Startup Loan
Early-stage funding for businesses with limited operating history but strong fundamentals — built for founders who don't yet have years of financials to show.
For early-stage businesses ready to scale beyond bootstrap funding
If you've validated your business model and need capital to grow but don't have the multi-year track record traditional business loans require, startup-focused lending products and government schemes may fit better.
Do you qualify?
- Registered business entity (proprietorship, partnership, or company)
- Clear business plan and use-of-funds rationale
- Promoter credit history reviewed where applicable
- May qualify for government-backed scheme support (e.g. Startup India, Mudra)
What you'll need to send
Send these directly on WhatsApp — one by one or all together. We'll let you know what's verified and what's still pending as you go.
- Aadhaar & PAN card (all promoters)
- Business registration documents
- Business plan / financial projections
- Bank statements (available history)
- Any existing GST/ITR filings
Why apply for this through Ikaya
Scheme-linked support
Many startups qualify for government-backed schemes that ease collateral and eligibility requirements.
Lender matching for early-stage
We connect you with NBFCs and banks specifically comfortable lending to newer businesses.
Guidance on documentation
We help you present limited financial history in the way lenders actually evaluate it.
Common questions
Can I get a loan with less than a year of operations?
It's more limited, but some lenders and schemes specifically cater to early-stage businesses — we'll assess what's realistically available for your stage.
Do I need collateral as a startup?
Several government-backed schemes reduce or remove collateral requirements for eligible startups — worth checking before assuming you need security.
Ready to check what you're eligible for?
Send your details on WhatsApp — get an estimate in minutes.
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