What is Corporate & SME Finance?

Corporate finance is the area of finance dealing with the sources of funding and the capital structure of corporations, the actions that managers take to increase the value of the firm to the shareholders, and the tools and analysis used to allocate financial resources.


Corporate finance deals with the capital structure of a corporation including its funding and the actions management take to increase the value of the company. Corporate finance also includes the tools and analysis utilized to prioritize and distribute financial resources.


The ultimate purpose of corporate finance is to maximize the value of a business through planning and implementing management resources while balancing risk and profitability.


SME Loan is a kind of business loan which specifically focuses on serving the needs of small and mid-sized enterprises. SMEs have their unique set of needs, which are slightly different from bigger enterprises. The needs might be one or more of the following –


  • 1. Trade Finance (Bill discounting) – for paying the creditors, while awaiting payment from debtors

  • 2. Working Capital requirements – for day to day functioning of the business

  • 3. Equipment / Machinery purchase – either for manufacturing purposes, or generally for office such as furniture, electrical fittings etc.

  • 4. Project Finance – for funding your new venture

List of Common Documents Required for Business Loan

  • 1. Application Form: Complete loan application form with one passport size photograph

  • 2. Valid Proof of Applicant's Identity: Passport, Photo PAN card, Voter’s identity card , Driving license and MAPIN card

  • 3. Proof of Residence: Ration card Tel/ Lease agreement/ Electricity Bill/ Passport/Trade license /Sales Tax certificate

  • 4. Proof of Age: Passport, Photo PAN card, Voter’s identity card

  • Financial Documents: Copies of IT returns for the last two years along with the latest Bank statements for 6 months and P & L and balance sheet for last two years audited by a C.A.

  • 1. Self Employed (Private Ltd. Co. and Partnership Firms): P & L Copies of IT returns for the last two years and P & L and balance sheet for last two years audited by a chartered accountant.

  • 2. Self Employed Individuals - Professionals: Copies of IT returns for the last two years and Bank statements for last 6 months and – Professionals: P & L and balance sheet for last two years audited by a chartered accountant

  • 3. Self Employed Individuals - Non Professionals: P & L and balance sheet for last two years audited by a chartered accountant and Copies of IT returns for the last two years and Bank statements

Documents Required for Self Employed (Private Ltd. Co. and Partnership Firms)

  • 1. Proof of Identity of Private Limited Company: Sales tax / VAT /Service tax / Excise registration, / IT return of the concern, Water / Electricity / Registration under Shops and Establishment Act, PAN ID /Municipal tax bill in the name of the concern, Memorandum and Articles of Association

  • 2. Proof of Individual Identity: Proof to be submitted for the authorized signatories and about two directors (which includes the managing director) (any one of the following): PAN card, Voter’s identity card, Driving license and Passport

How to Apply

Simply fill this form and we will guide you with whole process.

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