Bespoke Credit Solutions for Discerning Borrowers
Accelerating business growth demands agile financing. Pavanasutha Financial Consultants delivers custom business loans designed for traders, manufacturers, contractors, and service companies across Bengaluru and Karnataka.
We structure both collateral-free working capital lines and asset-backed term loans across premier lenders including Tata Capital, Bajaj Finserv, NeoGrowth, and Shriram Finance, ensuring you maintain working liquidity without diluting equity.
Key Highlights & Product Specifications
Eligibility Guidelines
Criteria (Category A)
- • Enterprise Types: Proprietorship, Partnership, LLP, Pvt Ltd companies
- • Business Vintage: Minimum 3 years operating history (2 years with strong financials)
- • Minimum Annual Turnover: ₹40 Lakhs with healthy banking credits
- • CIBIL Commercial / Promoter Score: 700+
Criteria (Category B)
- • Clean banking track record with minimal inward cheque bounces
- • Active GST registration with regular monthly filing history
- • Positive net worth and audited profit margins over 2 consecutive years
- • Clear commercial establishment or registered office premises proof
Documentation Checklist
KYC of all directors/partners/promoter: PAN, Aadhaar, Passport, and Business PAN.
GST registration certificate, Udyam Aadhaar, MOA & AOA / Partnership Deed, and trade license.
Last 2 to 3 years audited financial balance sheets, Profit & Loss statements, computation of income, and 12 months current bank statements.
Frequently Asked Questions
Yes! We arrange collateral-free business loans up to ₹75 Lakhs based on your audited turnover, GST collections, and banking health.
Most partner banks require an annual audited turnover of at least ₹40 Lakhs. However, specialized NBFC programs are available for fast-growing firms with ₹25 Lakhs+ annual revenue.
With an Overdraft facility, interest is charged only on the exact amount utilized and for the specific number of days used, making it ideal for fluctuating inventory and vendor payouts.