Business loan and MSME funding help in Ghaziabad
Businesses in Sahibabad Site IV, Meerut Road, Bulandshahr Road, Loni Road and Kavi Nagar industrial areas use Funding Desk to see which banks, NBFCs and government schemes will lend to them – and at what rate – before they apply. If you want a person to take the file forward, our panel of former bankers, credit analysts and Chartered Accountants works with Ghaziabad clients from our Greater Noida office.
What Ghaziabad businesses usually come to us for
Engineering and fabrication units. Term loans for CNC, press and fabrication machines, often with the Mutual Credit Guarantee Scheme for larger equipment and CGTMSE for the rest.
Steel, chemicals and food processing. Cash credit against stock and debtors, assessed on turnover up to ₹5 crore and on CMA data above that. We help set the drawing-power statements right so the full limit is usable.
Traders and distributors. Overdraft against shop or house property, and GST-based business loans from NBFCs when property is not available.
A good number of Ghaziabad units run on family property in Raj Nagar, Indirapuram or Vaishali. Where the title is clean, a loan against that property is often the cheapest money; where it is not, CGTMSE avoids the problem altogether.
How we work
- Free check – see eligible lenders, likely rate, amount and EMI on Funding Desk.
- Bank statement and papers – upload them online; our panel reads them the way a credit officer will.
- File and project report – we set right gaps in GST, ITR and financials, and prepare the project report or CMA where needed.
- Lender and follow-up – the file goes to the lender most likely to sanction, and we follow it up to disbursal.
Loans we arrange
- MSME term loans and cash credit from public, private and small finance banks
- Loans without collateral under CGTMSE (up to ₹10 crore) and CGSS for startups
- PMEGP and Mudra loans for new and small units
- Machinery loans, loans against property and invoice discounting on TReDS
- Home, education and personal loans for individuals
- Insurance surety bonds for contractors, in place of bank guarantees
See today’s loan rates from banks and NBFCs →
What lenders look at
- Cash profit of at least about 1.25 times the yearly loan repayments (DSCR)
- Turnover in GST returns, ITR and the bank statement that match
- A credit score of 700 or more for promoters, and no recent bounces
- Two to three years of audited financials, or a sound project report for a new unit
Common questions
Do you have an office in Ghaziabad?
Our office is at 320, TF/C1, Krishna Apra Plaza, Alpha 1, Greater Noida. Most of the work for Ghaziabad clients happens on phone, WhatsApp and online document upload, and our team meets you at your office or ours when the file needs it.
Is the eligibility check free?
Yes. The online check, the bank statement reading and the first call with our panel are free. If you want the panel to handle your file, the scope and any fee are agreed before work starts.
Does the check affect my credit score?
No. Funding Desk does not pull your credit report. It works on the figures you enter.
Is Keiri Tech a bank or NBFC?
No. The lender decides the rate, amount and terms. We help you choose the right lender, prepare the file and follow it up to disbursal.