Bank Loan Support for
Growing Businesses
We organize your financial records, audit your debt-service coverage, prepare bank-ready credit dossiers, and assist your company in applying for business loans and collateral-free government credit schemes.
Loan Advisory Desk
Direct consultation with loan specialists
Have questions about collateral-free schemes, credit ratings, or bank underwriting standards? Our team assists you from file organization to bank meetings.
Comprehensive Loan Assistance
We assist companies across working capital lines, government-guaranteed credit, and asset mortgages.
Collateral-Free Startup Debt (CGTMSE)
Credit Guarantee Fund Trust for Micro and Small Enterprises coverage allowing high-growth startups to access working capital and expansion funds without pledging personal real estate or hard collateral.
Unsecured Business Term Loans
Fixed-tenure funding designed for healthy-cashflow companies looking to bridge marketing cycles, inventory buildup, or team hires without waiting on equity diligence.
Working Capital & Cash Credit (OD/CC)
Revolving lines of credit that mirror your receivables cycle, ensuring day-to-day operations stay uninterrupted while vendor payments clear.
Commercial & Retail Property Financing
Long-term mortgage financing for corporate office acquisitions, warehouse setups, or commercial real estate purchases with structured repayment schedules.
How Our Assistance Works
Turning raw business accounts into a structured, bank-ready credit proposal.
Financial Intake & Data Sanity
We look over your last 12 months of GST returns, banking statements, and ITR filings to verify clean debt-service eligibility.
Credit Health & DSCR Audit
We compute your Debt-Service-Coverage Ratio (DSCR), evaluate your credit bureau status, and identify what bank credit committees will question.
Institutional Document Prep
We compile a structured credit proposal report formatted according to authorized bank underwriting standards.
Bank & Sourcing Alignment
We route and guide your file to authorized partner bank loan officers and registered institutions suited to your profile.
What We Organize in Your Bank Dossier
Bank loan committees review structured metrics, not scattered folders.
Calculation of Debt-Service-Coverage Ratios from banking statements to demonstrate loan service capacity.
Alignment check between GST filings and current account receipts to preempt auditor discrepancies.
Verification of corporate filings, director DIN statuses, and bureau scores to avoid last-mile underwriting hurdles.
Questions Founders Frequently Ask
Does UNFUND directly lend money or charge upfront approval fees?
No. UNFUND is a financial assistance and deal-readiness platform. We do not lend funds, issue credit, or charge upfront loan sanction guarantees. All sanctioning and disbursals are executed directly by partner banks and RBI-registered institutions.
How does the CGTMSE collateral-free scheme work?
Under the CGTMSE framework, the government trust provides credit guarantee coverage (up to 75%–85%) to partner banks, enabling eligible MSMEs and startups to access debt without pledging personal residential or commercial real estate.
What documents are required to start reviewing our profile?
Typically, lenders require 12 months of current bank statements, 12 to 24 months of GST returns (GSTR-3B/1), audited balance sheets or provisional P&Ls, PAN/incorporation documents, and KYC of directors.
How do we get started without a form on this page?
Simply visit our dedicated Contact Page or run the 3-minute audit to schedule an advisory consultation with our loan assistance team.
Need Business Loan Guidance?
Connect directly with our loan assistance desk to review your eligibility and structure your documents for banking partners.