Our Financial Products & Services
05
Vehicle Finance
Collateral - Free Business Loans under CGTMSE
What is CGTMSE?
The Credit Guarantee Fund Trust for Micro & Small Enterprises (CGTMSE) is a Government of India & SIDBI initiative that empowers businesses with collateral-free loans, eligible for Micro & Small Enterprise.
Special benefits on ROI and Loan Amount for Women Entrepreneurs.
Key Benefits
Benefits to Your Business
- Access funding without pledging personal or business assets
- Build your business creditworthiness with government-backed support
- Perfect for start-ups, SMEs & entrepreneurs
- Finance expansion, machinery purchase, working capital & more
Loan Types Covered
- Term Loans – for expansion, machinery, assets
- Working Capital Loans – for cash flow, stock, receivables
- Sub Limit facilities – Bank Guarantee (BG), Letter of Credit (LC) and Packing Credit (PC), Machinery Loans & etc.
Loan Against Property (LAP)
Unlock the True Potential of Your Assets
A Loan Against Property (LAP) is a secured credit solution that enables individuals and businesses to unlock the hidden value of their residential, commercial, or industrial property. By pledging your property as collateral, you can access substantial funding while retaining full ownership and usage rights.
Key Features
Eligible Customers
- Salaried Individuals
- Self-Employed Business Owners
- Professionals (Doctors, CAs, Architects, etc.)
- Rental Income Generating Customers
Repayment Flexibility
- Term Loan – Lower ROI & Longer Tenure for stability
- Flexi-DOD (Drop-Line Overdraft) – Flexible withdrawals and repayments to match business cycles
Repayment Flexibility
A Loan Against Property empowers you to convert idle assets into productive growth capital:
- Business Expansion – Scale operations or invest in new opportunities
- Working Capital – Bridge gaps in operational cashflows
- Debt Consolidation – Combine multiple loans into a single manageable repayment
- Personal Milestones – Fund weddings, higher education, or medical expenses
Smart Funding. Secured Growth. Flexible Repayment.
Your property works for you, while you continue to own it.
Business Loans – Powering Your Growth
A Business Loan is an unsecured credit facility designed to meet the urgent financial needs of your company. It enables you to expand operations, purchase equipment, boost production, manage cash flow, and build inventory—without diluting your working capital.
Why Business Loans Matter
Expansion
Scale quickly without waiting to reinvest profits.
Inventory Purchase
Stay ahead of seasonal demand and maintain stock without straining reserves.
Cash Flow Stability
Bridge gaps from delayed payments or operating costs to ensure smooth continuity.
The Edge
An SME business loan provides the financial strength to turn aspirations into reality. With collateral-free options, flexible repayment, and quick processing, you can focus on growing your business confidently.
Loan Parameters
Note: Actual eligibility, tenure, and pricing vary based on income, banking profile, GST records, CIBIL score, and repayment history.
Repayment Options
Term Loans
- Fixed tenure and interest rate
- Stable EMIs throughout the loan period
- EMIs deducted via NACH on the regular monthly due date
Dropline OD (DLOD)
- Flexi Loans: The credit limit reduces periodically (dropline). Interest charged only on the utilised amount for the utilised days. If fully utilised, monthly outflow includes interest + scheduled principal.
- Hybrid Flexi Loans: For the first 12–24 months, the limit remains constant with interest-only payments on usage. Afterward, the facility shifts to standard Flexi Loan mode with dropline reduction.
Benefits of Business Loans
- Access to Capital: Immediate funding for expansion, equipment purchase, or working capital.
- Customisable Options: Choose loan types aligned with your business cycles.
- Tax Benefits: Interest paid is tax-deductible, lowering the effective cost of borrowing.
- Retain Ownership: Unlike equity funding, lenders don’t take a stake—control remains with you.
Smart Financing. Faster Growth. Greater Control.
Professional Loans
ligibility – Designed for Esteemed Professionals
- Medical Professionals : MBBS, MS, MD, MCh, MDB, BDS, MPT
- Financial Professionals :Chartered Accountants (CA), Company Secretaries (CS), Cost Accountants (ICWA)
Overview
Whether you are setting up a new clinic, upgrading your diagnostic tools, or strengthening your consultancy practice, a Professional Loan ensures access to tailored financial support with minimal effort and maximum benefits.
Key Highlights
Solar Finance – Powering Your Green Energy Ambitions
We’re committed to accelerating the shift towards clean and sustainable energy by delivering customized financing solutions for solar initiatives of every scale., We funding from rooftop solar setups to utility-grade solar infrastructure your transition with capital that’s fast, flexible, and future-ready.
Financing Snapshot
Loan Amounts
- Up to ₹5 Crores – Unsecured Funding
- From ₹5 to ₹25 Crores – Secured Funding
Highlights
Our Core Offerings
Rooftop Solar Financing – Residential & Commercial
Term Loans
Transform your home into a clean energy hub. We support installations across:
- Villas & Individual Home
- Apartment Complexes & Gated Societies
- Religious Institutions & Trusts
Commercial Applications
Empower your business with sustainable savings and ESG enhancement:
- Factories & Industrial Units
- Warehouses & Utility-Scale Plants
- Water Pumps (Agriculture/Commercial)
- Floating & Treatment Plant Systems
Solar Project Financing – Commercial & Industrial
Enable your CAPEX-light growth with end-to-end solar project funding for:
- Independent Power Producers (IPPs)
- Large-Scale Commercial Solar Developers
- Industrial & Hybrid Solar Integration
- Projects under PPA / BOOT / Lease models
We back you with competitive pricing, longer repayment windows, and flexible structuring.
EPC Finance – Manufacturers, Traders and Service Providers
Fuel your EPC execution pipeline with structured finance that scales. Ideal for:
- Turnkey Solar Plant Developers
- Solar Infra Rollouts Across Private/Public Sector
- CAPEX-Driven Deployment Models
Optimize working capital, bridge procurement cycles, and unlock faster project execution.
Machinery Loan
Overview
A Machinery Loan is a specialized financing solution designed to help businesses acquire new or pre-owned equipment. Tailored for MSMEs, these loans enable enterprises to modernize operations, expand capacity, and improve productivity—without straining working capital.
Key Highlights
Simplified Assessment Policies
- Site-Visit Based Evaluation – Limited documentation for loans up to ₹30 Lakhs
- GST & Banking-Based Assessment – Simplified evaluation for loans up to ₹50 Lakhs
Eligible Customer Profile
- Small & Medium Manufacturers
- Traders across industries
- Service Providers in diverse sectors
Documents Required
- Company & Individual KYC
- Bank Stmt – Latest 12 Months
- Latest 2 years of ITR (if Loan amount is more than 50 Lacs)
- Performa Invoice & Debt Profile
Minimum Business Vintage
At least 3 years of continuous operations
Fuel your business growth with SME-focused machinery financing solutions.
Supply Chain Finance & Working Capital Solutions
At Credora Fintech Pvt Ltd, we empower businesses with customized funding solutions designed to optimize cash flow, strengthen supplier relationships, and fuel growth. Our Supply Chain Finance offerings are tailored to the unique needs of MSMEs, corporates, and suppliers—helping you unlock working capital without additional collateral.
Supply Chain Finance (Invoice Discounting)
Vendor Finance (Purchase Invoice Discounting)
Facilitates immediate working capital by providing funding against sales invoices raised to buyers. This helps businesses manage receivables efficiently and maintain healthy liquidity.
Purchase Bill Discounting (Sales Invoice Discounting)
Enables early payment to suppliers by offering funding against purchase orders and invoices. This improves supplier trust and allows businesses to leverage extended credit terms effectively.
How It Works
- Business submits valid purchase/supplier bills to the lender.
- Lender verifies and discounts the bill, releasing up to 100% of the invoice value.
- On the due date, the buyer/borrower pays the invoice amount directly to the lender.
Key Benefits
- Credit period offered up to 120 days
- Instant access to working capital
- Off-balance sheet financing option
- Collateral-free structure
- Improved cash flow cycle and supplier relationships
Working Capital Demand Loan (WCDL – Revolving Credit)
A short-term revolving credit facility that bridges cash flow gaps and supports day-to-day operations. Funds can be drawn, repaid, and redrawn within the sanctioned limit, offering flexibility and efficiency.
How It Works
- Lender sanctions a working capital limit based on business requirements.
- Borrower utilizes funds anytime, fully or partially, within the approved limit.
- Interest charged only on the utilized amount.
- Upon repayment, the limit is restored within 24 hours.
Key Benefits
- Flexible usage – withdraw only what you need
- Interest efficiency – pay only on utilized funds
- Quick access for unexpected or seasonal expenses
- Improves liquidity & operational stability
- Avoids over-borrowing with flexible drawdowns
User Segments
- Purchase of inventory or raw materials
- Payroll & operational expenses
- Vendor payments
- Cash flow gap management
- Corporate suppliers
Short Term Loan – Dropline Overdraft (DLOD)
The Dropline Overdraft is a dynamic working capital solution where the sanctioned credit limit gradually reduces over the loan tenure—encouraging repayment discipline while offering flexibility.
Key Benefits
- Multiple withdrawals within the approved limit
- Gradual “dropping” limit reduces liabilities over time
- Short tenure of 12–36 months
- Minimal documentation and fast approvals
Ideal for businesses with seasonal working capital requirements or temporary cash shortfalls.
Domestic Factoring
Domestic Factoring enables businesses to sell their accounts receivable (invoices) to a lender within India, ensuring immediate cash inflows without waiting for buyers to pay on extended credit terms (up to 120 days).
Key Benefits
- Instant cash flow – up to 90% of invoice value released immediately
- Reduced financial stress & smooth cash cycles
- Strengthened working capital for daily operations & growth
- Off-balance sheet financing – does not increase company debt
- Optional credit protection against buyer defaults
- Simplified receivables management handled by the factor
User Segments
- MSMEs and enterprises selling on credit within India
- High-volume sellers with recurring invoicing
- Cash-flow focused businesses seeking faster receivable conversion
WHAT IS TRADE FINANCE INVOICE DISCOUNTING
Trade Finance Invoice Discounting is a short-term funding solution where exporters or suppliers get immediate cash by using their unpaid trade invoices as collateral. Instead of waiting for buyers to pay, businesses receive an advance (up to 90%) from a lender, ensuring smooth cash flow.
Benefits of Trade Finance:
- Bridging Working capital
- Off-Balance Sheet Financing
- Collateral Free Finance
- Reduced Dependence on Traditional Banks
- Secured Payments
Our Product Offering:
Pre-Shipment Finance
Benefits:
- Ensures on-time production and delivery
- Avoids production delays due to cash shortage
- Enables bulk procurement at competitive rates
How It Works
- 1. Exporter receives an export order / Letter of Credit (LC).
- 2. Exporter approaches the lender with order confirmation and supporting documents.
- 3. Lender sanctions funds to cover raw material procurement, wages, packing, and shipping costs.
- 4. Once goods are manufactured and shipped, export proceeds (foreign currency inflows) are used to repay the finance.
Post-Shipment Finance
Funding provided after shipment and invoice generation, but before buyer payment—bridging the cash flow gap between dispatch and receipt.
Benefits:
- Quick access to funds post-dispatch
- Smoothens working capital
- Reduces receivables cycle
How It Works
- 1. Exporter ships goods and submits shipping documents (Bill of Lading, Invoice, LC, etc.) to the lender.
- 2. Lender advances funds (usually 80–90% of invoice value) to the exporter immediately.
- 3. On the due date of payment, the overseas buyer remits funds directly to the lender.
- 4. The lender adjusts the advance and releases the balance (after interest & charges) to the exporter.
Import Factoring
Extend Your Supplier Payment Cycle – Simplify Global Trade Finance
Import Factoring is a specialized financing solution that allows businesses to purchase goods from overseas suppliers while extending their payment terms. By bridging the gap between procurement and payment, it helps importers manage cash flow efficiently and build stronger supplier relationships.
Key Highlights
How It Works
- Importer places an order with the overseas supplier.
- Factor/lender pays the supplier on behalf of the importer (covering the invoice).
- Supplier ships the goods without waiting for extended credit.
- The importer repays the lender within the agreed extended period (up to 120 days).
Why Choose Import Factoring?
- Strengthen your supply chain with timely procurement.
- Improve working capital by extending supplier payment cycles.
- Reduce dependency on costly short-term borrowings.
- Focus on growth, while we handle the financing.
Loan for Educational Institutions
Loans for Educational Institutions are customized financing solutions designed to empower schools, colleges, universities, coaching centres, and training institutes to achieve sustainable growth. These loans support infrastructure development, technology adoption, facility upgrades, and working capital needs, enabling institutions to deliver high-quality education while maintaining financial stability.
Key Features & Benefits:
Eligible Institutions
- Recognized Schools (CBSE, ICSE, IB, State Boards)
- Colleges & Universities
- Professional Institutes (Medical, Engineering, Management, Law, etc.)
- Coaching & Training Centres
- Vocational & Skill Development Institutes
Types of Educational Loans
2. Secured Loans – Backed by school buildings, land, or institutional assets; funding up to ₹25 Crores; longer tenures up to 15 years with lower interest rates.
3. Receivable Financing – Funding against confirmed fee receivables; up to ₹5 Crores; short-term facility up to 2 years with escrow-based repayment structures.
Documentation & Assessment
- KYC of institution & trustees/promoters
- Last 3 years’ financial statements (audited/management certified)
- Proof of accreditation/affiliation (if applicable)
- Fee structure and student enrolment details
- Collateral/security documents (for secured loans)
Why Choose This Loan?
- Supports long-term institutional growth through strategic funding
- Repayment schedules aligned to academic revenue cycles
- Enables adoption of modern teaching tools & technology
- Provides reliable financial backing to maintain operational excellence without disruptions