Service businesses are driven by human capital, intellectual property, and client retainers rather than heavy plant machinery. Traditional banks often hesitate without physical collateral. Our Services Sector Loans unlock working capital limits, invoice factoring, and equipment financing based on verified client invoices and steady banking throughput.
Up to ₹3 Crores
10.50% - 14.00% p.a.
1 to 5 Years
3 - 5 Working Days
Buffer liquidity to onboard specialized engineers, designers, consultants, and management professionals.
High-end laptops, dedicated cloud servers, ERP systems, cybersecurity suites, and design tools.
Commercial tech park leases, meeting room audio-visual suites, and collaborative workstations.
Bridge liquidity while waiting for 60 to 90-day enterprise client invoice payments.
Trade conference participation, enterprise marketing, brand positioning, and international client acquisition.
Yes. Up to ₹2 Crores can be sanctioned completely collateral-free under the CGTMSE scheme based purely on your audited balance sheet and bank cash flow strength.
Instead of waiting 60 to 90 days for corporate clients to settle invoices, the bank advances up to 80-90% of the invoice value immediately upon billing, resolving payroll and cash flow crunches.
A DLOD gives you a flexible credit line where interest is charged only on the exact amount used for the number of days utilized, rather than paying fixed EMI on an idle lump sum.
Yes. Software exporters, design studios, and remote consulting agencies with USD/EUR inward remittances (FIRC) enjoy favorable interest rates and higher sanction multipliers.