Fuel Your Growth.
Preserve Your Equity.
Unsecured working capital, overdrafts, and equipment financing tailored for Indian MSMEs and Corporates.
Scale Faster with
Smart Capital.
We aggregate customized corporate credit lines up to ₹5 Crores. From Dropline Overdrafts to Term Loans, our financial architects match your balance sheet with the right lending institution.
Subject to complete GST and ITR documentation submission.
Comprehensive Credit Facilities
We do not just offer "Business Loans". We provide specific financial instruments to solve your operational bottlenecks.
Unsecured Term Loan
Most PopularA lump-sum capital injection repaid over fixed monthly EMIs (12 to 60 months). Ideal for capacity expansion, marketing budgets, or opening a new branch without collateral.
Cash Credit / Overdraft (OD)
RevolvingA dynamic limit assigned to your current account. You only pay interest on the amount you withdraw, for the exact number of days you use it. Perfect for managing daily working capital.
Machinery & Equipment Finance
Asset BackedFunding up to 85% of the machinery's value. The equipment itself serves as collateral. Essential for manufacturing, printing, medical, and heavy industrial sectors.
Professional Loans
Low RatesHighly subsidized, collateral-free loans specifically designed for certified Doctors (MBBS/MD), Chartered Accountants (CA), and Company Secretaries (CS).
Industries We Empower.
We understand that a textile manufacturer has different cash flow needs than an IT consultancy. We partner with banks that favor your specific sector.
Manufacturing
Perfect for raw material procurement, plant setup, and CNC/lathe machinery financing.
Healthcare
Subsidized capital for clinic expansion, hospital setups, and advanced medical equipment.
Retail & Trading
Overdraft facilities to manage bulk inventory purchases and seasonal demand spikes.
IT & Services
Unsecured term loans to hire talent, expand office infrastructure, and fund marketing.
The Underwriting DNA
Unlike retail loans, business approvals depend heavily on your balance sheet health. Here is what our partner banks evaluate.
DSCR > 1.25
Debt Service Coverage Ratio ensures your net operating income can comfortably cover the new EMI.
Turnover Growth
Banks look for a minimum Year-over-Year (YoY) revenue growth of 10-15% in your audited financials.
Positive Net Worth
Your business assets must exceed liabilities. Continuous cash losses in the last 2 years lead to rejections.
ABB Assessment
Average Bank Balance (ABB) over the last 12 months is checked to verify liquidity and cheque bouncing history.
Corporate Documentation.
We ensure your file is 'Right First Time' to avoid unnecessary credit queries.
Private Limited / LLP
For registered corporate entities and partnerships.
- Certificate of Incorporation, MOA & AOA / Partnership Deed.
- Company PAN & KYC of all Directors/Partners.
- Audited Financials (Last 3 Yrs): Balance Sheet, P&L, Schedules, and Tax Audit Report (Form 3CB-3CD).
- Banking: Last 12 Months Current A/C statements of all operating accounts.
- Taxation: Last 12 Months GST Returns (GSTR-3B & GSTR-1).
- Board Resolution authorizing the loan borrowing.
- Latest Shareholding Pattern (certified by CA/CS).
Proprietorship & Professionals
For Sole Proprietors, Traders, and Certified Consultants.
- Applicant PAN & Aadhaar Card.
- Business Proof (Any 2): GST Certificate, Udyam Aadhar, Gumasta License, or Utility Bill.
- Financials: Last 3 Years ITR (ITR-3 or ITR-4) with Computation of Income.
- Banking: Last 12 Months Bank Statement (Current & Savings Account).
- Ongoing Loan Sanction Letters & Track Records (if any).
- Professional Degree Certificate & Practice Registration (For Doctors/CAs).
Why Smart Founders Choose Us.
We don't just pass your file to a bank. We act as your outsourced CFO, structuring your debt to ensure you get the absolute lowest interest rate in the market.
- 🧑💼
Dedicated Relationship Manager
A single senior financial expert handles your case from document collection to final disbursal. No bouncing between call centers.
- 🔀
Parallel Bank Login
We pitch your business profile to 3-4 top lenders simultaneously (like HDFC, Axis, and Kotak) to create competition and lower your ROI.
- 🚫
Zero Hidden Advisory Fees
We are direct channel partners. You pay absolutely zero upfront consultation fees to us. 100% transparency guaranteed.
Approval Rate
For eligible MSMEs. Because we pre-screen your financials using internal banking scorecards before submission, our rejection rates are near zero.
Term Loan Forecaster
Calculate the impact of capital injection on your monthly cash flow.
Initiate Your
Application.
Submit your basic business metrics. Our corporate relationship manager will contact you to structure the exact facility you need.
Request Logged
Connecting you to our Corporate Desk...
Corporate Q&A
Corporate Lending Partners.
One step for multiple services. We have strategic tie-ups with India's most trusted Banks and NBFCs to ensure your business loan gets sanctioned seamlessly.
