Answers To Your Common Funding Questions

A Working Capital loan funds your business's day-to-day operational needs — purchasing stock/inventory, paying suppliers, staff salaries, or GST and utility bills. It's not for long-term investment; it's designed to keep your business's daily cash flow running smoothly.

Cash Credit is a revolving limit — the bank sanctions you a maximum limit (say ₹20 lakh), and you're charged interest only on the amount you actually use. As you repay, that limit becomes available again — much like an overdraft. A regular loan, by contrast, disburses the full amount upfront with a fixed EMI schedule.

Yes — this is exactly what CC is built for. Draw on the limit to stock up before your peak season, then repay it once collections come in. During the off-season, you're not paying interest on the full sanctioned amount — only on what you've actually used.

Most CC limits are sanctioned against stock and receivables (book debts) — through hypothecation — which reduces the need for property collateral. For larger limits, some lenders may ask for additional security, but this depends on the bank/NBFC and the limit size.

Interest is charged only on the amount utilized, and only for the number of days it's used (daily reducing balance basis). If you have a ₹20 lakh limit but use ₹5 lakh for 10 days, interest applies only to that ₹5 lakh for those 10 days — the remaining ₹15 lakh of unused limit isn't charged.

Yes. If you have proper stock records, GST returns, and bank statements that reflect genuine business cash flow, new businesses are eligible too. An existing track record makes approval smoother, but it isn't mandatory.

Yes — these are among the most important documents lenders use to assess your actual turnover and business health. Regular, up-to-date GST filing leads to faster approvals and typically a better sanctioned limit.

This depends on your annual turnover, stock levels, and receivables — typically calculated as a percentage of turnover. Every business case is different, so an exact figure can only be given after reviewing your documents.

Yes, CC limits are generally renewed annually — the bank reviews your latest financials/GST filings and continues, increases, or adjusts your limit accordingly. This is a standard, routine process.

No, Project Funding India does not charge any upfront fee.

We assess your turnover, stock cycle, and cash flow pattern, then match you to the bank/NBFC offering the best CC terms for your specific business type (trading, manufacturing, or services) — so you don't have to approach every lender yourself.

Term Loans generally range from 1 to 10 years depending on the purpose and asset being financed.

Rates depend on your credit profile, banking relationship and the lender's external benchmark rate (repo-linked EBLR) or MCLR at the time of sanction.

Most lenders allow prepayment, subject to applicable foreclosure charges as per the sanction letter.

Based on business turnover, repayment capacity, purpose of the loan, and the lender's credit policy.

No, Project Funding India does not charge any upfront fee.

We assess your requirement and match you with the lender best suited to your loan amount, purpose, and risk profile — ensuring faster approval and better terms.

A Corporate Loan is a financing facility designed for established companies to meet business needs such as expansion, working capital top-up, capital expenditure, debt consolidation, or acquisition-related funding.

Registered companies (private limited, public limited, LLPs) with a stable operating history, reasonable turnover, and demonstrable repayment capacity are typically eligible.

A Corporate Loan is broader in purpose and often larger in ticket size, structured around the overall financial strength and credit profile of the company rather than a single asset or short-term cash cycle.

Business expansion, capacity building, acquisitions, refinancing existing debt, capital investment, or general corporate purposes as approved by the lender.

This varies based on company size, turnover, and purpose — tenures generally range from 1 to 10 years, with the amount determined by financial strength and repayment capacity.

Depending on loan size and lender policy, Corporate Loans may be secured against company assets, or offered on an unsecured basis for companies with strong financials and credit ratings.

Audited financial statements (usually 2–3 years), ITR, GST returns, bank statements, company KYC/incorporation documents, and a note on end-use of funds.

Not always mandatory, but a good credit rating can improve approval chances and secure better interest rates. We help identify lenders suited to your rating profile, if applicable.

Based on turnover, profitability, existing debt obligations, cash flow strength, and the lender's credit assessment norms.

No, Project Funding India does not charge any upfront fee.

We assess your company's financial profile and funding requirement, then match you with the Bank/NBFC best positioned to offer competitive terms — saving you time and improving approval odds.

An Unsecured Business Loan provides funding without requiring any collateral or asset security — approval is based primarily on your business's financial strength, cash flow, and creditworthiness.

No property, machinery, or asset needs to be pledged. Because the lender takes on higher risk, unsecured loans typically come with a lower ticket size, shorter tenure, and slightly higher interest rates compared to secured loans.

Businesses with a stable operating history, healthy turnover, consistent bank statements, and a good credit score (business and/or promoter) are typically eligible.

Working capital needs, business expansion, purchasing inventory, managing short-term cash flow gaps, or other general business purposes.

Loan amounts are usually smaller than secured facilities, with tenures generally ranging from 1 to 5 years, depending on the lender and applicant profile.

Most lenders prefer a credit score of 700+ (business or promoter), though this varies by lender and the strength of other financial parameters.

KYC, bank statements (typically last 6–12 months), ITR, GST returns, and basic business proof — no property or asset documents are needed.

Based on monthly/annual turnover, average bank balance, existing debt obligations, and overall credit profile.

In many cases, yes — promoters/directors may need to provide a personal guarantee, even though no asset collateral is involved.

Since no collateral valuation is involved, approvals are typically faster than secured loans — often within a few days, subject to documentation and lender processing time.

No, Project Funding India does not charge any upfront fee.

We assess your business's cash flow and credit profile, then match you with the lender most likely to approve — and at the best possible terms — without unnecessary rejections or delays.

No. The bank or NBFC lends; CGTMSE guarantees a share of that loan against default. You still have to satisfy the lender that the business can service the borrowing — the guarantee removes the collateral problem, not the credit assessment.

Up to 85%, depending on the borrower category and the loan size, with the higher slabs reserved for micro enterprises, women-led units and units in specified regions. The exact slab in force is confirmed with the lender at sanction, because the Trust revises them.

An Annual Guarantee Fee (AGF), charged every year on the guaranteed amount at slab rates set by the Trust according to the loan size, with concessions for certain borrower categories. They are charged to you along with the lender's own interest, so a CGTMSE loan should be compared on total cost, not on the headline rate.

Both. Term loans and working-capital limits are eligible, and it is common to cover a composite facility. What matters is that the activity qualifies and the enterprise is registered as micro or small.

That is precisely the situation the scheme was created for. The absence of collateral is not a disqualification here — the business's own viability is what the case rests on.

No, Project Funding India does not charge any upfront fee.

We assess your eligibility, business profile, and funding requirement, then match you with the Member Lending Institution offering the most competitive rate and structure under the CGTMSE scheme.

A Project Loan finances a single, specific capital investment — such as a manufacturing plant, infrastructure asset, or large-scale expansion — and is repaid primarily from the cash flow that project generates. Unlike a general business loan, it isn't tied to your company's overall revenue; it's evaluated on the strength and viability of the project itself.

No. Project Funding India structures loans for both established businesses with a proven track record and new ventures where a track record isn't available. For new ventures, approval is based on the project's feasibility, projected cash flows, and sector potential rather than past financials.

Project Loans typically fund infrastructure development, manufacturing units, capital-intensive expansion, energy projects, and similar large-scale investments. If your project involves significant upfront capital with a clear revenue-generating outcome, it's likely eligible — reach out and we'll assess it.

Loan size depends on project scale, sector, projected cash flows, and the lender's risk appetite. We match each applicant to lenders suited to their funding requirement, so both mid-sized and large capital-intensive projects can be structured appropriately.

Repayment is usually aligned with the project's cash flow cycle — meaning EMIs or repayment schedules are structured around when the project starts generating revenue, not a fixed generic timeline. This is negotiated as part of the loan structuring process.

It depends on the lender and project risk profile. Some project loans are structured with the project's own assets or future cash flows as security, reducing the need for additional collateral. We help identify lenders whose collateral requirements match your situation.

Timelines vary by project complexity and documentation readiness, but our role is to pre-match you with the right lender upfront — which significantly reduces back-and-forth and speeds up approval compared to approaching lenders directly.

Common requirements include a detailed project report (DPR), cost and revenue projections, promoter/business KYC, and — for existing businesses — financial statements. For new ventures, a strong, realistic project report matters more than historical financials.

We evaluate your project's sector, risk profile, funding size, and stage, then match you to lenders — banks, NBFCs, or specialized project financiers — best suited to fund that specific kind of project, rather than a one-size-fits-all approach.

Click "Check Eligibility," share basic project details, and our team will guide you on the best-fit lender and structure for your project — no obligation, no upfront fees to explore.

A Machinery Loan is financing extended to purchase new or used machinery, equipment, or plant assets required for manufacturing, production, or business operations — with the machinery itself typically serving as primary security.

Manufacturers, MSMEs, and businesses across sectors like textiles, food processing, pharma, engineering, and packaging that need to acquire or upgrade machinery for operations or expansion.

Purchasing new machinery, upgrading existing equipment, buying second-hand/used machinery, or expanding production capacity.

Loan amount is usually a percentage of the machinery's invoice value (typically 75–90%), with tenures generally ranging from 3 to 7 years, depending on machinery type and lender policy.

The machinery being financed usually serves as primary security through hypothecation. Additional collateral may be required for higher loan amounts or based on the applicant's credit profile.

Yes, though an existing operational track record strengthens the application. New units can also qualify with a strong project report, quotations, and clear repayment capacity.

Yes, many lenders finance used machinery, subject to valuation, age of equipment, and residual life assessment by an approved valuer.

KYC, business financials/ITR, GST returns, bank statements, machinery quotation/proforma invoice, and business registration proof.

Based on the machinery's cost, the business's repayment capacity, turnover, existing liabilities, and the lender's credit assessment norms.

Timelines depend on documentation and machinery valuation (for used equipment); having accurate quotations and complete paperwork upfront significantly speeds up processing. Normally 7 to 10 working days, subject to lender policy and complete documentation.

No, Project Funding India does not charge any upfront fee.

We assess your machinery requirement, business profile, and repayment capacity, then match you with the lender offering the most competitive rate, tenure, and funding percentage for your specific equipment purchase.

Yes, in select cases, though lenders generally prefer builders with an established track record and may apply stricter terms for new builders.

Project approval and RERA registration, land title/ownership documents, approved building plans, cost estimates, projected sales/cash flow, and promoter KYC and financials.

Based on total project cost, land value, projected sales revenue, promoter contribution, and the lender's loan-to-cost/loan-to-value norms.

Yes, lenders typically require the promoter/developer to fund a portion of the project cost upfront (as equity), with the balance financed through Construction Finance.

Funds are released in tranches, tied to construction progress verified through site inspections or progress certificates — not as a single upfront amount.

Repayment is usually aligned with unit sales/collections from the project, or through a fixed tenure post-construction completion, depending on the lender and project structure.

Yes, the project land/property and, in some cases, additional security are typically taken as collateral, depending on loan size, developer profile and lender policy.

No, Project Funding India does not charge any upfront fee.

We evaluate your project's approvals, cost structure, and sales potential, then match you with lenders experienced in construction/real estate financing — ensuring the right structure, tranche schedule, and terms for your project.

Yes, in two ways: a balance transfer to another lender with a top-up, or a second charge where the existing lender permits it. Which one works depends on your current lender's terms and how much of the earlier loan is repaid.

No. Rented residential and commercial properties are commonly funded, and the rent itself can strengthen the case. Where the rent is the main repayment source, lease rental discounting is often the better structure.

Substantially, and the tenure is far longer. That is the whole reason to use one: the same requirement funded unsecured costs several percentage points more and has to be repaid in a fraction of the time.

Salaried individuals, self-employed professionals, and business owners who own a residential or commercial property and have a stable income or business turnover are generally eligible.

Business expansion, working capital, debt consolidation, education, medical expenses, or any other personal or business purpose — end-use is largely flexible compared to home loans.

Residential property, commercial property, or industrial property with clear title and ownership can typically be pledged, subject to the lender's approved property list and location norms.

Loan amount is usually a percentage of the property's market value (LTV), typically ranging from 50–70%, depending on property type, location, and lender policy.

LAP tenures generally range from 5 to 15 years, depending on the loan amount, applicant's age/business profile, and lender norms.

Yes, joint owners can apply, but all co-owners are typically required to be co-applicants or provide consent/guarantee as per the lender's policy.

Yes, self-employed applicants are eligible, subject to providing business financials, GST/ITR, and proof of stable income or turnover.

Interest rate depends on property type, LTV, applicant's credit score, income stability, and the lender's risk assessment.

No, Project Funding India does not charge any upfront fee.

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LRD is a loan facility where a property owner leases out a commercial property (office, retail, warehouse, etc.) and borrows against the future rental income from that lease — the lender discounts the expected rentals to determine the loan amount.

Owners of leased commercial properties — with a registered/valid lease agreement and a creditworthy tenant — such as landlords, developers, or businesses that have leased out owned commercial space.

Based on the net present value of future lease rentals, the remaining lease tenure, the tenant's credit profile, and the property's market value — lenders typically fund a percentage of this discounted rental value.

The leased property itself, along with an assignment of the lease rentals (rent is often routed through an escrow account to the lender), serves as the primary security.

Tenure is usually aligned with the remaining lease period, commonly ranging from 5 to 15 years, subject to lender policy and lease renewal terms.

EMIs are generally structured to be serviced from the rental income itself, making repayment self-sustaining as long as the lease and rental flow continue.

Lenders factor in lease renewal risk during appraisal; some loans include structuring safeguards (like a debt service reserve) to manage temporary vacancy or non-renewal situations.

Registered lease agreement, property title documents, tenant's financial/credit standing, rental receipts/bank statements, and owner's KYC and financials.

Yes — since repayment is tied to rental income, a financially strong, reputed tenant significantly improves loan eligibility and terms.

No, Project Funding India does not charge any upfront fee.

We evaluate your property, lease terms, and tenant profile, then match you with lenders experienced in LRD structuring — ensuring optimal loan value against your rental income.

School & Institution Funding is financing designed for educational institutions — schools, colleges, coaching centres, and training institutes — to fund infrastructure development, expansion, equipment, or working capital needs.

Registered educational trusts, societies, Section 8 companies, or private institutions with valid recognition/affiliation (state board, CBSE, ICSE, university, AICTE, etc.) and a stable operating history.

Construction or expansion of school/campus infrastructure, purchase of equipment and furniture, setting up labs/libraries, technology upgrades, or meeting operational working capital needs.

Loan amount depends on the institution's scale, infrastructure requirement, and revenue (fee collections); tenures generally range from 5 to 15 years, aligned with the nature of the investment.

Yes, typically the institution's land/property or other fixed assets are taken as security, depending on the loan amount and lender policy.

Trust/society registration documents, recognition/affiliation certificates, audited financial statements, fee collection records, land/property documents, and governing body KYC.

Repayment is usually structured around the institution's fee collection cycle (often aligned with academic terms), ensuring EMIs match natural cash flow patterns.

Yes, though an existing track record and stable fee collections strengthen the application. New institutions may need to demonstrate strong projections, promoter background, and adequate collateral.

Yes, valid and current recognition/affiliation is a key eligibility factor, as it directly impacts the institution's ability to operate, enrol students, and generate stable revenue.

Yes, financing is available for greenfield institution setup as well as expansion, renovation, or upgrade of existing campuses.

No, Project Funding India does not charge any upfront fee.

We evaluate the institution's financials, infrastructure plans, and revenue model, then match you with lenders experienced in education-sector financing — ensuring the right structure and terms for your institution's growth.

A Loan Against Shares lets you borrow funds by pledging your listed equity shares, mutual funds, or bonds as collateral — without having to sell your investments.

The loan amount is based on the market value of the pledged shares, subject to a loan-to-value (LTV) ratio set by the lender — typically higher for large-cap/blue-chip stocks and lower for volatile or small-cap stocks.

Individuals or businesses holding shares, mutual funds, or bonds in a demat account, meeting the lender's minimum portfolio value and eligible securities criteria.

No, you remain the legal owner and continue to receive dividends and corporate benefits — the shares are only marked as a lien in favour of the lender, not transferred.

Business needs, working capital, personal expenses, or investment purposes — usage is generally flexible, subject to the lender's end-use policy.

If the value of pledged shares drops below the required margin, the lender may issue a margin call asking you to pledge additional shares or repay part of the loan; failure to do so can lead to partial liquidation of the pledged shares.

LAS is usually offered as an overdraft/revolving facility, similar to Cash Credit — interest is charged only on the amount utilized, with flexible repayment and periodic renewal.

Only lender-approved securities qualify — typically listed, liquid, large and mid-cap stocks, select mutual funds, and bonds; illiquid or highly volatile stocks are usually excluded.

KYC, demat account statement/holding details, and a simple loan application — no income proof or financial statements are typically needed, since the shares themselves are the primary basis for approval.

Interest is charged only on the utilized amount and for the number of days used — similar to a Cash Credit facility, making it cost-efficient if funds aren't needed continuously.

No, Project Funding India does not charge any upfront fee.

We evaluate your share portfolio and funding requirement, then match you with the lender offering the best LTV, interest rate, and flexibility for your specific holdings.

A Housing Loan is financing provided to purchase, construct, or renovate a residential property — repaid over a fixed tenure through EMIs, with the property itself typically serving as security.

Salaried individuals, self-employed professionals, and business owners with stable income, a reasonable credit score, and the required documentation are generally eligible.

Purchase of a new or resale property, construction on owned land, home renovation/extension, or balance transfer of an existing home loan.

Loan amount is usually a percentage of the property value (based on LTV norms), with tenures ranging up to 20–30 years, depending on the applicant's age, income, and lender policy.

Typically up to 75–90% of the property value, depending on the loan amount, property type, and lender norms — the remaining portion is funded by the applicant as down payment.

KYC, income proof (salary slips/ITR), bank statements, property documents (title deed, approved plan, NOC), and processing forms as per the lender's checklist.

Yes, the property being purchased or constructed is mortgaged with the lender as primary security for the loan.

Yes, self-employed applicants are eligible, subject to providing business financials, ITR, and proof of stable income/turnover as required by the lender.

Income, credit score, age, existing liabilities, property value/location, and the lender's internal policy all influence eligibility and the rate offered.

Yes, Housing Loans offer tax benefits on both principal repayment and interest paid, under applicable provisions of the Income Tax Act — we recommend confirming exact benefits with your tax advisor.

Yes, a Balance Transfer allows you to shift your existing loan to a lender offering a lower interest rate or better terms, potentially reducing your overall interest outgo.

No, Project Funding India does not charge any upfront fee.

We assess your income profile, property details, and eligibility, then match you with the lender offering the most competitive interest rate, LTV, and tenure for your situation.

A Performance Guarantee assures completion of contractual obligations, while a Financial Guarantee assures payment of a financial obligation if the applicant defaults.

Contractors and vendors bidding for government, PSU or large corporate tenders are most commonly required to submit one.

Your guarantee type, banking track record and overall financial position determine the limit, security and margin required.

Typically, a margin amount (a percentage of the guarantee value, in cash or as a fixed deposit), business KYC, financial statements, and details of the underlying contract or tender.

Depending on the bank's policy and the applicant's credit profile, a Bank Guarantee may require full or partial margin/collateral, or be extended against an existing credit limit for well-rated businesses.

Validity is aligned with the underlying contract or tender requirement — commonly ranging from a few months to a few years, with provision for extension if needed.

If the beneficiary invokes the guarantee due to non-performance or default, the bank pays the beneficiary and subsequently recovers that amount from the applicant, along with applicable charges.

Banks typically charge a commission (a percentage of the guarantee amount per annum), in addition to any margin or processing charges — rates vary by bank and applicant's credit profile.

Timelines depend on documentation readiness and the bank's internal process; having an existing relationship or credit limit with the bank significantly speeds up issuance.

No, Project Funding India does not charge any upfront fee.

We assess your guarantee requirement and business profile, then match you with the bank offering the most competitive margin, commission rate, and turnaround time for your specific need.

A Letter of Credit is a bank's written commitment on behalf of a buyer, guaranteeing that the seller will receive payment once the agreed terms and conditions — typically shipment or delivery documents — are met. It's widely used to reduce payment risk in trade transactions.

Importers and exporters, traders, and businesses engaged in domestic or international trade where the buyer and seller don't have an established trust relationship and want payment security.

The main types include Sight LC (payment on presentation of documents), Usance LC (payment after a fixed credit period), and Revolving LC (renews automatically for recurring transactions), among others like Standby LC.

An LC is primarily a payment mechanism used in trade transactions and is expected to be invoked in the normal course of business. A Bank Guarantee, by contrast, is a contingency assurance — invoked only if the applicant defaults on their obligation.

Business KYC, financial statements, details of the trade transaction/purchase order, and a margin amount (percentage of LC value) as required by the bank.

Depending on the applicant's credit profile and the bank's policy, an LC may require partial/full margin, collateral, or be issued against an existing credit limit for established businesses.

Validity depends on the trade cycle — Sight LCs are settled immediately on document presentation, while Usance LCs typically offer 30 to 180 days of credit period, based on the agreed contract terms.

Commonly required documents include the invoice, bill of lading/transport document, packing list, and any other documents specified in the LC terms — these must match exactly for the LC to be honored.

Any mismatch (known as a "discrepancy") can lead to payment delay or rejection until resolved or waived by the buyer — making accurate documentation critical.

Banks typically charge an issuance commission (based on LC value and tenure), along with margin and processing charges — rates vary by bank and applicant's credit profile.

No, Project Funding India does not charge any upfront fee.

We assess your trade requirement and business profile, then match you with the bank offering the most competitive LC terms, margin requirement, and processing turnaround for your transaction.

ECB refers to loans raised by eligible Indian entities from recognized overseas lenders — such as foreign banks, financial institutions, or overseas group companies — to fund business needs, subject to RBI/FEMA guidelines.

Eligible borrowers typically include companies in manufacturing, infrastructure, and select service sectors, along with NBFCs, SIDBI, EXIM Bank, and other entities as permitted under the RBI's ECB framework.

Common permitted end-uses include capital expenditure, import of capital goods, working capital (for specific sectors), refinancing of existing ECBs, and overseas investment — subject to end-use restrictions under RBI guidelines. Certain uses, like general corporate purposes or real estate, are restricted or conditional.

Recognized lenders generally include international banks, foreign equity holders, multilateral/regional financial institutions, overseas long-term investors, and foreign group companies, as specified under RBI's ECB norms.

ECB can be raised via the Automatic Route (no prior RBI approval needed, subject to compliance with prescribed parameters) or the Approval Route (requires specific RBI approval for cases falling outside standard parameters).

RBI prescribes a minimum average maturity period depending on the loan amount and end-use — this ensures ECBs are used for medium/long-term needs rather than short-term funding gaps. Exact tenure norms should be confirmed as per the latest RBI circular.

Yes, RBI prescribes borrowing limits under the automatic route, beyond which approval route applies. Limits and applicable caps are periodically updated by RBI.

ECBs can be raised in foreign currency or Indian Rupees, with interest rate ceilings (linked to a benchmark rate plus spread) as prescribed by RBI from time to time.

For certain categories of borrowers and tenures, RBI mandates hedging of currency risk to protect against exchange rate fluctuations — applicability depends on borrower type and loan tenure.

Borrowers must obtain a Loan Registration Number (LRN) from RBI, file Form ECB, and submit periodic reporting (ECB-2 returns) through an Authorised Dealer (AD) bank.

Timelines vary based on route (automatic vs. approval), lender readiness, and documentation completeness — professional structuring and AD bank coordination significantly streamline the process.

No, Project Funding India does not charge any upfront fee.

We help evaluate ECB eligibility, structure the borrowing in line with RBI/FEMA guidelines, and connect you with recognised overseas lenders — while coordinating with your AD bank for compliant execution.

Export Finance is bank credit given to exporters to fund an export order — before shipment (packing credit) to buy, make and pack the goods, and after shipment to bridge the period until the overseas buyer pays.

Pre-shipment credit (packing credit) is released against a confirmed export order to procure and manufacture goods. Post-shipment credit is released after the goods are shipped, usually by discounting or purchasing the export bill, and is repaid when the buyer pays.

Manufacturer exporters and merchant exporters holding a valid Importer-Exporter Code (IEC), with a confirmed export order or letter of credit and a satisfactory banking track record.

Yes, subject to the bank's assessment of the order, the buyer and the promoter's background. A confirmed order backed by a letter of credit from a reputed bank considerably strengthens a first-time application.

Yes. Banks offer packing credit and post-shipment credit in foreign currency as well as in Rupees; foreign-currency credit can be cheaper and provides a natural hedge against the export receivable.

Business and promoter KYC, IEC certificate, financial statements and ITR, bank statements, GST registration and returns, the export order or letter of credit, and — for post-shipment credit — shipping documents such as the invoice and bill of lading.

Pre-shipment credit is usually a percentage of the order value after the bank's margin; post-shipment credit is based on the value of the export bill. Your export turnover, buyer profile and track record also influence the limit.

No, Project Funding India does not charge any upfront fee.

We assess your export cycle, order book and buyer profile, then match you with the bank offering the most suitable pre-shipment and post-shipment limits, margins and pricing for your export business.

VC funding is equity participation — investors take a stake in your company instead of charging interest, and returns come from the business's growth, not fixed repayments.

Yes, many venture investors fund pre-revenue or early-revenue start-ups based on team strength, market opportunity and growth potential.

Equity dilution is structured to match funding raised; terms are negotiated so promoters typically retain operational control at early stages.

A loan is repaid with interest whatever the project earns. In a joint venture the partner shares the outcome — better if the project performs, worse if it does not — and usually shares control as well. Which is right depends on how much certainty you need and how much of the upside you are willing to share.

That is the classic case for a land-owner joint venture. You contribute the land, the developer funds and executes, and you take an agreed share of the revenue or of the built area. Ownership questions are settled in the joint-venture agreement drafted by your legal counsel.

No. We identify and introduce partners and work through the commercial structure with you. The agreement itself must be drafted and vetted by your own legal counsel, and the tax position confirmed by your chartered accountant.

Yes, and it usually is. Construction finance or a project loan is commonly raised by the venture once the structure and approvals are in place.

A Professional Loan is financing designed specifically for qualified professionals — doctors, chartered accountants, engineers, architects, lawyers, and consultants — to fund practice setup, expansion, equipment, or working capital needs.

Self-employed professionals holding a valid degree/certification and practicing license (e.g., MBBS/MD, CA, CS, engineering degree, architecture license) with a stable practice or professional income.

Setting up a new clinic/office/practice, purchasing equipment or instruments, practice expansion or renovation, working capital, or acquiring a partnership stake in an existing practice.

Loan amount depends on the profession, income level, and purpose; tenures generally range from 1 to 7 years, based on the lender's policy and end-use.

Many Professional Loans are offered on an unsecured basis for qualified professionals with strong income profiles; secured options are also available for higher loan amounts.

KYC, professional degree/licence proof, ITR (typically last 2–3 years), bank statements, and proof of practice (clinic/office registration, if applicable).

Most lenders prefer at least 1–3 years of post-qualification practice experience, though this varies by profession and lender policy.

Based on professional income/ITR, existing liabilities, credit score, and the nature of the funding requirement (equipment cost, expansion size, etc.).

Yes, equipment financing is a common use-case under Professional Loans, especially for doctors and diagnostic centres, often with the equipment itself considered in the assessment.

Since many are unsecured and based on income documentation, approvals are typically faster than secured loans — often within a few days, subject to complete documentation.

No, Project Funding India does not charge any upfront fee.

We assess your professional income profile and funding need, then match you with the lender offering the best rate, tenure, and approval likelihood for your specific profession.