What are the core eligibility criteria for an unsecured business loan?

Unsecured business loans generally require a minimum business operational vintage of 2 to 3 years, annual turnover exceeding ₹40 Lakhs with healthy banking credits, positive net profit/operating EBITDA, and a promoter CIBIL score of 700 or above.

How does Debt Service Coverage Ratio (DSCR) impact loan eligibility?

DSCR measures a company's ability to service its debt payments from operating cash flow. Lenders typically look for a DSCR of 1.25x to 1.5x or higher to ensure the business can comfortably service existing and proposed debt obligations.

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What is your business constitution?

Select the statutory legal entity under which your business operates.

Private Limited (Pvt Ltd) Incorporated under Companies Act

Limited Liability Partnership Registered LLP entity

Sole Proprietorship Individual enterprise / GST firm

Partnership Firm Registered / Unregistered deed

What is your primary capital requirement?

Select the operational purpose for raising funds.

Working Capital (CC/OD) Managing day-to-day liquidity

Business Expansion Loan Scaling infrastructure & branches

Machinery & Equipment Plant tooling & capital assets

MSME / CGTMSE Scheme Collateral-free government credit

Startup Seed / Growth Capital Early stage debt & venture preparation

Project Finance (CAPEX) Large scale industrial syndication

What amount of capital do you require?

Select your targeted financing quantum.

₹10 Lakh – ₹25 Lakh Micro business lines

₹25 Lakh – ₹50 Lakh Small enterprise growth

₹50 Lakh – ₹1 Crore Medium scale capital

₹1 Crore – ₹5 Crore Expansion & machinery

₹5 Crore – ₹25 Crore+ Institutional syndication

How long has your business been operational?

Vintage is a key parameter for bank debt qualification.

Under 1 Year Early stage / Startup

1 to 3 Years Establishing market traction

3 to 5 Years Mature operational history

5+ Years Established enterprise

What is your approximate annual turnover?

Based on your last Financial Year (FY) GST / ITR filings.

Under ₹50 Lakh Micro enterprise

₹50 Lakh – ₹2 Crore Small enterprise bracket

₹2 Crore – ₹10 Crore Medium corporate bracket

Above ₹10 Crore Mid-market / Large corporate

Do you possess collateral security?

Collateral helps unlock higher credit limits and lower interest pricing.

Commercial / Industrial Property Factory land, office, warehouse

Residential Property House, apartment, self-owned

Machinery / Equipment Primary asset hypothecation

No Collateral Available Seeking CGTMSE / Unsecured

Where should we send your preliminary assessment?

Our corporate advisory desk will review these parameters and provide structured guidance.

Founder / Authorized Name *

Official Mobile / WhatsApp Number *

Corporate Email Address *

City / State of Operations *

Compliance & Data Notice: By submitting this assessment, you consent to receiving confidential advisory correspondence from FundingBridge Business Solution Private Limited. Your data is strictly protected. Preliminary eligibility assessments are indicative; formal sanctions depend entirely on statutory lender underwriting.

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