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Funding Proposal Creation

“Loan from banks or NBFCs is an important source of funding to start or expand a business. Loans can be in the form of cash credit for working capital or term loans for purchasing fixed assets.”

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Business Idea


Your Business idea is finalised Or Yours is an existing business



Business idea for new business or existing business is required to apply for Business Loan Sarathi service.

Training / Experience


You have/one of your team members has training or experience in business Or Yours is an existing business



Training / Experience in your business is required to apply for Business Loan Sarathi service.

Margin Money


You can provide margin money



Margin money is the amount which the business owner has to raise from his own funds.

Annual Turnover


Your estimated annual sales turnover/revenue will be up to Rs. 50 Lakhs.



Your estimated annual sales turnover/revenue should be up to Rs. 50 Lakhs to apply for Business Loan Sarathi service.

Project Cost


Your estimated project cost is up to Rs. 1 Cr.



Project cost includes:

  • Purchase of business premises, machinery/
    equipment/vehicle, etc.
  • Cost of setting up business, including expenses for Company/Partnership Deed/LLP formation and expenses towards registrations/licenses
  • deposit to the landlord (if any)


Margin money is the owner’s or the promoter’s contribution which is calculated as a percentage of the total project cost. In case of a loan, you have to gather this margin money amount before the loan sanction. Generally, financial institutions demand a minimum of 25% of the total project cost as margin money.

CIBIL (Credit Information Bureau (India) Limited) score is a three-digit numeric summary of your credit history. The score is derived by using details found in the accounts and enquiries section on Credit Information Report (CIR). CIR includes particulars of credit you’ve availed over time; such as home loan, automobile loan, credit card, personal loan, overdraft facilities. CIBIL score is one of the first checks by a lender, when evaluating your loan proposal.

A guarantor is an individual who guarantees to repay the loan and interest amount in case the borrower is unable to, or does not repay the same, on the due date.

Collateral is a security which is created in the name of the lender to secure the loan amount. It can be seized by the lender in case of any defaults in repayment.

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Running a business can be quite a journey. Here is a clickable route map to help you overcome business challenges.