Business Loan

Working capital, term loans & overdraft

Interest from14%*

Working capital, term loans, overdraft and machinery finance — structured around how money actually moves through your business.

Loan amount₹5 L – ₹5 Cr
Tenure1 yr – 7 yr

A business loan that fits inside your cash flow

Working capital, term loans, overdraft and cash credit, and machinery finance — for expansion, inventory, a new unit or a seasonal gap.

We build the cash-flow model first and approach lenders with a structured file, which is why approvals carry terms that earlier applications often did not.

Indicative terms

Ticket size: ₹5 lakh – ₹5 crore
Tenure: 12 – 84 months
Security: unsecured for established businesses; secured facilities widen the amount

Who qualifies

Proprietorships, partnerships, LLPs and companies with at least 2 years of operations, filed returns and a working bank account.

Documents required

PAN and Aadhaar of the promoters
GST registration / MSME (Udyam) certificate
ITR and financials for the last 2 years
Last 6–12 months' bank statements

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Disclaimer: Figures are indicative planning bands drawn from typical lender pricing and are not a quotation, offer or guarantee of approval. Final terms are at the sole discretion of the lending institution. Stable Wave Consultants Pvt Ltd is not a lender.

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Why Stable Wave

Advisory built around your numbers, not ours

We are not a bank and we do not sell products. We work on your behalf — evaluating options, negotiating terms and staying accountable through to disbursement and beyond.

Transparency

Fees, spreads, commissions and lender terms are disclosed in writing before you commit. If we earn on both sides, you will know exactly how.

Rigour

Every recommendation carries a model — cash flows, break-even, repayment capacity. We show our working, including when it says no.

Discretion

Client data never leaves the firm without written authorisation. No promotional calls, no sharing your details with lenders you have not approved.

Ownership

We stay with the mandate after signature. A 90-day post-disbursement review checks that the money did what it was meant to do.

Long Horizon

We would rather advise once and correctly than transact repeatedly. Many clients have been with the firm for over a decade.

Compliance First

SEBI-registered where applicable, RBI-aligned lending practices, and a documented trail for every recommendation we hand over.

How it works

Four steps. No guesswork.

A defined process keeps timelines predictable and keeps you informed at every stage.

1

Discovery call

A 30-minute confidential conversation to understand your objective, timeline and constraints.

2

Analysis

We build the cash-flow model, assess eligibility and shortlist the right product mix.

3

Negotiation

Applications go to multiple lenders in parallel. We negotiate rate, tenure and structure.

4

Execution

Documentation, disbursement and a 90-day post-issuance review to confirm everything works.

Next step

Let's talk about what you actually need

Share a few details and an advisor will call you within one working day — no obligation, no sales pressure.

Talk to a loan expert

Free consultation with zero obligation. We respond within business hours.

Call us

8018383677

Email

ankitagrawal79236@gmail.com

Visit us

2nd Floor, Guru Bhawan, Budharaja, Sambalpur- 768004

Office hours

Mon – Sat, 10:00 AM – 6:30 PM IST