject to facility terms.

Loan eligibility depends on income, repayment capacity, age, credit profile, existing obligations and property value.

Yes. Eligible professionals and business owners can apply subject to income and documentation requirements.

Many lenders permit eligible co-applicants, depending on their policies.

Balance transfer facilities may be available subject to lender eligibility and commercial viability.

Yes. The lender typically conducts legal and technical assessment of the property.

Personal Loans are generally unsecured and therefore typically do not require property collateral.

Eligibility depends on income, existing obligations, credit profile and lender assessment.

Some lenders offer Personal Loans to eligible self-employed applicants.

Medical and other permitted personal expenses are commonly considered acceptable end uses.

Rates depend on the lender, credit profile, income, loan amount, tenure and other risk factors.