Term Loans | Overdraft (OD) | Cash Credit (CC) | Bank Guarantees (BG)

Empowering MSMEs with structured, scalable, and sustainable finance.

Finance Doctors delivers customized MSME funding solutions designed to support business expansion, asset creation, and working capital optimization across manufacturing, trading, services, and infrastructure sectors.

Term Loans
Long-term funding solutions for machinery purchase, factory setup, modernization, renovation, or business expansion. Structured with optimal tenure, moratorium options, and competitive pricing to ensure healthy cash flows.

Overdraft (OD)
A flexible revolving credit facility for day-to-day operational needs. Interest is charged only on the utilized amount, enabling efficient cash management without fixed repayment pressure.

Cash Credit (CC)
Working capital limits against stock and receivables to ensure uninterrupted operations, timely vendor payments, and liquidity stability throughout business cycles.

Bank Guarantees (BG)
Performance, financial, bid, and advance guarantees for government departments and corporates. Essential for tender participation, contract execution, and compliance requirements.

General Documents

(MANDATORY FOR ALL BORROWERS)

1️⃣ KYC – Applicants / Promoters / Directors / Partners

• PAN Card (self-attested)
• Aadhaar Card / Passport / Voter ID
• Mobile number & email linked with Aadhaar
• Latest Electricity Bill / Utility Bill (address proof)
• Passport-size photographs

2️⃣ Banking & Credit Documents

• Bank Statements – Last 12 months
  • Savings Account (Individuals / Salaried)
  • Current Account (Business Entities)
• CIBIL Report – Individual + Entity (latest)
• Net Worth Statement / Asset & Liability Statement(CA-certified)

3️⃣ Income Proof

• Salaried Applicants
  • Salary Slips – Last 3 months
  • Form 16 – Last 2 years
• Self-Employed / Business
  • Income Tax Returns with computation – Last 3 years
  • Audited Financial Statements – Last 3 years
• Rental Income
  • Rent Agreement
  • Rent receipts / bank credits
  • Electricity bill of rented property
• Other Income
  • Supporting documentary proof

4️⃣ Existing & Closed Loan Details

• Running Loans
  • Sanction Letters
  • Loan Statements (latest)
• Closed Loans
  • Closure Letter / NOC
  • Original Sanction Letter (if available)
• For Balance Transfer (BT) / Takeover
  • Sanction Letter
  • List of Documents (LOD)
  • Foreclosure / Pre-closure Letter

5️⃣ Collateral Security Documents (If Applicable)

• Complete Property Title Chain Documents
• Latest Electricity Bill
• Approved Building Plan / Map
• Property Tax Receipt
• Encumbrance / Mortgage Details
• List of Documents (LOD) if already mortgaged with any bank/NBFC

Product Specific Documents Required for MSME-

Business Identity & Registrations

• GST Registration Certificate
• UDYAM (MSME) Certificate
• Shop Act / Trade License
• FSSAI / ISO / Industry-specific licenses (if applicable)

Office & Operations

• Office Address Proof (Electricity Bill / Rent Agreement)
• Business Setup Photographs (office, factory, godown, machinery)

Financial Documents

• Audited Balance Sheet & P&L – Last 3 years
• GST Returns – Current FY till date
• Current Account Bank Statement – Last 12 months
• Net Worth Statement (CA-certified)

Entity-Specific Documents

• Proprietorship: PAN + Proprietor Declaration
• Partnership Firm: Partnership Deed + Firm PAN
• LLP: LLP Deed, Certificate of Incorporation, LLP PAN
• Private Limited Company:
  • Certificate of Incorporation
  • MOA & AOA
  • Company PAN
  • MCA Master Data