Most requested
Business Loan
Funding for expansion, inventory, equipment or working capital, matched to your business profile and repayment capacity.
- Options from multiple lenders
- Help choosing the right structure
- Documentation support
Business Financing · Surat
The Right Funding for Your Next Business Milestone.
Explore business financing options with expert guidance tailored to your business needs.
✧18+ years guiding businesses · 35+ lending partners
35+ Banks & NBFCsOne enquiry, multiple options
18+Years of experience
35+Banking & NBFC partners
10,000+Loans facilitated
Loan products
Financing Built Around Your Business
Four ways to fund growth, working capital and bigger plans.
CGTMSE Business Loan
Credit for eligible micro and small enterprises under the CGTMSE scheme, through participating lenders.
- For eligible MSEs
- Collateral as per scheme & lender
- Eligibility guidance
OD / CC Facility
Revolving working capital linked to your turnover and cash flow, for traders and manufacturers.
- Interest usually on amount used
- Flexible day-to-day access
Loan Against Property
Use eligible residential or commercial property to fund larger business requirements over longer tenures.
- Based on property value
- Longer repayment tenures
Why LOANCS
Business Financing, With Clarity.
From understanding your requirements to navigating lender processes, LOANCS helps simplify your financing journey.
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Multiple Lending Partners
Compare options across 35+ banks and NBFCs.
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Business-Focused Guidance
Advice shaped around how your business runs.
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Documentation Assistance
Help organising what lenders usually ask for.
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Transparent Communication
Clear updates from enquiry to decision.
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Application Support
Support preparing and submitting your file.
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Local Assistance
A Surat team that knows local businesses.
About LOANCS
Business Financing Specialists from Surat
LOANCS is an ISO 9001:2015 certified loan advisory firm headquartered in Surat, Gujarat. We help manufacturers, traders, distributors and SMEs understand their financing options and connect with suitable banking and NBFC partners. We start by understanding your business, then guide you to the loan structure, lender and documents that fit.
IntegrityTransparencyResponsivenessClient growth
18+Years
35+Lending partners
Mission
To simplify access to business financing through transparent guidance and dependable support.
Vision
To be the most trusted business financing advisor for growing enterprises in Gujarat.
How it works
A Simple, Guided Loan Journey
- 1
Share Your Requirements
Tell us about your business and the funding you need.
- 2
Preliminary Assessment
We review your profile and suggest suitable products.
- 3
Lender Matching and Application
We help you choose a lender and prepare the file.
- 4
Lender Review and Decision
The lender appraises your file and shares its decision.
EMI calculator
Estimate Your Monthly Repayment
Adjust amount, rate and tenure for an indicative figure.
₹10,00,000
14%
5.0 yrs
Monthly EMI₹23,268
PrincipalInterest
- Total interest
- ₹3,96,080
- Total repayment
- ₹13,96,080
Estimated monthly interest₹7,000
- Amount utilised
- ₹6,00,000
- Yearly interest
- ₹84,000
OD / CC interest is usually charged only on the amount used, not the full limit.
Indicative only. Actual EMI, rates and terms depend on lender policies and credit appraisal.
Eligibility checker
Check Your Loan Eligibility
Two quick steps. No documents needed.
Step 1 of 2 · Loan type
Which loan are you looking for?
Business vintage
Annual turnover
Loan amount required
ITR / GST filed regularly?
Any defaults or delays in the last 2 years?
Preliminary and for information only — not a credit decision or pre-approval. Final eligibility depends on lender policies, appraisal, verification and documentation.
Service areas
Headquartered in Surat, Serving South Gujarat
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Surat — HeadquartersSurat, Gujarat, India
Nearby areas we assist
BardoliNavsariBharuchAnkleshwarValsad
FAQs
Frequently Asked Questions
What types of loans does LOANCS assist with?
LOANCS assists with Business Loans, CGTMSE Business Loans, OD / CC facilities and Loans Against Property.
Who can apply for a business loan?
Proprietors, partnerships, private limited companies, manufacturers, traders, wholesalers, distributors and SMEs may apply, subject to lender eligibility criteria.
What is a CGTMSE Business Loan?
It is a credit facility for eligible micro and small enterprises covered under the Credit Guarantee Fund Trust for Micro and Small Enterprises framework, offered through participating lenders.
What is the difference between OD and CC?
An Overdraft (OD) is usually linked to a current account or security such as property or deposits, while Cash Credit (CC) is typically secured against stock and receivables. Both offer revolving working capital.
Can I calculate my business loan EMI online?
Yes. Use the EMI calculator on this page for an indicative monthly repayment estimate.
What documents may be required?
Commonly requested documents include KYC, business registration, GST returns, bank statements, ITRs and financial statements. Exact requirements vary by lender and product.
How long does loan approval take?
Timelines depend on the lender, product and completeness of documentation. Our team keeps you updated throughout.
Does LOANCS guarantee loan approval?
No. All loans are subject to lender policies, credit appraisal, verification and approval. LOANCS provides guidance and assistance.
Where does LOANCS provide services?
LOANCS is headquartered in Surat and assists businesses across Surat and nearby areas of South Gujarat.
How can I enquire about a loan?
You can submit the enquiry form on this website or contact the LOANCS team on WhatsApp at +91 93162 26033.
Contact us
Let's Discuss Your Business Funding Needs.
Share your requirements and connect with our team to explore suitable options.