Here your file stops being scored and starts being read. Audited numbers, a site visit, questions about your buyers — and security in most cases. The preparation matters more than the application.
Last reviewed · Money Bharti is a loan marketplace, not a lender
Below this, software decides. Here a credit officer opens your financials and works through them. That changes what matters: not just whether the numbers clear a threshold, but whether they hang together and whether you can explain them.
Three years of audited financials. Not just the profit line. Ratios — current ratio, debt to equity, interest coverage — and the direction they have moved. A business whose profit rose while its debt rose faster is telling a different story from one where both improved.
Debtor ageing. Who owes you, how much, how overdue. Concentration and ageing both get probed; a large balance past ninety days will be discounted whatever your books say.
Buyer concentration. One client representing most of your revenue is a risk that will be priced, and asked about directly.
Total existing debt. Across every lender, including facilities you may not think of — an overdraft in another bank, equipment finance, a director's loan. Underwriters pull this from the credit reports, so disclosing it upfront reads far better than having it discovered.
Related-party transactions. Money moving between the business and entities you control gets attention. There is nothing wrong with it, but be ready to explain it.
A site visit. Someone will come and look. A working unit with stock, staff and activity supports the numbers. A quiet premises does not.
₹50 lakh unsecured is available, but the field narrows and the file has to be strong. In most cases you will be asked for one of:
Prepare the file before you approach anyone
At this size the difference between a three-week sanction and a three-month one is almost entirely preparation. Have the audited financials, the debtor ageing, the GST-to-ITR reconciliation and a note explaining anything unusual ready on day one. Underwriters form a view of the borrower partly from how the file arrives, and a well-organised submission genuinely moves faster — not because anyone is being generous, but because there is nothing to chase.
A ₹50 lakh requirement is frequently a machine plus an operating cycle. Financed as one term loan you pay term pricing on money you need for weeks at a time, and the limit that should have covered your cycle does not exist.
Equipment finance for the asset, secured by the asset, plus a working capital limit sized from your actual cycle, is almost always cheaper and more useful than a single ₹50 lakh term loan. The loan types page works through which is which.
Q1. Do I need collateral for ₹50 lakh?
Not always, but it is commonly expected. Unsecured is available to strong files, and CGTMSE cover extends collateral-free credit well beyond this amount for Udyam-registered enterprises.
Q2. What turnover is needed?
Around ₹2 crore is typical, though serviceability from declared cash profit is the actual test. A high-turnover, low-declared-income business will be offered materially less.
Q3. Will they visit my premises?
Almost certainly at this size. It is a routine verification that the business exists and operates at the scale claimed.
Q4. Are audited financials mandatory?
For companies and LLPs, yes. Proprietorships and partnerships below the audit threshold may submit CA-certified statements with the ITR, but audited accounts are expected at this level regardless of entity type.
Q5. How long does ₹50 lakh take?
Two to four weeks unsecured or CGTMSE-backed, three to six weeks if property is involved. Most of the variation is document readiness rather than lender speed.
Money Bharti assesses your financials, both credit reports and existing obligations against the policies of RBI-registered banks and NBFCs, so gaps surface before an underwriter finds them. Soft enquiry only.
Check my eligibilityGet a free, no-obligation eligibility check and compare real offers from 20+ RBI-regulated Banks & NBFCs — with zero impact on your credit score.
🚀 Check Your Eligibility — Free