Firstfund is not a lender. Loans come from RBI-regulated banks and NBFCs.
Working capital loan
Cover salaries, rent, stock and bills while you wait for customers to pay. Share your business details once and our team will connect you with RBI-regulated lenders.
What it can cover
Pay your team and your landlord on time.
Power, transport and other running costs.
Stock up before your busy months.
Bridge the wait between invoice and payment.
Loan types that fit
Not sure which one you need? Tell us what the money is for and our team will help. Which types you can get depends on the lender and your business.
Draw up to a limit and pay interest only on what you use.
A lump sum you repay in EMIs over a short term.
Get cash now against invoices your customers haven’t paid yet.
Before you borrow
Lenders look at how long money is tied up between paying suppliers and getting paid.
What lenders look at
Eligibility
Each lender sets its own criteria. Keep these handy; you won’t need to upload them on Firstfund.
Good to know
For MSME term loans, the lender must give you a Key Fact Statement with the APR, every fee and the repayment schedule before you sign. A fee that isn’t in it can’t be charged without your consent.
For floating-rate business loans to individuals and micro and small enterprises, sanctioned or renewed from 1 January 2026, banks and larger NBFCs can’t charge a prepayment fee. Small finance banks, regional rural banks, some co-operative banks and mid-sized NBFCs can’t charge one on such loans up to ₹50 lakh.
Firstfund doesn’t charge you to apply. A real lender pays the loan into your business’s bank account, deducts any processing fee shown in the KFS, and never asks for money upfront.
Based on Reserve Bank of India directions on Key Facts Statements (2024), pre-payment charges (2025) and digital lending (2025). Your lender’s KFS and loan agreement have the final terms.
Questions
An overdraft suits costs that go up and down, since you pay interest only on what you use. A term loan suits a fixed, one-off need.
Not always. Smaller limits are often unsecured; larger ones may need security such as property, stock or receivables. CGTMSE, a government guarantee scheme, lets lenders fund micro and small enterprises without collateral.
Some lenders lend to newer businesses, often for smaller amounts. Many ask for at least 2 years of history, and some accept 1. Mudra loans also serve new micro businesses.
No. Sharing your details with Firstfund is free. Lenders may charge a processing fee, which they must show in the Key Fact Statement.
Other uses
Your next step
Share your details once. Our team will connect with you about the next steps.
Free. Firstfund never asks for an upfront payment.