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Find your fit from our wide range of financing solutions:

Easy to avail products
Secured Loans
Unsecured Loans
Government Schemes

Easy to avail products

No financial statements required

Digital processing

No prepayment or foreclosure charges

Easy to avail products

Instant Overdraft (InstaOD Plus)

  • Instant collateral-free overdraft up to Rs 50 lakh

Insta Secured Overdraft

  • Pre-qualified overdraft for existing ICICI Bank Current Account customers

GST Business Loan

  • Funding up to Rs 3 crore basis your GST returns

Secured Loans (Collateral – Based Loan)

Pledge an asset as a collateral or security to fulfil your working capital and long-term funding requirements

Digital application & documentation

Loans up to turnover of Rs 750 crore

Competitive interest rate

Secured Loans (Collateral – Based Loan)

GST Business Loan

  • Funding up to Rs 3 crore basis your GST returns

Insta Secured Overdraft

  • Pre-qualified overdraft for existing ICICI Bank Current Account customers

SuperBiz

  • Fund and Non-Fund based facilities based on applicant and co-applicant’s income

Balance Takeover

  • Transfer your working capital to ICICI Bank with higher limits

Working Capital Basis Financials

  • Funding basis your financial statements

Overdraft against Fixed Deposits

  • Credit against your own or third party fixed deposits

Term Loan

  • Avail funds to buy commercial assets, set up a new industrial unit or expand/modernise your existing unit

Unsecured Loans

Loans without collateral or security

Overdraft up to Rs. 50 lakhs

Instant sanction and disbursement

Paperless processing

Unsecured Loans

Instant Overdraft (InstaOD Plus)

  • Instant collateral-free overdraft up to Rs 50 lakh basis your banking transactions and credit score

Government Schemes

Government supported loans for Micro, Small and Medium Enterprises (MSMEs)

Lower rate of interest

Easy access to credit

Expansion of business

Government Schemes

Stand Up India

  • Business Loan for scheduled caste/scheduled tribe and/or women entrepreneurs for setting up a new business / startup

MUDRA

  • Loans for non-corporate, non-farm micro/small businesses

CGTMSE

  • Collateral-free credit facilities for new as well as existing Micro and Small Enterprises (MSEs) engaged in manufacturing or service

Business Banking services at your finger tips

  • Step 1: InstaBIZ App
    • A business banking super app that provides all services under one roof to help you with your daily business needs. Apply for an Overdraft, make payments and a lot more on the go.
  • Step 2: Trade Online

    A unique platform enabling corporates to submit trade finance transaction requests like issuance and amendment of Bank Guarantee and Letters of Credit, Outward Remittances and much more.

    Benefits include:

    • Seamless trade transaction submission for current account customers
    • Templatization of repetitive transactions
    • Customised authorisation matrix at customer end
    • Quicker turnaround time for closure of trade transaction requests
  • Step 3: DigitalLite

    A first of its kind, plug-n-play digital supply chain financing platform that enables corporates to seamlessly manage the supply chain financing requirements of their dealers and vendors. The benefits include:

    • 24x7 quick access to finance for dealers and vendors
    • Digital Dashboard to track real-time lead status
    • Leveraging ICICI Bank’s pan-India reach
    • Option to extend financing to Tier 1 and Tier 2 channels
  • Step 4: CorpConnect

    A unique and first of its kind digital B2B ecosystem platform — ‘Digital Financial and Supply Chain Platform’, which enables corporates to seamlessly connect with their supply chain network constituents like dealers/vendors/other Micro, Small and Medium Enterprises (MSMEs).

    • One-stop digital solution for dealers/ vendors for business transactions
    • Dealers and vendors can track order, payments, avail of digital financing and transact with corporate and the bank
    • Digital and paperless process that facilitates supplier and dealer financing from ICICI Bank.

Frequently asked questions

What is Working Capital?

The amount of capital/funds available with the company for day-to-day business expenses is known as working capital. It could be used for short-term operational needs of a business such as raw material procurement, vendor payments, rent, cash flow management, etc.

What is a Term Loan?

Term Loan is a medium to long-term loan with a specific period and repayment schedule. It could be used for purposes such as purchase of land and building, expansion of business operations, purchase of plant and machinery, etc.

What is an Overdraft?

Overdraft is a credit facility in which the bank allows you to withdraw money from your current account even if the balance is zero.

What is the difference between Fund and Non-Fund based facility?

Fund based facilities are those financial products that allow you to draw the funds physically from the account. Fund based facilities include Overdraft, Cash Credit, Export Packing Credit and Dropline Overdraft. Non-fund based facilities aren’t physical funds but more of a financial support promise from the back. Non-fund based facilities include Bank Guarantee, Letter of Credit.

Which entities can avail a Business Banking Loan?

The below entities can avail a Business Banking Loan:

  • Sole Proprietorship

  • Partnership

  • Private/Public Limited Company

  • Limited Liability Partnership (LLP)

Can I get a working capital facility without collateral?

Yes, you can get a working capital facility without collateral. These facilities are often called as unsecured or collateral-free facilities. ICICI Bank offers InstaOD which offers a limit up to Rs 50 lakh to existing ICICI Bank Current Account holders and Rs 25 lakh to customers who do not have any account with ICICI Bank.

Will I be assigned a dedicated Relationship Manager for assistance?

Yes, you will be assigned a dedicated Relationship Manager who will assist you from the start of your inquiry and at all stages of the application process. He/she will keep on supporting and helping you for all the business banking needs.

 

 

 

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