Business finance guides

Practical guides on working capital, developer finance, invoice discounting, LAP, project finance, eligibility, documents and costs in India.

Working Capital Construction Finance Inventory Funding Invoice Discounting Loan Against Property Vendor Bill Discounting Project Finance Developer Finance Eligibility and Documents Comparisons Costs and Rates

MoneyKarma

11 Oct 2026Working Capital

RBI Foreign Exchange Risk Reserve: What It Means for Importers' Working Capital

RBI's 10 October 2026 forex rules add a 20% cash reserve on large import hedges, tighten hedge documents and ban rebooking. What it means for your CC, OD and import costs.

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11 Oct 2026Working Capital

MSME Loan Without Collateral in India: CGTMSE, Mudra and the ₹20 Lakh Rule

RBI's ₹20 lakh collateral-free rule, Mudra and CGTMSE cover up to ₹10 crore, explained with 2026 limits, guarantee fees, worked examples and what lenders still check.

MoneyKarma

10 Oct 2026Working Capital

57th GST Council Meeting: What It Means for Your Working Capital

Faster system-based refunds, refunds of credit on input services and capital goods, and lower penalties. What the 57th GST Council meeting means for your CC, OD and cash flow.

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9 Oct 2026Inventory Funding

Inventory Funding for Real Estate: How to Borrow Against Unsold Units

How developers raise capital against finished or near-finished stock, and how lenders size and recover inventory loans.

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9 Oct 2026Construction Finance

RERA 70% Escrow Rule: How It Affects Construction Finance and Repayments

The RERA 70% rule explained: what goes into the separate account, how withdrawals are certified, and how lenders build repayment around it.

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9 Oct 2026Construction Finance

Construction Finance for Real Estate Developers: How Milestone-Linked Funding Works

How construction finance is sanctioned, disbursed in tranches and repaid through project escrow, with a worked drawdown example.

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9 Oct 2026Developer Finance

Bank vs NBFC vs Private Credit Fund: Who Funds Real Estate Developers and When

Banks, NBFCs and private credit funds each fit a different part of a developer's capital stack. Here is how they differ and how to choose.

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9 Oct 2026Developer Finance

Real Estate Developer Funding in India: Every Option from Land to OC

A stage-by-stage map of how Indian developers fund a project, what each type of lender can and cannot do, and what lenders check before they sanction.

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9 Oct 2026Loan Against Property

Loan Against Property for Business: How It Works, Eligibility and Costs

Use residential, commercial or industrial property to raise business capital. How lenders value, size and price a LAP, and what to check.

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9 Oct 2026Vendor Bill Discounting

Vendor Bill Discounting for Suppliers to Real Estate Developers: How It Works

Get paid early on approved bills raised on large real estate developers. Eligibility, the 10% margin and 90-day tenor, and the process.

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9 Oct 2026Invoice Discounting

Invoice Discounting vs Factoring vs Bill Discounting: Differences Explained

Four ways to turn receivables into cash, compared on control, recourse, cost and regulation, with a worked cost example.

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9 Oct 2026Working Capital

How Banks Calculate Your Working Capital Limit: Turnover Method, MPBF and Drawing Power

The three calculations behind most Indian working capital limits, with worked numbers you can apply to your own business.

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9 Oct 2026Working Capital

Cash Credit vs Overdraft: Differences, Limits and Interest Calculation

Cash credit and overdraft both give revolving credit, but they are secured, sized and monitored differently. Here is how to choose.

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9 Oct 2026Costs and Rates

Business Loan Interest Rates in India: How MCLR, EBLR and Spreads Work

What sits behind the rate on your sanction letter, how it resets, and how to compare offers on the real cost.

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9 Oct 2026Comparisons

Loan Distribution Platform vs DSA vs Going Direct to a Bank

Three ways to raise a business loan in India, compared on reach, speed, cost and borrower protection under RBI's rules.

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9 Oct 2026Eligibility and Documents

DSCR Explained: How Lenders Use Debt Service Coverage Ratio in India

The single ratio that decides how much most lenders will lend you, with the formula, two worked examples and practical ways to improve it.

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9 Oct 2026Eligibility and Documents

Documents Required for a Business Loan in India: Complete Checklist

One checklist for working capital, LAP, construction and project loans, plus the gaps that slow approvals down.

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9 Oct 2026Project Finance

Project Finance vs Corporate Finance: Which Suits Your Project?

Repaid from the project or from your balance sheet? The core differences, the RBI 2025 rules and a worked example.

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9 Oct 2026Costs and Rates

RBI Repo Rate Hike, October 2026: What It Means for Your Business Loans

The repo rate is now 5.50% and the stance is calibrated tightening. How and when that reaches your CC, OD, term loan, LAP or project loan, with worked numbers.