SME LOANS

Better your business potential with SME Loans
Chola SME Loans are business loans created exclusively for Small and Medium Enterprises to grow and diversify their business. Chola offers a range of financial solutions to meet your specific short-term or long-term funding and business expansion requirements.


  • Term loans funded for business expansion or asset acquisition or debt restructuring
  • Loans ranging from INR 10 Lakhs to INR 20 Crores
  • Convenient repayment options
  • Flexible tenure
  • Loans for Small and Medium Business
  • Loans to Private Limited Companies, Partnership Firms or Proprietorship Concerns
  • Acceptable Collateral: Commercial Property/Residential Property/Industrial/Factory Land and Building
  • Excellent service at all branches

Help your dealers and suppliers to scale up and meet growing demands with our range of financial solutions for supply chain partners.
  • Vendor Financing/ Purchase Invoice discounting
  • Channel Finance
  • Sales Invoice discounting

Vendor Financing/ Purchase Invoice discounting

  • Your vendors can get finance against specific transactions via invoice discounting
  • We can fund your working capital needs with stand-alone products
  • Excellent service with a dedicated support team
  • Repayment will be through NACH/RTGS of Anchor
  • Limit ranging from INR 20 Lakhs to INR 3 Crores

Sales Invoice discounting

  • Suppliers of large corporates can get finance against specific transactions via invoice discounting
  • We can fund your working capital needs with stand-alone products
  • Excellent service with a dedicated support team
  • Repayment will be through NACH/RTGS of Anchor
  • Limit ranging from INR 20 Lakhs to INR 3 Crores

Channel Finance Program

  • Build loyalty among your dealers/distributors by enabling them to get easy finance
  • Increase your sales by helping dealers/distributors scale up operations
  • Arrangement will be made with anchor to stop supply
  • Limit ranging from INR 20 Lakhs to INR 2 Crores

Our Partners

  • Indinvoice Tech Solutions Private Limited (Cashinvoice)
  • Desiderata Impact Ventures Private Limited (Progcap)
  • Phinchain Technologies Private Limited (FINCHAIN)
  • Mogli finance Pvt. Ltd. (Credlix)
  • Ramsun Enterprise Payments Network Pvt Ltd (Ramsun Network)
  • Frame Technology Marketing Services Private Limited (Loan Frame)
  • Mjunction Services Limited
  • Credavenue (CredSCF)
  • C2FO India Technologies Pvt Ltd (C2FO).
  • Mynd Fintech Private Limited
  • Standard Charted Research and Technology Pvt Ltd-(SOLV)

  • Funding for purchase of new and used machinery/equipment
  • Access funds across a large and expanding network of PAN India branches
  • Experience easy repayment that is matched to your cash flows
  • No additional collateral required
  • Financed equipment to be considered as security for the loan
  • Attractive rate of interest and flexible tenure
  • Loan value from INR 10 Lakhs to INR 3 Crores
We specialise in funding for
Machine Tools – CNCs, VMCs, Turning Centres, Gear Hobbing, etc.
Sheet Metals – Laser cutting machines, Shearing and Bending machines, Power Presses, etc.
Printing – Digital Printing machines, Offset Printing machines, Pre-Press, Press and Post Press equipment, etc.
Plastics and Packaging - Plastic Injection Moulding, Blow Moulding, Rubber Injection, etc.
Accessories – Air Compressors, Generators, Rotary Tables, MTCs, Chillers, etc.

The Loan Against Shares is a term loan against equity shares you own. It helps you gain the financial flexibility that you need without disrupting your long-term investment strategy.

Features

Interest Range Attractive rate of interest
Interest payment frequency Monthly
Loan Amount INR 20 Lakhs to INR 5 Crores
Maximum Loan to Value (LTV) 50% Valuation at lower of 30 days or Current market price for HNI funding and 90 days or Current market price for Promoter Funding.

We offer you the opportunity to purchase and exercise ESOPs (Employee Stock Options). ESOP Funding offers employees the chance to receive valuable capital to make the purchase and hold the shares until he sells them to make a profit. It is a valuable funding option that comes into effect when an employee faces shortfall in funds. This funding option quickly makes money available to purchase a large number of company shares. Loan against ESOP enables the employee to exercise their ESOPs.

Features

Interest Range Attractive rate of interest
Interest payment frequency On maturity or selling of shares, whichever period is earlier
Maximum Loan to Value (LTV) 50% Valuation at previous market price for ESOP funding.

*Terms & Conditions Apply
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