Bussiness Loan
Fueling the Next Enterprise Giant.
Goodfind Wealth and Ventures Pvt Ltd provides strategic commercial capital for MSMEs and large scale enterprises. We empower visionaries with the liquidity needed to scale operations instantly.
Operational Scaling
Inject fresh capital into your supply chain, inventory management, or workforce expansion to meet growing market demands.
Machinery & Tech
Upgrade to Industry 4.0 standards with dedicated funding for high-end equipment, software infrastructure, and automation.
Market Penetration
Finance your marketing blitz, new branch openings, or international export ventures with our long-term commercial lines.
Corporate Empowerment Mission
Our vision is to become the backbone of the Indian startup and MSME ecosystem by providing collateral-free credit based on cash-flow merit and business health.
Business Loan Advantages
High Quantum Funding
Access business credit up to ₹75 Lakhs (Unsecured) and higher for secured lines. No personal collateral required for eligible MSMEs.
Cash-Flow Based Lending
We look beyond just balance sheets. Our AI analyzes your GST returns and banking to offer credit based on actual business turnover.
Tax Benefits
The interest paid on our business loans is a tax-deductible expense, helping you optimize your company's net fiscal liability.
Speed to Market
Business opportunities don't wait. Get in-principle approval in 24 hours and disbursal in 72 hours with our digital-first approach.
Flexible Drawdown
Choose between Term Loans or Overdraft facilities to manage your daily working capital needs effectively.
Competitive Commercial Rates
Leverage our tie-ups with leading NBFCs and Banks to get the lowest possible cost of capital for your industry.
Commercial Eligibility Matrix
Proprietorship & Partnerships
- ✔ Business Vintage: Minimum 3 Years
- ✔ Annual Turnover: ₹25 Lakhs+
- ✔ GST Registration: Mandatory
- ✔ Promoter Age: 25 – 65 Years
- ✔ Office/Factory: Owned or Leased with valid proof
Private Ltd & LLP
- ✔ Audit Status: Audited Financials for 2 Years
- ✔ Profitability: Positive PAT (Profit After Tax)
- ✔ Credit Rating: Stable business credit score
- ✔ Banking: 12 months primary current account
- ✔ Industry: Non-negative list sectors only
KYC & Audit Docs
Entity Proofs
GST Certificate, Udyam Aadhaar (MSME), Partnership Deed, or MOA/AOA of the company.
Statutory Artifacts
Latest 2-3 years ITR, Computation of Income, Balance Sheet, and P&L (CA Certified).
Banking Intelligence
Latest 12 months Bank Statements of all active Current Accounts (Original PDF).
GST Records
GSTR-3B and GSTR-1 filings for the last 12 months to verify top-line revenue.
Promoter KYC
PAN and Aadhaar of all Directors/Partners + Proof of residence and ownership.
Loan Track (if any)
Sanction letters and 6-month repayment track of any existing business or personal loans.
Growth Calculator
Estimate your commercial debt-service coverage ratio and monthly outflows.
MONTHLY REPAYMENT
₹ 34,178
Cost of Credit₹ 2,30,408
Total Infusion₹ 12,30,408
Commercial Fee Schedule
| Commercial Component | Standard Pricing Schedule |
|---|---|
| Business ROI | 11.5% to 24% (Based on Risk Rating) |
| Processing Charges | 1% to 2.5% of the Sanctioned Amount |
| Foreclosure/Pre-payment | NIL (Floating Rates) | 2-4% (Fixed Rates) |
| Documentation Fee | ₹2,500 to ₹5,000 (One-time) |
| Annual Review Fee | 0.25% of the limit (For Overdraft only) |
B2B Knowledge Base
Do I need collateral?
We provide unsecured loans up to ₹75 Lakhs. For higher amounts, equipment or property collateral may be required.
Can I use the loan for GST payments?
Yes, the funds can be used for any legitimate business purpose including working capital, GST, or vendor payments.
Is startup funding available?
We require a minimum business vintage of 2-3 years. Early-stage startups may apply with strong co-applicant profiles.
