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Working Capital Without Collateral
Unsecured limits up to ₹5 Crore for businesses with strong financials — fast, flexible liquidity with no property or FD pledged.
Funding Amount
₹25 Lakh – ₹5 Cr
Approval Timeline
5–12 days
Pricing
13% p.a. onwards
About Unsecured Working Capital
Not every growing business has free collateral — and growth rarely waits for property paperwork. Unsecured working capital products lend against your financial strength itself: banking turnover, GST flows, receivable quality and repayment history.
LOANYARD CAPITAL arranges unsecured lines across banks, NBFCs and fintech lenders — flexi overdrafts, dropline limits and invoice-linked facilities — and sequences them so pricing improves as your track record builds.
Key Benefits
Who Should Apply
- Businesses without free collateral
- Firms needing quick seasonal liquidity
- Companies awaiting large receivables
- Enterprises bridging to a secured facility
Eligibility
- 2+ years vintage; ₹1 Cr+ annual turnover
- Healthy banking with limited bounces
- Promoter bureau score 685+
- Profitable or near-profitable operations
Documents Required
- KYC of promoters and business entity
- Last 2–3 years financial statements / ITRs
- Last 12 months bank statements
- GST returns where applicable
- Existing loan sanction letters and repayment track
- Requirement-specific documents (we guide you)
Industries Served
Our Process
Consultation
We understand your requirement, financials and timelines.
Structuring
Our analysts prepare a lender-grade proposal.
Placement
Competitive placement across best-fit lenders.
Negotiation
Amount, pricing, tenure and covenants negotiated.
Disbursement
Documentation to disbursal, managed end to end.
Why LOANYARD CAPITAL
15+ Years
Advisory Experience
500+
Corporate Clients
100+
Lending Relationships
Pan-India
Coverage