Business Finance and SME Business Loans Company in Coimbatore

Business Finance

Often startup businesses and SMEs seek some degree of funding. Arranging business finance is a hassle-free process now. Adhiban supports businesses seeking short term or long term funds with adequate and timely support. We offer flexible tenures right from day one at competitive interest rates.
We better understand that managing financial health is one of the vital components of your business. Not only do you require to manage daily cash flow but also arrange for sufficient funds for inventories, receivables, expansions or to tackle an unplanned exigency.
Adhiban provides you customised SME Business Loans to meet your evolving financial requirements that could make a major difference to your profitability. Getting a business loan is never so easy.

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Finance Amount
Up to Rs. 10 crores

Margin requirement
Depends on customer profile

Tenure
Up to 5 years

Security
Normally asset cover of 1.5 times

Eligibility
- SME loans are offered to companies / partnership firms in select sectors such as automobiles, auto-ancillary and food and agri-processing.
- The company/firm must be in business for at least 3 years with profit in the last audited financial year

Documents required for availing Project Finance
- Company profile including existing product range
- Promoter profile including KYC details
- Purpose of the loan
- Security offered
- Audited balance sheets of the last 3 years

How do I know whether I'm eligible for a Business Finance?
- You may reach us at +91 98430 77088 during Mon - Sat: 9:00AM - 6:00PM.
- You may also email your queries to adhibanchitfunds@gmail.com.

What is the maximum amount of Business Loan that I can avail?
- The quantum of your project loan is determined based on your business need, credit assessment and repayment capacity. However, it is limited to Rs. 10 crores.

What is the security/collateral acceptable for my Business Loan?
- A wide range of securities could be accepted, including plant, machinery & equipment; land & real estate properties; Fixed Deposits, Deposit Certificates, National Savings Certificates (NSC); Kisan Vikas Patra (KVP); Securities issued by Central as well as State Governments, Gold certificates; life insurance policies; and other valid financial instruments.

What is the time duration to get the business loan?
- The project loan will be processed within 30 working days provided everything is in order.

How should I repay my business loan?
- You have the flexibility of opting for Equated Installment, Ballooning Repayment or Bullet Repayment (depending upon the needs of your business). Post Dated Cheques (PDCs), Electronic Clearing System (ECS), or Electronic Transfers are all accepted means of payment.

Is it possible to prepay the Business loan?
- Yes, you could be able to prepay the business loan. Foreclosure charges of 2% shall be applicable on the principle outstanding.

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