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Business Loan
At KriShiv In.Tech Private Limited, we understand that every business needs reliable financial support to thrive.
Power Your Business Growth with Flexible Financing
Since 2004, we’ve been empowering entrepreneurs and businesses across Gujarat with tailored Business Loan solutions to fuel growth, manage cash flow, and seize new opportunities. Whether you need an Overdraft (O.D.), Cash Credit (C.C.), Secured, or Unsecured loan, our competitive rates, flexible terms, and customer-first approach ensure your business achieves its full potential.
Our Business Loan Offerings
Our comprehensive range of Business Loans is designed to meet the diverse needs of startups, SMEs, and established enterprises. Partnering with leading banks and NBFCs, we provide customized financing solutions with transparent processes and seamless service.
1. Overdraft (O.D.) Facility
Our Overdraft (O.D.) The facility offers flexible access to funds, allowing you to withdraw up to a pre-approved limit to manage short-term cash flow needs.
Key Features
- Credit limit up to ₹5 crore or higher, based on business turnover and eligibility.
- Interest charged only on the amount withdrawn, starting at 9.00% p.a.*
- Flexible repayment with no fixed EMIs; repay as per your cash flow.
- Renewable annually for ongoing financial flexibility.
Ideal For
Businesses needing quick access to funds for working capital, inventory, or unexpected expenses.
Eligibility
Businesses with a minimum turnover of ₹50 lakh p.a. and 2 years of operational history.
2. Cash Credit (C.C.) Facility
Our Cash Credit (C.C.) The facility provides a revolving credit line secured against receivables or inventory, ideal for managing day-to-day business expenses.
Key Features
- Loan amounts up to ₹5 crore, based on business financials and collateral.
- Competitive interest rates starting at 9.00% p.a.*
- Interest applied only on the utilized amount, with flexible repayment options.
- Annual renewal for continuous access to funds.
Ideal For
Manufacturers, traders, and wholesalers needing funds for raw materials, stock, or operational costs.
Eligibility
Businesses with a stable cash flow and collateral like inventory or receivables.Manufacturers, traders, and wholesalers needing funds for raw materials, stock, or operational costs.
3. Secured Business Loans
Our Secured Business Loans allow you to leverage assets like property, machinery, or inventory to secure higher loan amounts at lower interest rates.
Key Features
- Loan amounts up to ₹10 crore or higher, based on collateral value.
- Attractive interest rates starting at 8.50% p.a.*
- Repayment tenures up to 15 years for affordable EMIs.
- Funds for business expansion, equipment purchase, or debt consolidation.
- Transparent collateral valuation and fast disbursal.
Ideal For
Established businesses or entrepreneurs with assets, seeking large-scale funding for growth or capital investments.
Eligibility
Businesses or individuals with acceptable collateral and a minimum of 2 years in operation.
4. Unsecured Business Loans
Our Unsecured Business Loans provide quick financing without the need for collateral, making them ideal for businesses with strong financials but limited assets.
Key Features
- Loan amounts up to ₹75 lakh, subject to business turnover and credit profile.
- Interest rates starting at 10.50% p.a.*
- Repayment tenures up to 5 years for manageable repayments.
- Funds for working capital, marketing, or business expansion.
- Fast approval with minimal documentation.
Ideal For
Startups, SMEs, or professionals needing quick funds without pledging assets.
Eligibility
Businesses with a minimum turnover of ₹1 crore p.a. and a strong credit score.
Key Benefits of Our Business Loans
Flexible Financing
Choose from O.D., C.C., Secured, or Unsecured loans to match your business needs.
Competitive Rates
Access some of the lowest interest rates in the market, starting at 8.50% p.a.*
Quick Disbursal
Get loan approvals within 3-7 working days* for eligible applications, with funds disbursed swiftly.
Customized Solutions
Tailored loan structures based on your business model, turnover, and financial goals.
Tax Benefits
Avail tax deductions on interest paid, as per applicable tax laws in India.
Comprehensive Support
From application to repayment, our team ensures a seamless experience with ongoing assistance.
Why Choose KriShiv In.Tech for Business Loans?
With over 20 years of expertise in Gujarat’s financial sector, KriShiv In.Tech Private Limited is your trusted partner for business financing. Here’s what sets us apart:
Expert Guidance
Our experienced team analyzes your business needs to recommend the best loan product, whether O.D., C.C., Secured, or Unsecured.
Technology-Driven Efficiency
Our advanced CRM and DMS systems ensure fast processing, easy tracking, and seamless loan management.
Trusted Financial Partnerships
We collaborate with leading banks and NBFCs to offer competitive loan products with transparent terms.
Customer-Centric Service
Our clients across Ahmedabad praise our prompt, courteous, and transparent approach, as seen in our testimonials.
End-to-End Support
From loan selection to disbursal and repayment, we provide comprehensive assistance for a hassle-free experience.
Who Should Opt for Our Business Loans?
Our Business Loans are ideal for:
- Startups and SMEs needing funds for working capital, inventory, or marketing.
- Established businesses seeking large-scale financing for expansion, equipment, or infrastructure.
- Entrepreneurs with or without collateral, depending on the loan type (Secured or Unsecured).
- Businesses looking to optimize cash flow with flexible O.D. or C.C. facilities.
- Professionals or traders needing quick financing for operational or growth needs.
How It Works
Our Unsecured Business Loans provide quick financing without the need for collateral, making them ideal for businesses with strong financials but limited assets.
Contact Our Team
Reach out via email at info@krishivintech.com or fill out our “Get Quote” form to discuss your business loan requirements.
Customized Loan Selection
Our experts evaluate your business financials, turnover, and goals to recommend the best loan option.
Seamless Application
Apply online or offline with minimal documentation, supported by our tech-enabled systems.
Fast Approval and Disbursal
Get loan approval within 3-7 working days* for most cases, with funds disbursed quickly.
Ongoing Support
Track your loan, manage repayments, and access dedicated support through our customer portal or team.
