SME Funding Built Around Your Business.
Capital solutions for working capital, expansion, asset acquisition and property requirements. Tailored structured mandates designed for growing mid-market enterprises.
Phase I & II Deployed
Syndicate Depth
Track Record
Execution Velocity
6 dedicated sme capital facilities
Capital Solutions for Every Stage of Growth.
Structured funding designed to support expansion, strengthen liquidity, and unlock your next opportunity.
INSTITUTIONAL GRADE APPRAISAL
Monetize Office Towers, Industrial Plots & Commercial Units
Loan Against Property (LAP)
Monetize built-up commercial, industrial, or prime residential real estate to unlock significant long-term liquidity. Structured specifically for business expansion, CAPEX debt substitution, and low-cost balance sheet replenishment without disrupting ownership.
High LTV Underwriting
LTV ratios up to 65% – 75% on commercial buildings, industrial plots, and prime residential assets.
Extended Amortizations
Tenors up to 15–20 years structured to preserve operational monthly cash flow and lower DSCR pressure.
Balance Transfer & Top-Up
Seamless refinancing of expensive legacy debt with institutional rate reductions and substantial liquidity top-up.
Multi-Property Collateral Pools
Ability to pool mixed promoter real estate assets across multiple jurisdictions into a unified credit tranche.
Ticket Scale
₹3 Cr to ₹50 Cr+
Repayment Tenor
5 to 20 Years
Collateral Profile
Commercial / Industrial / Resi
Turnaround Cycle
15 – 25 Business Days
RAPID CASH-FLOW UNDERWRITING
Turnover & GST Banking Multipliers Without Mortgages
Unsecured Business Loans
High-speed balance sheet liquidity engineered without mortgaging physical assets. Underwritten primarily on consistent banking transactions, GST returns, operating cash flows (EBITDA), and demonstrated promoter vintage.
Rapid Velocity Disbursals
Sanction and capital release executed within 5 to 7 business days from dossier submission.
Algorithmic GST Assessment
Optimized limits structured using 12-month GSTR-1, GSTR-3B filings and transactional banking audits.
Zero Property Collateral
No residential or commercial property pledges required; no legal title searches or encumbrance certificates.
Tenors Up to 5 Years
Flexible EMI repayment structures extending up to 36–60 months to avoid working capital choking.
Ticket Size
₹50 L to ₹10 Cr
Underwriting Basis
GST & Cash Flows
Security Level
100% Unsecured
TAT
5 – 7 Days
REAL-TIME ASSET MONETIZATION
Unlocking Stuck Receivables & Bulk Procurement Liquidity
Working Capital Finance
Comprehensive working capital architectures designed to bridge the operational gap between invoice dispatch, raw material procurement, and client settlements. Prevent cash bottlenecks in fast-expanding supply chains.
Inventory & Stock Financing
Procure raw materials at bulk cash discounts; limits scaled directly to warehouse stock audit certificates.
Receivables & Factoring
Monetize accepted enterprise client invoices with up to 85% immediate advance liquidity.
Supply Chain & Vendor Finance
Tri-party supplier lines allowing timely vendor payouts while keeping enterprise balance sheet fluid.
LC & Bank Guarantees (Non-Fund)
Letters of Credit (Inland & Foreign) and Performance Bank Guarantees arranged via consortium desks.
Facility Ticket
₹2 Cr to ₹35 Cr
Underlying Asset
Stocks & Receivables
Pricing Type
Benchmark Linked
Appraisal Model
Turnover Method (Nayak)
CGTMSE Backed Limits
Empowering qualifying MSMEs, manufacturers, and technology services to access institutional borrowing up to ₹5 Crores without pledging third-party collateral or promoter personal asset guarantees.
100% Collateral-Free Framework
Underwritten under the Credit Guarantee Fund Trust for Micro and Small Enterprises with sovereign risk absorption.
Scalable up to Regulatory Cap (₹5 Cr)
Combination of Term Loans for machinery & Cash Credit limits for operational inventory needs.
Concessional PSU & Scheduled Bank Pricing
Enjoy competitive base lending rates compared to unorganized non-bank NBFC market debt.
MAX SOVEREIGN CAP
Up to ₹5.00 Cr
COLLATERAL REQUISITE
Nil (Zero Collateral)
Cash Credit & Overdraft Facilities
Dynamic revolving limits structured against enterprise book debts, paid-up stock, and liquid receivables. Maximize operating flexibility with interest charged strictly on utilized balances day-by-day.
Interest On Utilization Only
No interest on non-utilized limits. Deposit surplus daily collections to instantly lower interest burn.
Drop-Line OD & Clean Limits
Structured amortizing overdrafts or revolving limits matched to seasonal sales cycles.
Annual Renewal & Escalation
Effortless annual limit step-ups pegged directly to year-on-year enterprise revenue expansion.
TYPICAL LIMIT SCALE
₹1 Cr to ₹30 Cr
DRAWING POWER (DP)
Monthly Stock Audits
CAPEX ACCELERATION
Capital Equipment & High-Tech Operational Plant Loans
Funding for Asset Purchase
Empower your manufacturing floors, technology facilities, and operational hubs with dedicated equipment financing. Preserve precious working liquidity while procuring production machinery, specialized medical devices, or corporate tech infrastructure.
Industrial & Plant CAPEX
Financing for CNC machines, packaging lines, printing machinery, solar plants, and heavy engineering setups.
Direct Vendor Letter of Credit
Direct LC and escrow disbursements to domestic OEM or international machinery exporters.
Asset As Primary Collateral
The equipment itself serves as principal hypothecated security, minimizing additional immovable collateral asks.
Accelerated Depreciation Tax Gains
Structured term loans that allow corporate balance sheets to capture 100% tax depreciation benefits.
Machinery Ticket
₹1 Cr to ₹25 Cr
Financing Margin
Up to 80% – 90%
Loan Tenor
3 to 7 Years
Primary Security
Asset Hypothecation
SME Funding Structure at a Glance
Compare borrowing vehicles across collateral stipulations, disbursal turnaround times, and typical institutional pricing corridors.
Loan Against Property (LAP)
Commercial / Industrial real estate mortgage
Unsecured Business Loans
Cash-flow & turnover underwriting
Working Capital Finance
Inventory, stock & invoice factoring
CGTMSE Limits
Government-backed MSME guarantee
Cash Credit / OD Facilities
Revolving limits with interest on utilization
Funding for Asset Purchase
Equipment, plant, machinery CAPEX
Structure Your SME Capital Mandate
Submit your enterprise parameters to Fund Astra's senior credit desk. We evaluate balance sheet gearing, map against 45+ scheduled commercial banks and premier NBFCs, and deliver syndicated sanction architectures.
100% Non-Disclosure Guaranteed: Protected under bilateral confidentiality.
No Upfront Processing Retainer: Success-aligned institutional advisory.
Direct Syndicate Desk Access: Avoid multiple bureau scoring hits.
DIRECT SYNDICATE LEADS
hello@fundastra.in
Office no 4, Second Floor, C-17, Sector -3, Noida
Zero commitment • Strict institutional confidentiality guaranteed.
Frequently Asked Questions
Direct answers regarding our advisory scope, ticket parameters, regulatory frameworks, and appraisal velocities.
We structure working capital, overdraft and cash credit limits, loan against property, CGTMSE-backed credit, and asset and machinery expansion facilities.
SME funding is structured based on the business profile, financial position, operating cash flows, banking history, and the specific funding requirement.
The initial assessment typically requires financial statements, bank statements, existing borrowing details, KYC documentation, and relevant business and property documents.
Our team conducts an initial assessment of the funding requirement and credit profile before progressing the mandate through the appropriate lending partners.
Processing typically requires audited financial statements, bank statements, existing loan and repayment details, KYC documents, GST and tax records, business registration documents, and relevant property or security documents, depending on the funding structure.
Banks typically assess working capital requirements using financial performance, projected turnover, operating cycles, drawing power, stock and receivables, banking conduct, and applicable lender appraisal norms to determine suitable working capital limits.
Institutional Partner Consortium & Credit Fund Networks
Capital, Structured Around Your Ambition.
Bespoke institutional capital advisory across SME funding, structured debt, and equity syndication. Grounded in rigorous balance sheet intelligence.