Big Business Loans • Fast • Transparent

Big-Ticket Credit, Structured for Growth

Cash‑flow based underwriting for SMEs and mid-market firms. Structured facilities—Term Loan + OD/CC—designed to match receivables and seasonality. Indicative tickets ₹25 lakh–₹5 crore.

Calculate EMI
Quick Sanctions
as fast as 6–10 working days*
Transparent Pricing
no last‑minute add‑ons
Smart Structuring
Term + OD/CC split
*Subject to policy, documentation, and cut‑off times.
Business growth

Credit Products

Facilities designed around your cash flows and capex plans.

Term Loan — Expansion

Finance plant upgrades, new lines, and capacity addition. Tenure and repayment structured to project cash flows with step‑up options where applicable.

  • ₹25L–₹5Cr indicative
  • Balloon/Step‑up options
  • Vendor payout support
Working Capital — OD/CC

Overdraft/Cash Credit linked to inventory and receivables. Optimize interest outgo by drawing only what you need, when you need it.

  • Limit sized to cycles
  • Flexible utilization
  • Quarterly reviews
Equipment & Capex Finance

Fund machinery, tools, and tech. Align EMIs with productivity ramp‑up; benefit from OEM tie‑ups and warranties where applicable.

  • Right‑sized schedules
  • OEM/vendor support
  • Minimal downtime
Invoice Discounting

Unlock working capital against billed receivables to enterprise buyers. Speed up cash without stressing supplier relations.

  • Buyer program ready
  • Lower interest days
  • Digital documentation
Structured Facilities

Blend Term + OD/CC for optimal cash coverage. Improve liquidity while keeping long‑term capex repayment predictable.

  • Custom splits
  • Aligned to receivables
  • Policy‑driven pricing
Top‑Up / Revolver

For consistent performers—quick enhancements or seasonal limits after periodic reviews and updated cash‑flow checks.

  • Track‑record based
  • Faster sanction
  • Lower risk pricing

How We Structure Your Loan

We combine digital speed with on‑ground diligence to deliver facilities that fit your business reality.

Cash‑Flow Based
not just collateral
Security & Policy
as per NBFC norms
Pricing & Tenure
aligned to risk
Speed with Care
end‑to‑end support
We partner with RBI‑registered NBFCs/banks and follow responsible lending practices.
Structuring

Simple Process

Clear steps, quick decisions.

1
Eligibility

Share basic details and financials for a quick pre‑check.

2
Documentation

KYC, bank statements, GST/ITR as per policy; doorstep help available.

3
Diligence

Cash‑flow assessment and site/vendor checks for right‑sizing.

4
Sanction

Clear terms and conditions; accept digitally.

5
Disbursal

Direct to bank/vendor with structured payout schedules.

6
Support

Periodic reviews, top‑ups, and on‑call relationship support.

EMI Calculator

Illustrative calculation—final terms depend on policy and verification.

Monthly EMI
₹ 0
Total Interest
₹ 0
Total Payment
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Principal vs Interest
Principal 50% Interest 50%
This calculator is for guidance only and does not constitute an offer.

What Our Clients Say

Cash‑flow aligned financing that fuels growth.

Delhi — Big Business Loan
★ ★ ★ ★ ★

“Running a stainless‑steel fabrication unit in Okhla Phase II, our cash cycle was stretched. We needed ₹1.8 crore to add a laser‑cutting line and working capital. Unlike our bank, Advance Group underwrote real cash flows—not just collateral. Sanction in 6 working days, clear pricing, and a smart split: ₹1.2 cr term + ₹60 lakh OD/CC. In four months, throughput is up 41%, on‑time deliveries crossed 95%, and we’ve added a second shift.”

— Rajat Malhotra, Founder, Skyline MetalWorks, New Delhi
Jaipur — Engineering Components
★ ★ ★ ★ ★

“We availed a ₹3 crore structured facility combining Term + CC. Documentation was clear, and vendor payouts were handled smoothly. With improved liquidity, our on‑time order fulfillment rose to 97% and quarterly revenue grew 34%.”

— Anita Gupta, Director, JPEX Industries, Jaipur

About Us

We are a digital‑first arranger and lending partner focused on big business loans for SMEs and mid‑market firms. Our approach is simple: fast, fair, and transparent credit with facilities structured around real cash flows. From capacity expansion to working capital and receivable financing, we deliver solutions that reduce friction and cost. We partner with RBI‑registered NBFCs/banks, combine data‑driven appraisal with on‑ground diligence, and support you through the entire lifecycle—sanction, disbursal, reviews, and top‑ups.

  • Cash‑flow based underwriting
  • Structured Term + OD/CC facilities
  • Transparent pricing and timelines
About Advance Group

Contact Us

Have questions or ready to apply? Send us your details—our team will reach out.

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