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

KYC DOCUMENTS

(Applicants / Promoters / Directors / Partners)

• PAN Card (Self-attested)

• Aadhaar Card / Passport / Voter ID

• Mobile Number & Email ID (Linked with Aadhaar)

• Latest Electricity Bill / Utility Bill (Address Proof)

• Passport-Size Photographs

BANKING & CREDIT DOCUMENTS

• Bank Statements – Last 12 Months

  • Savings Account (Individuals / Salaried)

  • Current Account (Business Entities)

• CIBIL Report (Latest – Individual & Entity)

• Net Worth / Asset & Liability Statement (CA-Certified)

INCOME PROOF

A. Salaried Applicants

• Salary Slips – Last 3 Months

• Form-16 – Last 2 Years

B. Self-Employed / Business Owners

• Income Tax Returns with Computation – Last 3 Years

• Audited Financial Statements – Last 3 Years

C. Rental Income

• Registered Rent Agreement

• Rent Receipts / Bank Credit Proof

• Electricity Bill of Rented Property

D. Other Income

• Relevant Supporting Documentary Proof

EXISTING & CLOSED LOAN DETAILS

A. Running Loans

• Sanction Letter

• Latest Loan Statement

B. Closed Loans

• Loan Closure Letter / NOC

• Original Sanction Letter (If Available)

C. Balance Transfer (BT) / Takeover Cases

• Sanction Letter

• List of Documents (LOD)

• Foreclosure / Pre-Closure Letter

COLLATERAL SECURITY DOCUMENTS

(If Applicable)

• Complete Property Title Chain Documents

• Latest Electricity Bill

• Approved Building Plan / Layout Map

• Property Tax Paid Receipt

• Encumbrance / Mortgage Details

• List of Documents (LOD) (If Property Already Mortgaged)
  

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