Flexible Funding for Temporary Capital Needs
Manage unexpected cash-flow gaps, bridge trade inventory cycles, or secure urgent finance with First Capital's Short Term Loans. Structured specifically for business owners, traders, and service providers who need immediate funding without long-term commitment overheads, this program provides flexible tenures ranging between 12 to 24 months.
Unlike traditional institutional loans that lock you into years of interest obligations, our short-term financing offers structured, shorter repayment cycles, ensuring you can quickly repay and keep your business debt-free as soon as your receivables clear.
Eligibility Criteria
Check the basic operational parameters required for a quick short-term credit evaluation:
| Criteria | Requirement |
|---|---|
| Business Type | Retailers, wholesalers, MSMEs, contractors, and service agencies |
| Active Operations | Minimum 1 year of active trade history |
| Minimum Monthly Turnover | ₹1 Lakh average monthly account credits |
| Banking History | Clean account statements with low check bounce records |
| Promoter Credit Profile | Score of 650+ (co-signer option supported if score is lower) |
Frequently Asked Questions (FAQs)
Short Term Loans are designed for quick cycle resolution. Repayment tenures are highly customizable, ranging from 6 months up to a maximum of 2 years (24 months).
Because eligibility evaluation is streamlined, disbursals are extremely fast. Most short-term loans are credited within 4 to 8 business hours after complete document upload.
Yes, we can bridge financing against verified purchase orders or cleared business bills under our invoice discounting short-term loan options.