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CAPITAL READINESS ADVISORY

Debt Funding

Fuel Your Growth Without Diluting Ownership

Secure the right business loans, working capital, or equipment finance. We help you structure your debt, prepare flawless documentation, and connect with the right lenders.

Debt Funding
Overview

Capital Appraisal Overview

What it is: Borrowing capital from banks, NBFCs, or financial institutions with an agreement to repay the principal along with interest over a specified period.

Why it is important: It allows you to raise large amounts of capital for expansion or cash flow management without giving up any equity or control of your company.

How We Help Secure Funding

Credit Health Assessment (CIBIL/CMR)
Preparation of CMA Data & Financial Projections
Detailed Project Report (DPR) creation
Identification of the right banking/NBFC partner
Application packaging and submission
Negotiation support on interest rates and terms

Who Is This Pathway For?

Manufacturing companies needing machinery
Trading businesses needing working capital (CC/OD)
Service businesses expanding operations
Companies executing large government/B2B contracts

*Eligibility and sanction terms depend on statutory guidelines, historical financials, and lender appraisal policies.

Documents Required

Checklist required for credit appraisal and lender submission:

Last 3 Years Audited Balance Sheet & P&L
Last 12 Months Bank Statements
GST Returns (GSTR-3B)
CMA Data & Projected Financials
Business KYC (COI, MOA, Udyam)
Details of existing loans / Sanction letters

Funding & Sanction Process

01

Financial Assessment

Analyzing your financials to determine borrowing capacity.

02

Documentation

Preparing CMA data, DPR, and required financial models.

03

Lender Matching

Selecting banks/NBFCs whose credit policies match your profile.

04

Application

Submitting a structured loan proposal.

05

Credit Appraisal

Handling queries from the bank's credit underwriting team.

06

Sanction & Disbursement

Reviewing terms, signing agreements, and fund release.

Frequently Asked Questions

STEP 1 OF 4 25% COMPLETE

Let's Find The Best Funding Solution For Your Business

Answer a few quick questions to check your eligibility. ✨

Business Loan

Debt Funding

  • Up to ₹10 Crore
  • Fast Approval
  • Low Interest Rates

Government Grant

Non-Refundable

  • Non-Refundable Grant
  • Central & State Schemes
  • For Startup & MSME

Startup Funding

Equity / Seed

  • Seed Fund Support
  • Angel Investor Connect

Business Growth Support

Consulting

  • Expansion Planning
  • Digital Marketing
Growthora - The One Stop Growth Partner For Every Stage Of Business