India's SMEs build the most resilient businesses in the country. They deserve credit that respects that — structured, patient, and built around how they actually operate.
Fixed-tenure financing for capex, expansion, or long-term projects. Repayment structured around your cash flow.
Explore product →Revolving credit that moves with your business. Draw when you need it, repay when collections come in.
Explore product →Convert outstanding invoices into immediate liquidity — without waiting 60–90 days for customers to pay.
Explore product →We evaluate businesses holistically — not just their credit score. Here is what we typically look for.
At least two full financial years of operating history and audited accounts.
Growth-stage SMEs that have proven their model and are ready to scale.
All registered structures. Collateral requirements vary by entity type.
Manufacturing, distribution, healthcare, logistics, food processing, tech services, and more.
Property, machinery, receivables, or hybrid structures. We do not insist on property alone.
Eligibility is a starting point. Share your situation and we will tell you honestly what is possible.
Talk to us →Tell us about your business and what you need. No paperwork yet — just a conversation.
Your relationship manager calls within 24 hours to understand your operating model and financials.
We present a credit structure tailored to your cash flow — amount, tenure, and repayment schedule.
Documentation, verification, and capital in your account. Your RM stays with you through the tenure.
Not necessarily. We evaluate collateral flexibly — machinery, receivables, stock, or a combination can substitute for property, depending on the deal structure and your business profile.
Typically: 2–3 years of audited financials, latest GST returns, 12 months of bank statements, KYC of promoters, and business registration documents. Our team will give you a specific checklist after the initial call.
From initial inquiry to disbursement typically takes 10 to 14 working days, depending on complexity and documentation speed. Working capital lines can often be set up faster.
Rates depend on your business profile, credit history, collateral, and deal structure. We present rates transparently in our credit proposal — no hidden charges or teaser rates that change post-sanction.
Yes. We work with businesses across India, including Tier 2 and Tier 3 cities. Our co-lending facilities are specifically designed to reach underserved markets.
Ready to start?
No commitment. Just a conversation to understand if Aterna is the right fit for you.
Apply now →