Grow Your Business with the Right Financial Support | Business Loans | Working Capital | Home Loans | LAP | Machinery Finance Grow Your Business with the Right Financial Support | Business Loans | Working Capital | Home Loans | LAP | Machinery Finance

General FAQ’s

Regular FAQ’S

Frequently Asked Questions

  • What financing solutions does FinBex provide?

    FinBex offers unsecured business loans, home loans, working capital (CC/OD), machinery & equipment loans, loan against property, and supply chain & invoice discounting.

  • What is an unsecured business loan?

    It is collateral-free financing for eligible businesses, subject to eligibility and lender policy.

  • Who can apply for business financing?

    Startups, SMEs and enterprises meeting the applicable lender's eligibility criteria may apply.

  • What documents are generally required?

    Typically business registration documents, KYC, bank statements and financial records. Requirements vary by lender and facility.

  • How does home loan financing work?

    Home loan financing helps eligible applicants fund the purchase or construction of a residential property, with the loan amount, tenure and rate based on income and property value, subject to applicable lender criteria.

  • What is the difference between CC and OD?

    Cash Credit (CC) and Overdraft (OD) are both working capital facilities that allow withdrawals beyond your account balance up to a sanctioned limit, structured differently by the lender.

  • What is Loan Against Property?

    Secured business financing where eligible residential, commercial or industrial property may be used as collateral, subject to lender policy.

  • How does invoice discounting work?

    Eligible unpaid B2B invoices may be financed to provide earlier liquidity, subject to applicable lender or platform criteria.

  • How long does the financing process take?

    Timelines vary depending on the lender, facility type and completeness of documentation submitted.

  • Does approval depend on the business credit profile?

    Yes, business vintage, turnover, banking history and credit profile are typically considered by lenders.

  • Can an existing business apply for additional financing?

    Yes, existing businesses may apply for additional financing, subject to eligibility and lender assessment.

  • How can I apply?

    You can reach out through our contact page or call us directly, and an advisor will guide you through the process.

  • Are interest rates and charges fixed?

    No, interest rates, processing fees and charges vary by lender and business profile and are not guaranteed or fixed.

  • Who provides the final loan approval?

    Final approval and terms are determined by the respective lender, based on their credit assessment and policy.

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