Answers
Business loan and financial planning FAQs
The questions business owners in Delhi NCR ask most often, answered directly. Where a topic needs more than a paragraph, each answer links to the page that covers it properly.
FAQ
Business loans without collateral
What is a business loan without collateral?
A business loan without collateral — also called an unsecured or collateral-free business loan — is business finance granted without mortgaging property or pledging another asset. The lender assesses your trading history, bank account conduct, declared turnover, existing obligations and credit bureau record instead of relying on security. Read the full explanation.
Can I get a business loan in Delhi NCR without collateral?
Yes. Unsecured business lending is available across Delhi, Gurugram, Noida, Greater Noida, Ghaziabad and Faridabad, and registered micro and small enterprises may also access guarantee-backed collateral-free credit. Approval depends on the lender's assessment of your business.
How much can I borrow without collateral?
There is no fixed figure. The amount is worked back from what the business can demonstrably repay — banked turnover, margins and existing EMIs — within the lender's programme limits. Two businesses with the same declared sales can receive very different offers.
How does an unsecured business loan work?
You apply with KYC, bank statements, filed returns and details of existing obligations. The lender assesses repayment capacity and credit record, issues a sanction stating amount, tenure, rate and fees, and on acceptance disburses to the business account. Repayment is usually a fixed monthly EMI.
Can I get a business loan without ITR?
Some lenders will consider a file supported mainly by bank statements and GST returns, but the options narrow and pricing typically reflects the reduced verifiability. Filed returns consistent with your banking materially improve both the amount and the terms available.
FAQ
Eligibility and documents
Who is eligible for an unsecured business loan?
Typically an operating business with a trading track record, banked revenue, filed returns, manageable existing obligations and a clean repayment history, run by a promoter with a reasonable credit score. Thresholds differ by lender. See what lenders assess.
What factors affect business loan eligibility?
Bank account conduct, credit bureau record, business vintage, turnover and margins, existing obligations, filed returns, and entity and industry. For secured loans, the property and its title are assessed as well.
What documents are required for a business loan?
Business and promoter KYC, proof of business existence and registration, six to twelve months of bank statements, GST returns where applicable, income tax returns with financials, and details of existing loans. Secured loans add property title and valuation documents. See the full checklist.
Why do business loan applications get rejected?
Most commonly: banked turnover far below declared turnover, cheque returns in the statement period, overdue balances or a damaged bureau record, filings that do not reconcile, several recent loan enquiries, insufficient vintage, or an amount that the cash flow cannot support.
How can I improve my chances of approval?
Route business receipts through the business account for a few months, reconcile filings with banking, clear small overdues and let the bureau record update, reduce obligation load where you can, complete registrations, ask for an amount the cash flow supports, and apply once rather than everywhere.
FAQ
Secured loans and property
What is the difference between a secured and unsecured business loan?
A secured loan is backed by collateral such as property; an unsecured loan is not. Secured loans generally allow larger amounts, longer tenures and lower pricing, but take longer to process and put the pledged asset at risk. Unsecured loans are faster and asset-free but usually smaller, shorter and more expensive.
How much can I borrow against my property?
Lenders sanction up to a percentage of the assessed market value — the loan-to-value ratio — commonly in the range of half to around two-thirds, varying by lender and property type, and subject to your income and repayment capacity.
What property is accepted as collateral?
Typically self-owned residential, commercial and industrial property with a clear and complete title chain. Plots, unapproved construction and properties with gaps in ownership documentation are treated more restrictively. Lender policies differ significantly.
FAQ
Working capital and MSME
What is working capital financing?
Funding for day-to-day operations — stock, salaries, supplier payments and the gap between paying out and being paid. It is usually a revolving limit you draw on and repay repeatedly, with interest charged only on what you use.
What is the difference between an overdraft and cash credit?
Both are revolving limits with interest on usage. An overdraft is generally linked to your current account and assessed on overall standing; cash credit is assessed specifically against stock and receivables with drawing power reviewed periodically.
Can MSMEs get unsecured business loans?
Yes, both through ordinary unsecured programmes and through credit-guarantee-backed routes where a government-backed guarantee stands in place of collateral. Credit appraisal still applies in full.
What are the current MSME classification limits?
Under criteria effective from 1 April 2025: micro — investment up to ₹2.5 crore and turnover up to ₹10 crore; small — up to ₹25 crore and ₹100 crore; medium — up to ₹125 crore and ₹500 crore. Both conditions must be satisfied.
FAQ
Working with Cavaris Capital
Is Cavaris Capital a bank or an NBFC?
No. Cavaris Capital is an advisory firm and does not lend on its own books. Sanction, amount, rate and terms are decided by the lender under its own credit policy.
What does Cavaris Capital charge?
Commercial terms are agreed before work begins. [CUSTOMER TO PROVIDE: fee structure and terms of engagement]
Which areas does Cavaris Capital serve?
Delhi and New Delhi, Gurugram, Noida and Greater Noida, Ghaziabad, and Faridabad. See coverage.
Can Cavaris Capital guarantee that my loan will be approved?
No, and any firm that says otherwise is describing a marketing position rather than a credit process. What we can do is tell you honestly how your file is likely to be read, help you fix what is fixable, and approach lenders whose policy fits your profile.
How do I start?
Message +91 88006 32211 on WhatsApp with one line about the business and what the funding is for, or use the enquiry form.
Talk through your funding requirement
Tell us what the money is for, how much you need and by when. We will tell you which route fits, what the file needs to contain, and what is realistic — before you apply anywhere.