A Term Loan is a fixed-amount credit facility repaid over a predetermined period through regular instalments (EMIs). It is the most versatile business loan product, used to fund capital expenditure, expansion projects, infrastructure investment, or any long-term business requirement. Term loans are offered by banks, NBFCs, and financial institutions at fixed or floating interest rates with structured repayment schedules.
Short Term Loan
Tenure of up to 1 year. Ideal for immediate working capital gaps, seasonal requirements, or bridge financing.
Medium Term Loan
Tenure of 1–5 years. Best for equipment purchase, renovation, technology upgradation, or capacity expansion.
Long Term Loan
Tenure of 5–15 years. Suitable for large project funding, real estate, greenfield units, and infrastructure.
Secured Term Loan
Backed by property, machinery, or other assets — attracts lower interest rates and higher loan amounts.
Unsecured Term Loan
Based on cash flow and credit score — no collateral needed. Typically smaller amounts, faster processing.
Project-Specific Loan
Tailored for specific projects with DPR-based appraisal — ideal for new business ventures and expansions.
- Individuals, proprietorships, partnerships, LLPs, Pvt. Ltd., and Public Ltd. companies
- Businesses with minimum 1–3 years operational history (varies by lender)
- New startups with strong project reports and promoter credentials
- All sectors — manufacturing, trading, services, hospitality, healthcare, education
- Good credit score (CIBIL 700+ preferred) for competitive rates
- Adequate income / projected cash flows to service the loan EMI
- Entities with existing NPA or wilful default status with any lender
Requirement Analysis
C&S Consultancy evaluates your loan purpose, amount, tenure, and selects the best-fit lender and product.
Documentation & DPR
We compile all financial documents and prepare a compelling detailed project report for the bank.
Application & Follow-up
Application is submitted and we actively follow up with the bank's credit team at every stage.
Sanction & Terms
We help you review and negotiate the sanction letter terms — interest rate, processing fees, pre-payment clauses.
Disbursement
Post documentation of mortgage/security, loan is disbursed. We assist with end-use compliance and reporting.
⚡ How C&S Adds Value
- We match your project with the right lender — PSU banks, private banks, NBFCs, or development finance institutions
- Our DPRs are specifically structured to meet each lender's appraisal criteria
- We negotiate on processing fees, interest rates, and repayment schedules on your behalf
- Government subsidy integration — link your term loan with RIPS-2024, PMEGP, or MSME schemes
- Post-disbursement support — compliance, renewal, top-up loans handled by our team