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Corporate Business Loan

Corporate Business Loans provide tailored, large-scale financial backing for established enterprises, public firms, and large private companies needing funds for growth, capital expenditure, and operational scaling.

Designed to meet complex financing requirements, these loans are structured with competitive rates, flexible repayment tenures up to 10 years, and a deep understanding of industry-specific financial cycles.

Partner with Dhanam for strategic funding solutions that support mergers, acquisitions, and extensive infrastructure development.

Corporate Business Loan EMI Calculator

Corporate Loans are essential for large-scale operations, capital expansion, asset acquisition, and mergers. Understanding your Equated Monthly Installment (EMI) is crucial for managing the financial health of your enterprise.

Use Dhanam's Corporate Loan EMI Calculator to estimate the repayment burden before committing to a loan. Adjust the sliders for the required funding amount and the intended repayment period to view instant, reliable EMI calculations.

Corporate Loan Icon

Loan Tenure

84 Months

Monthly Loan EMI

₹0

Quick EMI Estimation

₹1,50,00,000
₹10 Lakh₹10 Crore
84 Months
1 Year10 Years

NOTE: Rate of interest and EMI shown above is based on the base rate and applicant's eligibility. This is subjected to change on real time basis in accordance with Dhanam policy.

APPLY FOR ONLINE CORPORATE LOAN

Secure large-scale financing with tailored solutions for your corporation.

What is a Corporate Business Loan?

A **Corporate Business Loan** is large-scale funding extended to medium and large enterprises, public limited companies, and corporations. These loans are typically used to finance major capital expenditures, manage extensive working capital needs, acquire new technology or machinery, or fund expansion projects, including mergers and acquisitions. Unlike SBLs, these loans often involve a deeper assessment of corporate assets and sophisticated financial models.

Types of Corporate Financing Available

Corporate financing can be tailored to various strategic needs. Dhanam offers flexible products, including:

  • >Term Loans: Fixed amounts repaid over a set period, used for purchasing major assets (e.g., equipment, real estate).
  • >Working Capital Loans: Used to cover short-term operational needs like inventory, receivables, and day-to-day cash flow management.
  • >Project Finance: Dedicated funding for specific large industrial or infrastructural projects, often involving complex security and repayment structures.

Why Choose Corporate Loans from Dhanam?

For corporations, financing is a strategic necessity, not just a matter of necessity. Dhanam offers deep industry knowledge and bespoke financial solutions designed to support your company's growth trajectory and minimize financial risk.

  • >High Quantum Funding: Access to significantly larger loan amounts suitable for capital-intensive corporate needs.
  • >Competitive Pricing: Interest rates and processing fees are structured competitively based on the corporate entity’s comprehensive financial risk profile and collateral.
  • >Customized Repayment: Flexible repayment schedules that align with your company's cash flow cycles and project milestones.

Eligibility and Documentation for Corporate Loans

Eligibility is determined by the corporation's turnover, profitability, Debt Service Coverage Ratio (DSCR), and collateral offered. Unlike SBLs, the focus is heavily on institutional financial health.

  • >Financial Statements: Audited Balance Sheets, Profit & Loss Statements, and Cash Flow Statements (typically for the last 3-5 years).
  • >Corporate Structure: Memorandum and Articles of Association (MoA/AoA), Certificate of Incorporation, and Board Resolutions.
  • >Banking and Credit: Detailed business bank statements and comprehensive credit reports (CIBIL/Equifax) of the company and key directors/promoters.

The Corporate Loan Application Process

The process is meticulous, starting with an initial credit appraisal based on the submitted comprehensive financial proposal. This is followed by detailed due diligence, facility sanctioning by the credit committee, legal documentation, and finally, fund disbursement, often tied to specific project milestones.

FAQs
A Corporate Loan generally involves a much higher loan quantum, is often secured by substantial corporate assets (or guaranteed by promoters), and requires more complex financial and legal documentation compared to a Small Business Loan.
The maximum loan amount is determined on a case-by-case basis, based on the corporate entity's turnover, asset base, financial track record, and specific project requirements. Amounts can range significantly higher than standard SBL limits.
The interest rate is influenced by the company's Credit Rating, the level of security/collateral provided, the tenure of the loan, the current economic climate, and the overall financial health and operational stability of the corporation.
For large loan amounts, collateral (such as property, equipment, or business assets) is typically mandatory to mitigate risk and secure a lower interest rate. Unsecured facilities are generally limited to smaller amounts and high-rated companies.
The process is more extensive than SBLs due to the detailed financial due diligence, legal checks, and credit committee approval required. The timeframe varies significantly based on the completeness of documents and the complexity of the loan structure.
Yes, Dhanam provides specialized M&A financing options, structured as Term Loans or structured facilities, designed to fund corporate consolidation and strategic acquisitions.