Core Assessment Areas
- Business vintage and continuity
- Reported turnover and profitability
- Cash flow and banking conduct
- Tax and GST filings where applicable
- Existing facilities and repayment record
- Promoter and entity credit profiles
Cash Flow and Repayment Capacity
Lenders assess whether normal business cash generation can support existing and proposed repayments. Turnover alone may not show available repayment capacity.
Business Vintage and Sector
A lender may apply minimum operating-history and sector rules. These vary and should be checked against the actual business rather than assumed.
Secured and Unsecured Eligibility
Secured applications add collateral ownership, valuation and legal checks. Unsecured applications often place greater emphasis on cash flow and credit.
Application Readiness
- Reconcile banking, GST and tax records
- List all existing obligations
- State the purpose and required amount clearly
- Keep entity documents current
- Avoid unsupported turnover or approval claims
Frequently Asked Questions
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Continue to ApplicationImportant: Final eligibility, approval, interest rate, loan amount, fees, tenure and other terms are determined by the selected bank or NBFC based on the applicant profile and applicable lender policy.