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Join Thousands of SMEs who avail Working Capital Loans on India's largest B2B 'Buying Club'

Grow your business with FinanSME

Working Capital Loan

In order to ease pressure on cash flow and facilitate smooth running of business, FinanSME helps provide Working Capital Loan facility to its partner SMEs. Our Bill Finance facility plugs in the mismatches in the cash flow and relieves the SMEs from worries on commitments.

Our strong accreditation process ensures that all of your transactional history is recorded with us and then reported back to our Financial Institution partners. This ensures availability of the SME’s transactional data with Power2SME and helps reduce the processing cycle time for the loan significantly, once all necessary documents have been submitted and approved.

We aim to effectively partner with SMEs at every step in their journey and help them enhance productivity by multifold. We look to engage with them to understand your working capital needs and growth plans well, so we can ascertain and provide the appropriate working capital they need for their growth

Discounting of bills up to original
tenure of 120 days
Lending rate of as low as 14.5%* p.a
Collateral free loans
Benefits of a Robust Ecosystem

Benefits For SMEs

  • Better pricing hence improved margins.
  • Improved access to credit / NBFC financing.
  • Transparency, timely & reliable procurement

Benefits For Suppliers

  • A fillip to institutional sales with no opportunity cost.
  • Increased volumes, enhanced geographical reach & market penetration.
  • On-time payment.
Eligibility Check
3 years continuity in business
3 years financials,
6 months Bank Statements
KYC of both the Individual and the Organisation

Congratulations

You are eligible to apply for a Working Capital Loan

Required Documents
PAN Card Company

Proprietor/Partners/Directors (As applicable)
MoA/AoA
GST Registration certificate
Address Proof Company (Latest copy of Electricity bill, Landline Phone bill)

Key Persons Adhaar Card
Bank Statement All running accounts of the company for last six months (In PDF format as downloaded from net banking)
Audited B/S AY 2016-2017 (ITR, form 3CD, form 3CB, Balance Sheet and P&L and Trading account, All schedules, Notes to accounts, Auditors report and Director's report)

AY 2017-2018 (ITR, form 3CD, form 3CB, Balance Sheet and P&L and Trading account, All schedules, Notes to accounts, Auditors report and Director's report)

AY 2018-2019 (ITR, form 3CD, form 3CB, Balance Sheet and P&L and Trading account, All schedules, Notes to accounts, Auditors report and Director's report)
ITR All Directors/Partners for last two Financial Years
VAT Returns 1st April' 2016 till 30th June’ 2017 and GST returns (as filed till date)
Latest List of Directors & Shareholders On the letter head of the company
Sanction letter (All loans) CC/OD limits and all term loans from Banks and NBFC's
Top 3 clients On letter head mentioning Name of the company, contact person, contact no:, Annual business volume and years of association
Top 3 suppliers On letter head mentioning Name of the company, contact person, contact no:, Annual business volume and years of association
Month wise sales From 1st April' 2017 till date (On letter head)