Cash-flow based appraisal
We study your actual turnover, receipts and repayment capacity, so a limited credit history does not close the door.
Yunash Micro Financing and Lending Limited provides fast, transparent and affordable business finance to micro enterprises, MSME units, traders and first-time borrowers who are served poorly by traditional banking.
Indicative figures only. Final terms are set after underwriting.
Estimates use an indicative 18% p.a. rate. Not an offer of credit.
We underwrite the cash flow and character of a business rather than relying entirely on collateral. That means first-time borrowers, home-based enterprises and small traders get a genuine assessment.
We study your actual turnover, receipts and repayment capacity, so a limited credit history does not close the door.
Digital document collection and in-person verification remove the weeks of branch visits that usually delay a small business.
Interest, processing fee and every other charge are disclosed up front in writing. What is quoted is what you repay.
Every borrower receives a Key Facts Statement, a cooling-off period and fair recovery conduct as per RBI guidelines.
Five lending products covering working capital, growth, asset purchase and enterprise formation.
For daily operations
A revolving-style facility to fund raw materials, stock purchases, salaries and supplier payments through the business cycle.
For growth & expansion
Fixed-tenure finance for machinery, equipment, capacity expansion and setting up new units or outlets.
For micro enterprises
Small-ticket loans to self-help groups and joint liability groups, structured collectively with shared accountability.
A deliberately short process. You will know the status of your application at every stage, and who to contact.
Share basic business and personal details. Upload KYC and bank statements, or submit them later at the branch.
A relationship officer visits your premises, confirms operations and discusses your requirement in person.
Our credit team reviews cash flow and viability, then issues a Key Facts Statement with the exact terms offered.
Sign the agreement, receive your sanction letter and get funds transferred to your business account.
Most of our borrowers are micro enterprises that have been profitable for years but lack the paperwork a bank wants. We build a file around the business that actually exists.
6+ months of bank statement turnover
Vintage of the business and existing liabilities
Field observations from the verification visit
Estimated gross margin on the financed activity
I had been turned away by three banks for lack of a credit record. Yunash assessed my actual sales, showed me the exact terms in writing, and released the funds in three days. I could pay back on time and my business survived the lean season.
Speak to a relationship manager about what your business needs. No obligation, no impact on your credit score just to ask.