MSME & Business Loans
Fueling local commerce. We provide structured financial facilities for merchants, manufacturers, and service providers to scale their operations efficiently.
Tailored Corporate Finance
We don't just offer loans; we offer partnerships. Our credit solutions are custom-built around your cash flow cycles and business models.
Cash Credit (CC)
Flexible working capital limits against your business stock and book debts. Pay interest only on what you use.
Term Loans
Long-term financing for purchasing heavy machinery, commercial vehicles, or expanding your infrastructure.
Mortgage Loans
Unlock the value of your commercial or residential property to inject liquidity directly into your business.
Required Documents
Please keep the following KYC documents ready for a smooth account opening process.
Business Identity & Financials
- GST Certificate & Udyam Registration
- Audited Balance Sheets (Last 3 Years)
- Income Tax Returns (Last 3 Years)
- Current Account Bank Statement (Last 12 Months)
Loan Specific
- Project Report for New Expansions
- Details of existing loans/liabilities
- Property Documents for Collateral Security
Business Finance FAQs
What is the difference between Cash Credit (CC) and Term Loan?
Cash Credit (CC) is a working capital facility for daily operations where interest is charged only on the utilized amount. A Term Loan is disbursed as a lump sum for fixed asset purchases (like machinery) and is repaid in fixed EMIs.
Is collateral mandatory for Business Loans?
Yes, as a cooperative bank, business loans typically require primary security (hypothecation of stock/machinery) and collateral security (immovable property).
Ready to apply for your Business Finance Facility?
Visit your nearest DHUSBN branch today with the required documents for fast processing and quick disbursal.