Unsecured Term Loan
Business funding without collateral.
- Loan amountUp to ₹2 Cr
- Tenure12 — 60 months
- CollateralNone required
About this product
Why clients choose Viva Capital for UTL.
Unsecured term loans for capex, expansion, or strategic spend — sanctioned on the strength of your banking, GST, and ITR profile. No property pledge, fixed EMI structure.
What we offer
Key features
- Collateral-free borrowing for established businesses
- Fixed EMI with predictable repayment
- Tenures up to 5 years
- Quick processing once banking profile is shared
Who can apply
Basic eligibility
- Business operational for 3+ years
- Audited financials with positive PAT for 2 of last 3 years
- GST registration with consistent turnover
Keep ready
Documents required
- Last 3 years audited financials
- Last 12 months banking statements
- GST returns (last 4 quarters)
- KYC of proprietors / directors
A working promise
“A senior advisor reads your file, picks the lender most likely to approve it, and stays with the case until disbursal — even when the first bank says no.”
Our Process
From first conversation —
to disbursal and beyond.
A guided four-step process built around clarity and speed. No opaque hand-offs, no junior routing — one senior advisor walks the case through.
- 01
Profile Review
Tell us your goal. A senior advisor reads your file end-to-end and identifies the right route.
- 02
Bank Matchmaking
We compare offers across 40+ lenders and pick the one most likely to approve your profile, at the best rate.
- 03
Documentation
We simplify the paperwork and structure it the way underwriters can underwrite — no guesswork.
- 04
Sanction & Support
Funds in your account — and continued assistance after disbursal. We stay with the case.
Trusted by Leading Banks & NBFCs
