Frequently Asked Questions on Business Funding

FundingBridge Business Solution Private Limited operates as a specialized financial advisory firm. We are not a bank, NBFC, or direct lender. We assess your company's balance sheet, structure bank-grade CMA data, identify suitable institutional and government funding routes, and guide your team through documentation and credit evaluation.

While specific parameters depend on the lending institution and chosen credit product, general minimum indicators typically include: at least 1-2 years of audited business operations, positive operating cash flow, regular GST filing history, and a healthy commercial/personal CIBIL score (usually 675+). Early-stage startups may access alternate seed lines through DPIIT recognition.

Yes. Qualifying MSMEs can access collateral-free credit facilities up to ₹2–5 Crore under the Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE) scheme. Additionally, unsecured business loans and invoice discounting lines evaluate cash flow rather than tangible physical security.

Preliminary assessment requires: Last 2-3 years of audited balance sheets with Profit & Loss statements, 12 months of active bank account statements, last 12 months of GST returns (GSTR-3B), KYC documents of promoters/directors, and Certificate of Incorporation/Udyam Registration. You can review our detailed Documents Checklist.

Unsecured term loans and working capital lines typically conclude credit evaluation within 5 to 10 working days once a complete dossier is compiled. Complex project financing, consortium syndications, or large machinery facilities may take 3 to 6 weeks depending on technical feasibility reviews.