Mid-market lending, done with conviction.
The credit gap for mid-market Indian companies — too large for micro-lending but not large enough for syndication — is one of the most under-served segments in Indian finance. We've built a dedicated corporate lending desk staffed by experienced credit professionals to fill it.
Whether you need a ₹50 Lakh capex loan for a manufacturing upgrade or a ₹10 Crore on-lending line for your NBFC, our corporate team will sit with you, understand your business, and structure a facility that works.
Built for these borrowers.
Mid-market companies
SMEs and manufacturers with annual turnover ₹5–500 Cr needing growth or working capital.
NBFCs & fintechs
Smaller NBFCs and fintechs needing on-lending lines or co-lending capital.
Specialty lenders
Microfinance institutions, education-finance specialists, vehicle financiers requiring capital.
What we offer.
- Term loans: Secured or unsecured, ₹50 Lakh to ₹10 Crore, tenors 12–60 months
- Working capital: Cash credit, overdraft and revolving lines against receivables/inventory
- NBFC on-lending lines: Pool-based or general-purpose lines to fellow NBFCs
- Lease rental discounting: Against committed rental income from credit-worthy tenants
- Structured solutions: Bespoke structures combining multiple instruments where the situation warrants
Our underwriting approach.
- Detailed financial analysis — 3 years audited financials, cashflow projections
- Management quality assessment — promoter interviews, site visits
- Industry and sector analysis — we focus on sectors where we have demonstrable expertise
- Conservative covenants — designed to protect both borrower and lender across cycles
- Decision turnaround: 2–4 weeks for sanction from complete documentation
Frequently asked questions.
What's the typical interest rate?
Rates start from 12% per annum for well-rated borrowers with strong collateral, going up based on risk profile. Rates are risk-based and reflect tenor, security, sector and management quality.
Do you require collateral?
For secured term loans: yes, typically immovable property, plant & machinery, or hypothecation of receivables/stock. For working capital lines: receivables and stock are typically the primary security. Unsecured structures are considered for strong borrowers on a case-by-case basis.
What documents are required?
3 years audited financials, 12 months bank statements, GST returns, ITRs, KYC of promoters and entity, project report/business plan, debt-summary, and (for secured) property documents.
How long is the approval process?
From submission of complete documentation: 2–4 weeks for sanction. Disbursement happens within 5–10 working days of sanction depending on documentation, security creation and legal clearance.
Do you lend to start-ups?
We focus on companies with at least 3 years of profitable operations. For early-stage businesses, we suggest reviewing our supply chain or partnership models instead.
How do I get started?
Email corporate-desk@growmoneycapital.com with a brief about your company and financing requirement, or call our corporate office. A relationship manager will be assigned within 2 working days.