Frequently Asked Questions 

FAQs on Business Loan to SMEs

Gavde Finance Pvt. Ltd. is a RBI registered NBFC based in Mumbai, operating more than 20 years, providing financial services and financing to credible SMEs.

Gavde Finance provides collateral free business loan for SMEs with little paperwork and within 48 hours of submission of all documents / information.
The credible SME applicant must be based in Mumbai with turnover of minimum Rs. 25.00 crores with profitable track record & good credit rating. i.e MSME CIBIL credit rating between CMR 1 to CMR 5.
From Rs. 25 Lacs to Rs. 50 Lacs.
48 hrs from submission of all documents / information.

Minimal documentation to process your application,

  • Financials of the last 3 years.
  • KYC documents of the company and the directors.
  • Bank statement of last 12 months
  • GSTN Returns of last 12 months

*Additional Documents may be required.

  • By bullet repayment at the end of period of loan.
  • Two six monthly / yearly installments.‌
  • The Interest rate charged is competitive i.e. @ 16 to 18.00 % per annum to be paid monthly at the end of each month.
Repayment by Cheque / NEFT / RTGS.
 
Processing fees upto @ 2% plus GST is applicable on sanctioned amount.
There is a 6 months lock in period for the interest amount. The borrowers have option to pre-close the loan account by paying entire outstanding amount i.e. principle plus interest after 6 months from the date of disbursement without any pre-closure charges subject to 15 days advance notice of pre-closure given.
The borrower is required to pay late Payment fee @ 6.00 % per annum as penalty in addition to regular interest.

FAQs on  Hybrid CGTMSE

The primary benefit is access to credit with the need for 25% collateral security of loan amount, subject to lender approval and scheme guidelines.

Yes. Existing eligible Micro and Small Enterprises are considered under the scheme, subject to lender approval.

a) MSE Manufacturers, Traders, or Service Providers subject to the lender approval.

b) Borrowers with no default history with any financial institution.

FAQs on Project Advisory, Project Finance, Debt Syndication and

Working Capital

Our services include Technical Viability / Project Feasibility Studies, Detailed Project Reports (DPR) 

We assist in identifying suitable funding options and facilitate project finance through banks, NBFCs, finanacial institutions.

Yes. New Businesses may be eligible if the project demonstrates strong viability and the Project and Promoters meet lender requirements.

Yes. Existing Businesses can seek Project Advisory & Project Finance support for expansion, modernization, diversification and new project development.

All types of Projects undertaking legal activity can be financed.

The following documents are required for Project Finance, KYC documents, Company Incorporation documents, Detailed Project Report (DPR), latest Financial Statements, Bank Statements, Promoter background and details, Statutory approvals and licenses.

Financial due diligence, technical feasibility support, Project Report preparation, Financial Modelling, Project Appraisal Support.

Fundraising strategy. Loan Syndication, Liaison with lenders and financial institutions.

Yes. Upfront Promoters contribution in the project is necessary before and alongside loan disbursement.

Experienced financial experts, End-to-end project support, Customized solutions.

Strong lender network, Industry-specific expertise, Faster project financing assistance.

Comprehensive risk and financial analysis.

You can contact our team with your project concept, estimated project cost, and funding requirements. Our ex

FAQs on Restructuring

The Process of significantly changing a company’s financial, operational, or legal structure and shifting their strategic direction, or trying to make the business much more efficient.

It is a significant overhaul of a company’s capital structure—specifically its debt and equity—to stabilize its financial health, improve liquidity, and ensure long-term survival.

One Time Settlement is a recovery mechanism used by banks and financial institutions to settle non-performing assets (NPAs) or defaulted loans.

FAQs on Business Advisory

a. Strategic Consulting – Strategic consulting helps businesses develop growth plans, improve competitiveness, enter new markets,  optimize resources.

b. Risk Management – Risk management advisory helps identify, assess, and mitigate financial, operational,regulatory, and market risks.

c. Financial Management – Financial management advisory helps businesses manage budgets, cash flows, profitability, working capital, debt obligations.