FINANCE POINT | SINCE 1998

Business Loans in Kharar, Mohali & Chandigarh

Funding for Business Growth and Working Capital

Need funds to expand your business, purchase machinery or manage daily operations? Finance Point — The Finance Specialists helps you explore business loan options through banks and NBFCs.

Serving clients since 1998, we provide transparent guidance, documentation assistance and application support. We work with business owners across Kharar, Mohali, Chandigarh, Zirakpur and Panchkula, with selected funding options available across India.

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WHAT WE OFFER

Business Loan Options

Unsecured Business Loans

Explore business funding without property collateral, subject to lender eligibility. Suitable requirements may include stock purchases, operating expenses and business expansion.

Secured Business Loans

Explore financing backed by eligible property or other lender-approved security. Available amounts and terms depend on your business profile, repayment capacity and security valuation.

Working Capital Finance

Manage cash flow gaps, supplier payments and operational expenses through suitable working capital facilities.

Overdraft & Cash Credit

Explore overdraft (OD) and cash credit (CC) facilities for ongoing business requirements. Limits, security and utilisation terms depend on lender assessment.

Machinery & Equipment Finance

Seek funding to purchase or upgrade eligible machinery and equipment for manufacturing, production or business operations.

Balance Transfer & Top-Up

Review options to transfer eligible existing borrowing or obtain additional funding. We help you compare repayment terms and applicable charges before proceeding.

Other Business Banking Facilities

We also assist with enquiries for term loans, working capital demand loans, letters of credit and bank guarantees, where available.

APPLICANTS

Who Can Apply?

We assist eligible entities including:

Self-employed professionals and sole proprietors
Partnership firms and LLPs
Private and public limited companies
Manufacturers, traders, wholesalers and distributors
Retailers, service businesses and contractors
Other business entities accepted by the lender

REQUIREMENTS

Business Loan Eligibility

Each lender has its own criteria. Assessment commonly includes:

Business vintage and continuity
Turnover, income and profitability
Bank statement transactions
Credit history and repayment conduct
Existing loans and monthly obligations
Property or security details for secured facilities

*Your eligible loan amount, interest rate and tenure are determined after reviewing your profile.

CHECKLIST

Documents Required

The checklist varies by lender and loan type. Common documents include:

PAN and applicable identity/address proof
Business registration or constitution documents
Recent business bank statements
Income tax returns and financial statements

GST returns, where applicable
Details of existing loans
Property documents for secured funding

Our team will provide a tailored checklist suited to your specific application.

OUR ADVANTAGE

Why Choose Finance Point?

Experience Since 1998

Practical guidance backed by decades of loan consultancy experience.

Multiple Lender Options

Explore relevant bank and NBFC products based on your requirements.

Personalised Support

Guidance that considers your business cash flow and repayment capacity.

Transparent Charges

No advance consultancy fee from Finance Point. Any applicable consultancy/success fee is explained before proceeding.

Application Assistance

Support with document preparation, application coordination and follow-up.

PROCESS

How to Apply

Share Your Requirement

Tell us the amount, purpose and basic business details.

Review Options

We explain relevant products, rates and documentation requirements.

Submit Application

Complete the required documents for lender review & assessment.

Review Decision

If approved, understand the sanction terms and complete disbursement formalities.

GOT QUESTIONS?

Frequently Asked Questions

Unsecured business loans may be available to eligible applicants. Approval depends on the lender’s assessment of your business and credit profile.

Rates vary by lender, loan type, income, credit history and security. Contact us for options based on your specific profile.

Yes, you can enquire. Lenders will assess your current obligations, repayment record and capacity for additional borrowing.

Processing depends on document completeness, verification and lender assessment. Our team will explain the expected process for your case.

TAKE THE NEXT STEP

Let’s Discuss Your Business Funding Requirement

For business loans, working capital finance, OD or CC facilities in Kharar, Mohali and Chandigarh, speak with Finance Point today.

Call: +91 99141-28390 +91 99148-28390

Visit: SCO 82-C, City Heart Complex, Kharar, SAS Nagar, Mohali, Punjab

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Disclaimer: Finance Point operates as a loan consultancy and DSA. Approval, loan amount, interest rate, tenure and disbursement remain subject to the respective lender’s policies and assessment.