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SME/MSME LENDING

Arka Fincap helps your business meet all the financial requirements and scale the heights of success with our convenient and quick to access SME Loans. With an SME loan, you can invest in your firm's infrastructure, meet working capital requirements, expand your business or pay for several overheads.

Our SME loans are powered by automation and are ideal for multiplying and growing your business. We offer instant digital credit backed by Real time backend operations and API based underwriting. This credit facility is hassle free as it supports digital exchange of data, e-documentation, and an online disbursal to your bank account.

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Loan Against Property

This secured loan can be availed to start a new venture, for business expansion, or funds for capital expenditure by pledging residential and/or commercial property. These are designed to help SMEs grow their business without affecting their cash flows.

Supply Chain Finance

This facility is designed to help suppliers' meet their funding needs at competitive interest rates and streamline working capital management. We allow our suppliers to choose the invoices that they want to get discounted and hence enjoy a lower interest payout.

Business Loan

Our loans are available at competitive interest rates, flexible tenures & minimal documentation. These loans will help you scale your business in a hassle free environment. You can use the funds to invest in infrastructure, expand operations or increase working capital.

If you are looking for funds and you can use your commercial or residential property as a collateral, then Arka Fincap's Loan Against Property is the easiest resource you can use to your advantage. The loan can be availed to start a new venture, for business expansion, or funds for capital expenditure. Our loans are designed to help SMEs grow their business without affecting their cash flows. We offer a wide range of loan amounts, competitive interest rates and longer tenure to help you map out your success stories.
Write your growth story with us.

Benefits:

  • Hassle-free documentation and disbursal
  • Affordable interest rates
  • Long repayment term
  • Smooth balance transfer processing and top-up on your outstanding loan
  • No hidden costs
  • Multiple properties can be offered as collateral for one loan

Arka Fincap has a state-of-the-art supply chain finance platform that allows us to integrate (File/API based integration) with the anchor / suppliers’ ERP platform. We offer a range of credit solutions to suppliers of large corporations. Our loans help suppliers to meet their funding needs at competitive interest rates and streamline working capital management. These loans are designed to suit suppliers' demand for faster short-term finance from the sale to payment. We allow our suppliers to choose the invoices that they want to get discounted and hence enjoy a lower interest pay-out.

To be launched soon!

Bill Discounting

Purchase Order Finance

We offer a range of credit solutions to dealers and customers of large corporations; one such solution is Bill Discounting, which is backed by a digital supply chain platform. It helps the supplier with early payment without dependence on the buyer. The supplier can avail the loan at a low cost by leveraging its corporate's higher credit rating (buyer).

Benefits:

  • Short-term finance
  • Credit of up to 90 days
  • Credit line is based on financials of corporate and suppliers’ needs
  • Minimal documentation from suppliers
  • Get funding against acceptance by corporates

We provide upfront funding to suppliers secured against a confirmed Purchase Order. Our Purchase Order funding is an ideal solution for SMEs and start-ups, as we assist with the financing of the transaction up until the time an invoice is raised. We can help resolve the cash flow problems and help you fulfill outstanding orders. Our financing solutions will help you procure the raw materials, supplies or manpower to deliver the best services & products to your customers and continue growing your customer base.

Benefits:

  • Take up new business opportunities without waiting for advances
  • Convenient online platform for both suppliers and buyers
  • Quick online application process
  • No collateral required
  • Limit up to 90 days and valid for a year
  • Credit can be easily availed within 1 to 3 days

Fincap - MSME Loan Against Property FAQs

FAQs

Q1.What will be the tenure and interest rate of the loan against the property?

We provide loans for the tenure up to 15 years – however, this figure depends on the borrower's age and income. Our interest rates are highly competitive. However, the exact interest rate will be subject to the loan amount and a thorough analysis of your business financials.

Q2: What security/collateral do I need to provide?

We accept both residential and commercial properties. Both self-occupied and rented properties are allowed as collateral. The title to the property should be clear, marketable, and free from any encumbrances.

Q3: How much loan will I get?

Your loan eligibility will depend on your income, repayment, collateral. Apply now, and we are sure you will be happy with our offer.

Q4: What documents are required to avail of the loan?

- KYC documents of the proprietor/partners/directors as applicable

- KYC documents of the entity

- Income documents (ITR, GST etc.)

- Business establishment and continuity proof

- Bank statements

- Property ownership documents

Q5: I want to avail a loan for my partnership firm? Will you need co-applicants?

The partnership firm, majority stakeholders and property owners must be co-applicant to the loan.

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Fincap - MSME Supply Chain Finance FAQs

FAQs

Q1: What will be the tenure and interest rate of the loan against the property?

We provide loans for the tenure up to 90 days billing cycle. The limit is valid for a year – however, this figure depends on the income, billing cycle of the corporate. Our interest rates are highly competitive. However, the exact interest rate will be subject to the loan amount and a thorough analysis of your business financials.

Q2: Do I need to provide any security/collateral?

No, we will not ask for any collateral.

Q3: How much loan will I get?

Your loan eligibility will depend on your income, invoice/bill amount etc. Apply now, and we are sure you will be happy with our offer.

Q4: What documents are required to avail of the loan?

- KYC documents of the proprietor/partners/directors as applicable

- KYC documents of the entity

- 3 years of Income documents (ITR, GST etc.)

- Bank statements

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Fincap - MSME SME Customer Speak Content

CUSTOMER SPEAK

Raghavendra Hathwar

Arka Fincap has been right there, helping wherever and whenever needed for the past one month. I know how much time and effort everyone has invested to not only get the loan done but to ensure that I was satisfied with every step of the process.  My decision of approaching Arka Fincap has been proved right by its prompt & ethical service.

Rajesh Jambekar

In view of the COVID-19 pandemic, Arka has built an excellent digital loan processing support. Just by visiting an online portal, one can upload the requisite KYC documents. The document/photo verification is being done through an online authenticated system-generated web call. They have dedicated technical support to experience customer delight.

Saurabh Mehta

I sincerely thank the Arka team for all its help in financing my loan during the pandemic. My decision of approaching Arka has been proved right by its hassle-free digital processes. The tech process made a significant difference in the journey of application. I am extremely happy & satisfied with the outcome and would approach Arka for any future requirement. I wish them all the very best for their endeavor.

Rishabh Raj

During the global pandemic, working remotely in an IT company is the "New Normal". Despite all the challenges, Arka Fincap provided a loan for my new home in a jiffy. The overall process was very convenient, and I did not have to break my head for any of the steps. Their CRM had astounding availability to help me out whenever required.