SMALL BUSINESS LOANS

ICICI BANK

1. WORKING CAPITAL FINANCE: LOANS FOR YOUR DAY TO DAY

BUSINESS NEEDS
Innovative financing designed to fuel your business
Managing finance is unarguably the most important component of any business.
For SMEs, timely finance is the key to making the most of business opportunities.
Keeping this in mind, we at ICICI Bank have designed a package of loans to best
suit their business requirements.
Get Export Credit, Overdraft facility, Bank Guarantees and other products from ICICI Bank designed to
meet your Working Capital Needs. Quick processing, multiple collateral options and competitive interest
rates ensure that this is the best option for your business.

You can get the following loans/facilities from ICICI Bank to manage your Working Capital

Cash Credit limit/Overdraft facility to meet your everyday requirements

Working capital limits to meet your export requirement. Export Credit for providing Pre and Post-Shipment
finance to exporters
Working capital limits in form of non fund based facilities Letters of Credit and Buyers Credit to ensure
timely delivery of goods
Various types of Bank Guarantees to meet performance and financial obligations

2. TERM LOANS: INVEST IN YOUR BUSINESS

Fund your expansion and asset purchases

Avail ICICI Banks Term Loans to make long term capital investments, whether in
plant and machinery or commercial assets.

Borrow to expand your business and purchase commercial assets

Avail Term Loans to buy Commercial assets, set up a new industrial unit or expand/modernise your existing
unit.

Features and Facilities

Flexible repayment tenure

Assessment based on future cash flows
Composite loans comprising working capital and term loans provided for meeting all financial requirements
Tenure up to 7 years
Collateral Free Term Loans also available (up to Rs. 1 crore) under CGTMSE scheme.

3. LOANS FOR NEW ENTITIES

The initial period is most difficult for a new business startup. Get working capital, cash
credit facility and other loans from ICICI Bank after just a year of operations.

Whether a first time borrower or a newly started business, ICICI Bank can address all your needs to meet
your day to day operating expenses. Our Business Loans products are specially designed to finance
Manufacturing, Retail, Wholesale, Trading (Import/ Export) and service industries.

Features and Facilities

Cash Credit/ Overdraft/ Export Credit and non-fund based facilities for manufacturers, traders and service
providers that are 1 year or older
Term Loans for purchase of commercial assets and business expansion needs

4. COLLATERAL FREE LOANS

Get cash credit and term loan through a government backed CGTMSE loan up to Rs. 1
crore

Fund your business without any collateral

We at ICICI Bank understand that viable small businesses need loans to grow, but may not always have
the requisite collateral. So, speak to us about our Collateral Free Loans.

Types of Collateral Free Loans

Smart Business Loan

Smart Business Loan (SBL) is an unsecured overdraft facility up to Rs. 25 lakh given to existing ICICI Bank
customers.
CGTMSE
Get Cash Credit and Term Loan under CGTMSE scheme up to Rs. 1 Crore
This is a Collateral free facility specially designed under the Credit Guarantee Fund Trust for Micro and
Small Enterprises (MSE's). (CGTMSE) scheme of SIDBI and Ministry of Small and Medium Enterprises as
defined under MSMED Act, 2006.

5. LOANS WITHOUT FINANCIALS

Business loans based on past transaction history

As we strive to create innovative products for the MSME segment, we offer loans to eligible customers on
the basis of their past transaction history without the requirement of audited financials.

Features & Facilities offered :

Loans upto 50 lakh based on transaction history in the nature of overdraft and non fund based facilities
No requirement of audited financials
Minimum vintage of 3 years required

Why Choose ICICI Bank?

De-centralised operations for fast processing and quick availability of loans

Convenient documentation process for ease of execution
Dedicated and exclusive relationship managers for meeting all your requirements
Competitive interest rates, commission and charges
3000 plus branch network with Anywhere Banking for ease of operations, collections, payments and
accessibility

6. FINANCE FOR IMPORTERS & EXPORTERS

Get Export Finance, Letter of Credit, Bank Guarantees and foreign currency loans to support your
business.
An exporter/ importer requires timely finance to make the most of Business opportunities. Therefore, ICICI
Bank helps you meet all your financial needs via the host of innovative products and services, forex and
hedging solutions.

Features and Facilities

As an exporter, you get export credit for Pre-Shipment and Post-Shipment finance
Letters of Credit for facilitating trade
You can get loans in foreign currency (export credit and buyers credit) for reducing forex risk and lower
borrowing costs
Hedge your foreign exchange risk using derivative solutions such as forwards and options