Business Loan Services

Working Capital

Expand Commercial Scale with Top-tier Corporate Loans

Sangeetha Associates supports startups, traders, wholesalers, manufacturers, and professional practitioners to secure working capital and capital expenditure funding. We facilitate unsecured loans, Cash Credit (CC) limits, and Overdraft (OD) limit applications to optimize liquidity and cash flows.

Cash Credit (CC) Limit

Secured working capital limit evaluated based on the business raw material stock holdings and receivable books.

Overdraft (OD) Setup

Access flexi funds linked to your business account. Pay interest values solely on the absolute cash withdrawn, not the total limit sanctioned.

Key Features of Business Funding

Feature Details
Unsecured Limit Up to ₹50 Lakhs based on turnover metrics
Tenure 1 to 5 Years (Unsecured) / Annual Renewals (CC & OD limits)
Interest Rates Competitive interest rates starting from 9.50% onwards
MSME Perks Subsidized interest rates and fee waivers on government schemes

Document Checklist

Business Documents Checklist
  • Aadhaar Card and PAN Card of all partners/directors
  • MSME Udyam Registration & GST Registration certificates
  • GST Returns filed for the past 1 Year (GSTR-3B & GSTR-1)
  • Bank Statements for the last 6 months (All current accounts)
  • Income Tax Returns (ITR) with audit reports (Past 3 Years)
  • Partnership deed / Memorandum of Association (MoA) copy

Business Loan Enquiry

Compare CC, OD, & term loan structures.