Blink Finance

Secure the future of your enterprise with Blink Finance’s strategic Long-Term Business Loans. Specifically designed for capital-intensive needs, our term loans provide high-value funding with extended repayment periods of up to 10 years. Whether you are funding an industrial project, acquiring commercial property, or expanding your manufacturing plant, we provide the low-interest capital you need to grow without pressure.

Long-term loans are the backbone of sustainable business growth. At Blink Finance, we specialize in Debt Syndication for term loans ranging from ₹1 Crore to ₹100+ Crores. We handle the entire process—from preparing a bank-grade Detailed Project Report (DPR) to expert liaison with over 50+ nationalized and private banks.

• Business Expansion: Setting up new branches, offices, or manufacturing units.

• Commercial Real Estate: Purchasing land or building for industrial use.

• Debt Restructuring: Consolidating high-interest short-term debts into manageable long-term EMIs.

• Asset Acquisition: Funding high-value infrastructure and heavy machinery.

• Entity Profile: Private Ltd, Public Ltd, Partnership firms, and LLPs with a stable track record.

• Vintage: Minimum 3–5 years of active business operations.

• Financial Stability: Consistent growth in turnover and net profit over the last 3 financial years.

• Creditworthiness: Promoter CIBIL score of 725+ and a healthy Credit Monitoring Arrangement (CMA) report.

• Collateral: Usually requires primary security (the asset being funded) and/or collateral security (property/liquid assets).

• Interest Rate (ROI): 8.25% to 11.50% p.a. (Based on project risk and credit rating).

• Loan Tenure: 5 to 10 Years (Including a moratorium period where applicable).

• Funding Amount: ₹50 Lakhs to ₹100+ Crores.

• Processing Fee: 0.50% to 1.25% of the sanctioned amount.

• Corporate KYC: MOA/AOA, COI, Partnership Deed, GST, and Udyam Registration.

• Financial History: Last 3 years of Audited Balance Sheets, P&L accounts, and Audit Reports.

• Banking History: Last 12 months' statements for all active business and director accounts.

• Income Tax: ITR for the last 3 years with computation of income.

• Project Documents: Detailed Project Report (DPR), CMA Data, and quotations for the proposed investment.

• Property Documents: Copy of title deeds for the property being offered as collateral.

Commercial loans are designed for businesses that have moved beyond the startup phase and require substantial capital for sophisticated needs. At Blink Finance, we act as your strategic partner to navigate the complex corporate credit landscape, ensuring your application is positioned for maximum approval.

• Operational Expansion: Funding for new office spaces, warehouses, or retail outlets.

• Strategic Growth: Mergers, acquisitions, or diversification into new product lines.

• Working Capital Boost: Large-scale credit lines for inventory and supply chain management.

• Commercial Asset Purchase: Funding for company vehicles, heavy equipment, or IT infrastructure.

• Entity Type: Private Limited Companies, Public Limited Companies, Large Partnerships, and LLPs.

• Business Vintage: Minimum 3 to 5 years of profitable operations.

• Turnover: Minimum annual turnover of ₹2 Crore to ₹5 Crore (preferred).

• Credit Profile: Strong corporate CIBIL score and a positive CMR (Credit Monitoring Report).

• Financial Health: Healthy Debt-to-Equity ratio and consistent Interest Coverage Ratio (ICR).

• Interest Rate (ROI): 8.75% to 12.00% p.a. (Reducing balance, based on credit rating).

• Loan Tenure: 3 to 7 Years (Flexible repayment schedules available).

• Funding Amount: ₹1 Crore to ₹100+ Crores.

• Processing Fee: 0.50% to 1.00% of the loan amount.

• Corporate KYC: COI, MOA & AOA, Board Resolution, and GST Registration.

• Promoter KYC: PAN & Aadhaar of all Directors/Partners.

• Financial Records: Last 3 years of Audited Balance Sheets, P&L accounts, and Audit Reports (including schedules).

• Banking History: Last 12 months' statements for all operative business accounts.

• Tax Compliance: Latest GST returns (GSTR-3B) and ITR for the last 3 years.

• Existing Obligations: Sanction letters of all current loans and a track record of their repayments.

A Business Loan is a financial product provided by banks, financial institutions, or online lenders specifically to fund commercial needs.It is essentially debt capital that a business borrows and agrees to repay over a set period with interest.

Key Purpose and Uses

Business loans provide the necessary capital for enterprises to start, grow, manage day-to-day operations, and seize new opportunities without diluting ownership (unlike equity financing).

A Business Loan is a financial product provided by banks, financial institutions, or online lenders specifically to fund commercial needs.It is essentially debt capital that a business borrows and agrees to repay over a set period with interest.

Key Purpose and Uses

Business loans provide the necessary capital for enterprises to start, grow, manage day-to-day operations, and seize new opportunities without diluting ownership (unlike equity financing).

Established in the year of 2025, We “Blink Finance” are Service Provider of Unsecured Corporate Loan Service, Business Loan Service, Working Capital Loan Service, Cash Credit Loan Service, MSME Loan Service, Finance Loan Service. We direct all our activities to cater the expectations of customers by providing them excellent quality products as per their gratification. Moreover, we follow moral business policies and crystal pure transparency in all our transactions to keep healthy relations with the customers.

For our accomplishment story, we are grateful to our (C.E.O) “Mr.Ashish Ashok Ghadge” whose continual backing and direction have been useful to us for attaining exponential development in the current market.

• At Blink Finance, We Understand That Every Financial Need Is Unique, And That's Why We Take Pride In Offering A Diverse Range Of Loan Products Tailored To Suit Your Specific Requirements. Whether You're Looking To Fund Your Dream Home, Expand Your Business, Or Navigate Unexpected Expenses, We Have The Expertise And Resources To Guide You Through Every Step Of The Lending Process.
• As A Responsible Finance Company, We Adhere To The Highest Industry Standards And Prioritize Responsible Lending Practices. We Work Closely With Our Clients To Ensure They Understand The Terms Of Their Loans And Provide Ongoing Support To Help Them Manage Their Finances Effectively.
• Beyond Providing Loans, Blink Finance Is Invested In Building Lasting Relationships With Our Clients. We Aim To Be A Reliable Financial Partner Throughout Your Journey, Adapting Our Services To Meet Your Evolving Needs.
• Welcome To A Future Of Financial Success With Blink Finance.