Grow Your Business Without Collateral Barriers
First Capital supports growth and expansion for MSMEs, traders, retail merchants, and professional firms. Our Business Loan program offers collateral-free funding up to ₹1 Crore. We evaluate loan approvals based on your corporate financial history and regular cash-flow cycles, rather than strictly relying on security assets.
Whether you require working capital to manage raw materials, cash to purchase high-capacity machinery, or a quick boost to open branches in new regions, our expert advisors help structure interest cycles comfortably to align with your seasonal billing schedules.
Eligibility Criteria
Verify your firm's basic eligibility parameters below to ensure quick digital pre-approval processing:
| Criteria | Requirement |
|---|---|
| Business Vintage | Minimum 2 years of active operation under the same entity name |
| Entity Registration | Proprietorship, Partnership, LLC, or Private Limited Firm |
| Minimum Annual Turnover | ₹15 Lakhs audited yearly revenue |
| Financial Health | GST registered with consecutive quarterly returns filed |
| Promoter Credit Score | Min 680 with no defaults in the last 12 months |
Frequently Asked Questions (FAQs)
No, First Capital offers collateral-free corporate loans. Loans are approved based on operational turnover history, bank statement consistency, and GST filings.
Repayment tenures range from 1 year up to 5 years (60 months) with flexible payment cycles structured around your trade cycles.
Yes, proprietorship firms with active business registration (Trade License, GST, MSME Certificate) are fully eligible to apply for business funding.