Term Loan
Structured repayment loans for capital expenditure, expansion and equipment, repaid over 1 to 10 years.
What Is a Term Loan?
A Term Loan is repaid through regular periodic instalments — monthly, quarterly or yearly — usually over one to ten years, making it ideal for planned capital expenditure and expansion.
Interest rates generally depend on the borrower's profile, the lender's benchmark rate (EBLR / MCLR) and internal policy, with options from nationalised banks, private banks and NBFCs.
Key Features & Benefits
- Tenure from 1 to 10 years
- Monthly, quarterly or yearly repayment options
- Competitive rates linked to the lender's EBLR / MCLR benchmark
- Available from banks, NBFCs and private lenders
- Suitable for equipment, expansion and capex needs
Eligibility Criteria
- Established business with income-generating operations
- Sound repayment capacity and credit history
- 3 years' financial statements and IT returns
- Clear end-use plan for the loan amount
End Use Of Funds
- Machinery and equipment purchase
- Business expansion
- Capital expenditure
- Infrastructure upgrade
- Refinancing existing high-cost debt
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Figures shown are indicative and vary by lender, rating and case profile. Your sanctioned terms are confirmed only in the lender's sanction letter.
From Enquiry To Disbursement In 4 Steps
Share Your Requirement
Tell us your funding need — amount, purpose and business profile — via form, call or WhatsApp.
Document Assessment
Our advisory team reviews your documents and matches you with the right lender / product.
Sanction & Approval
We coordinate with banks and NBFCs for evaluation, valuation and credit sanction.
Disbursement
Funds are disbursed directly to your business bank account after final agreement.
Term Loan — Frequently Asked Questions
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