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Find your fit from our wide range of financing solutions:
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
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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.
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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
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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
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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.
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