Products

|| अर्थ मूलम् कार्यम् ||

- Money is base of all assignment

Our Products are designed to serve and fulfil the typical needs of the micro, small and medium enterprises in better faster and effective manner keeping larger scope of eligibilities.

We have two lending stream

  • Healthy Cases Funding
  • Unhealthy Cases Funding.

Healthy Cases Funding includes

  • Secured Loan
  • Unsecured Loan

Un-Healthy Cases Funding includes

  • Secured Loan
  • Loans combined with equity and financial control

Healthy Funding

Project Finance

Bell Finvest believes that innovation and expansion are essential for a successful business venture. With the right guidance and passion, we will give the right impetus to your growth aspirations.

Bell Finvest provide services like expansion, diversification, modernisation, balancing of equipment, quality certification and all other peripheral services which would aid in the value addition of your business entity.

Key Features:

  • Loan value up to 15 crores
  • Margin Requirement – Minimal on merits
  • Tenure - 1 to 7 Years
  • Security - Normally asset cover of 2.5 times, cash flow check
  • ROI – Depending upon the internal rating carried out by Bell Finvest & Credit scoring of promoters.
  • Registered Mortgage

Eligibility:

  • The company/firm must be in business for at least 3 years
  • Should not be Wilful defaulter by back ground
  • Should have adequate collateral to offer
  • Should have adequate cash flow in even manners.

Documentation:

  • Proposal Form Downloaded from our website with proper Order No.(Log In Id)
  • Company profile including existing product range
  • Promoter profile including KYC details
  • Purpose of the loan
  • Security offered
  • Audited balance sheets of the last 3 years
  • Bank statement of Last 1 Year

The credit officer might require additional documents during the credit evaluation for your Loan proposal.

To apply, just download suitable proposal form and email us at contactus@bellfinvest.com and we will get back to you with quick resolution.

Corporate Finance

Bell Finvest offers corporate lending that provides a hassle-free way of fulfilling your general working capital and expansion needs.

Salient Features of Corporate Finance services we provide:

Key Features:

  • Finance amount: Up to Rs. 3crore
  • Tenure: 10 months to 24 months
  • Larger tenure for secured loans
  • ROI – Depending upon the internal rating carried out by Bell Finvest & Promoters Credit Scoring
  • Must be corporate entity in true sense.
  • Instantly available and processed.
  • Secured /Unsecured options
  • Soft collaterals considered
  • Soft charge creation considered
  • Pre Closure facilities available

Business Loan & Personal Loan

Bell Finvest understands that every aspiring entrepreneur may not have the requisite backup to avail credit. That’s why we at Bell Finvest facilitate credit facilities to such thriving SMEs & individual to fulfil their financial needs.

We have certain criteria based on which a business entity can avail an unsecured loan.

You can avail Business loan & Personal Loan based on the repayment track record of:

  • Your existing Car Loan
  • Any other EMI based Loan
  • Your O/D Limit with your Bank
  • Your Cash Credit Limit with your bank
  • Your Bank statement of last 6 months
  • Your Life style.
  • Your business footfalls
  • Your credit history and scorings

Salient Features of Business loan& Personal Loan

  • Speedy approval & disbursement of loan
  • Monthly repayment mode ranging from 6 months – 15/24 months
  • Loan Size from Rs.1 Lac up to Rs. 50 Laces.

Who can avail such loans?

  • Private & Public Ltd. Company
  • Partnership Firm
  • Retail & Wholesale traders
  • Distributors
  • Individuals &Proprietorship concern
  • Artisans
  • Women Entrepreneurs

Key Features:

Finance are offered to companies/partnership firms in all sectors like automobiles, auto-ancillary, food and agro-processing, pharmaceutical, consumer durables etc. except for negative sectors and living creatures torturing and killing businesses.

  • The company/firm must be in business for at least 2/3 years.
  • Should not be willful defaulter y back ground
  • Salaried Employees, Government Employees & Micro and Small Enterprises etc.

Documentation:

  • Proposal Form Downloaded from our website with proper Order No.
  • Company/business profile including existing product range
  • Promoter profile including KYC details
  • Purpose of the loan
  • Audited balance sheets of the last 3 years
  • Bank statement of Last 1 Year

The credit officer might require additional documents during the credit evaluation for your Loan Proposal.

To apply, just down load suitable proposal from, fill and email us at contactus@bellfinvest.com and we will get back to you.

Term Loan

If you're looking to propel your new business or further enhance the output of your existing one, our term loan is the right choice. Acquire convenient business funding for general corporate purposes, against unencumbered security. Bell Finvest helps you uncover the true value of your property and help you meet your financial needs. We offer tailored loan products which would be suitable to your requirements against Residential property/ commercial/ plots/ land etc.

Key Features:

  • Finance amount: Based on valuation of collateral
  • Security: Normally asset cover of 2 to 3 times
  • Tenure: Up to 5/7 years linked to business cycle
  • ROI: Depending upon the internal rating carried out by Bell Finvest & Credit Scoring.

Eligibility:

  • Term Loan are offered to companies/partnership firms in all sectors like automobiles, auto-ancillary, food and agro-processing, pharmaceutical, consumer durables etc.
  • The company/firm must be in business for at least 3 years.
  • Should not be willful defaulter
  • Should have adequate collateral to offer

Documentation:

  • Proposal Form Downloaded from our website with proper Order No.
  • Company profile including existing product range
  • Promoter profile including KYC details
  • Purpose of the loan
  • Security offered
  • Audited balance sheets of the last 3 years
  • Bank statement of Last 1 Year

The credit officer might require additional documents during the credit evaluation for your SME Loan.

To apply, just email us at contactus@bellfinvest.com, we will get back to you.

Loan Against Property

Utilise your property’s value and avoid letting it sit idle. Leverage your property’s value with Bell Finvest’s loan against property. Bell Finvest unlocks the true value of your property and helps you meet your financial requirements.

We offer tailored loan products which would be suitable to your requirements against Residential property/ commercial/ plots/ land etc.

Key Features:

  • Finance amount: Based on valuation of property up to 1 crore
  • Security: Normally asset cover of 2 to 3 times
  • Tenure: Up to 5 years
  • ROI: Depending upon the internal rating carried out by Bell Finvest.

Eligibility:

  • Loan Against Property are offered to individual/ companies/partnership firms in all sectors like automobiles, auto-ancillary, food and agro-processing, pharmaceutical, consumer durables etc.
  • The Individual/company/firm must be in business for at least 1 year
  • Should not be willful defaulter
  • Should have adequate collateral to offer

Documentation:

  • Proposal Form Downloaded from our website with proper Order No.
  • Company profile including existing product range
  • Promoter profile including KYC details
  • Purpose of the loan
  • Security offered
  • Audited balance sheets of the last 1 years
  • Bank statement of Last 6 months

The credit officer might require additional documents during the credit evaluation for your SME Loan

To apply, just email us at contactus@bellfinvest.com, we will get back to you.

Working Capital

Bell Finvest provides solutions to your immediate financial needs. Fast and easy processing, competitive interest rates and flexible payment cycle, we ensure you a smooth and efficient management of your cash flow.

Key Features:

  • Tenure of up to 36 months on working capital loans
  • Annually reviewed
  • Cycles of 30-60 days
  • Working capital loan tranche payable after the cycle time
  • ROI: Depending upon the internal rating carried out by Bell Finvest.

Eligibility:

Working Capital Finance are offered to companies/partnership firms in all sectors like automobiles, auto-ancillary, food and agro-processing, pharmaceutical, consumer durables etc. except for negative sectors and living creatures torturing and killing businesses.

  • The company/firm must be in business for at least 3 years.
  • Should not be willful defaulter
  • Should have adequate collateral to offer

Documentation:

  • Proposal Form Downloaded from our website with proper Order No.
  • Company profile including existing product range
  • Promoter profile including KYC details
  • Purpose of the loan
  • Security offered
  • Audited balance sheets of the last 3 years
  • Bank statement of Last 1 Year

The credit officer might require additional documents during the credit evaluation for your SME Loan.

To apply, just download suitable proposal form, fill and email us at contactus@bellfinvest.com and we will get back to you.

Bill Discounting

Bell Finvest with its rich experience in understanding customers, offers bill discounting facility of reputed customers. Encash your accounts receivables to better manage your cash flows.

Under Bill discounting, we take the bill drawn by borrower on his customer and pay him immediately deducting some amount as discount/commission& Margin. We then present the Bill to the borrower's customer on the due date of the Bill and collect the total amount.

Key Features:

  • Finance amount: Up to Rs. 1 crore
  • Validity: Up to 6 months
  • ROI: Depending upon the internal rating carried out by Bell Finvest & Credit Scoring of promoters.

Documentation:

Bill Discounting Facility is offered to companies/partnership firms in all sectors like automobiles, auto-ancillary, food and agro-processing, pharmaceutical, consumer durables etc. except for negative sectors and living creatures torturing and killing businesses.

  • Proposal Form Downloaded from our website with proper Order No.
  • Company profile including existing product range
  • Promoter profile including KYC details
  • Purpose of the loan
  • Security offered
  • Audited balance sheets of the last 3 years
  • Bank statement of Last 1 Year

The credit officer might require additional documents during the credit evaluation for your Loan proposal.

To apply, just download, fill & email us at contactus@bellfinvest.com, we will get back to you.

Equipment Financing

Bell Finvest believes in development of infrastructure and offers tailor made schemes that fits your profile. We offer loans at times when you need to expand your business, update technology by purchasing new equipment.

Key Features:

    Finance amount: Up to Rs. 50 lacs

    Tenure: upto 60 months

    ROI: Depending upon the internal rating carried out by Bell Finvest & Credit Scoring of promoters.

Eligibility:

Equipment Financing Facility is offered to companies/partnership firms in all sectors like automobiles, auto-ancillary, food and agro-processing, pharmaceutical, consumer durables etc. except for negative sectors and living creatures torturing and killing businesses.

  • The company/firm must be in business for at least 1 year
  • Should not be Willful defaulter by back ground

Documentation:

  • Proposal Form Downloaded from our website with proper Order No.
  • Company profile including existing product range
  • Promoter profile including KYC details
  • Purpose of the loan
  • Security offered
  • Audited balance sheets of the last 3 years
  • Bank statement of Last 1 Year
  • Invoice of the Vendor with its terms & conditions

The credit officer might require additional documents during the credit evaluation for your SME Loan

To apply, just download suitable proposal form, fill and email us at contactus@bellfinvest.com and we will get back to you.

Export Import Transit Finance

Bell Exim Transit Facility provides transit finance for the export & import consignments from India. The advantage of the transit finance is to keep working capital unblocked for better management of funds during the transit period of the consignment.

Key Features:

  • Direct Payment to overseas client & exporter
  • Funds available for perishable &non perishable goods both
  • Foreign currency fund remittance as well as receipts accepted
  • Transit period could be 5 to 90 days
  • For import consignment, funds available for statutory payment
  • Ware housing facilities with piece meal lifting of goods
  • Flexibility as per needs of borrower

Documentation:

  • Proposal Form Downloaded from our website with proper Order No.
  • Company profile including existing product range
  • Promoter profile including KYC details
  • Purpose of the loan
  • Security offered
  • Audited balance sheets of the last 3 years
  • Bank statement of Last 1 Year
  • All export or import related documents

The credit officer might require additional documents during the credit evaluation for your SME Loan

To apply, down load suitable proposal form, fill and just email us at contactus@bellfinvest.com and we will get back to you.

EMI Finance

Bell EMI Finance, a special product designed to meet EMI obligations. Term Loan EMI or Business loan EMI – up to 100% EMI Liability, loan is provided to enhance further borrowing capabilities and leverage needs of funds.

Key Features:

  • Up to 100% funding of EMI liability every month
  • Optimum utilization of your working capital

Documentation:

  • Proposal Form Downloaded from our website with proper Order No.
  • Company profile including existing product range
  • Promoter profile including KYC details
  • Purpose of the loan
  • Security offered
  • Audited balance sheets of the last 3 years
  • Bank statement of Last 1 Year
  • All sanction Letter & SOA

The credit officer might require additional documents during the credit evaluation for your Loan proposal.

To apply, just download the suitable proposal form, fill and email us at contactus@bellfinvest.com and we will get back to you.

Special Asset Finance

Bell special Asset Finance is the only product which provides an opportunity to avail term loan against special assets whereas worldwide special assets funding is not much of a preferred business. Of course, stringent techno – commercial evaluation is conducted to meet the special needs.

Key Features:

  • Up to 100% funding of special asset specially designed for your business.
  • Finance amount: Up to Rs. 100 lacs
  • Tenure: up to 60 months
  • ROI: Depending upon the internal rating carried out by Bell Finvest & Credit Scoring of the promoters.

Documentation:

  • Proposal Form Downloaded from our website with proper Order No.
  • Company profile including existing product range
  • Promoter profile including KYC details
  • Purpose of the loan
  • Security offered
  • Audited balance sheets of the last 3 years
  • Bank statement of Last 1 Year

The credit officer might require additional documents during the credit evaluation for your Loan proposal.

To apply, just down load suitable proposal form, fill and email us at contactus@bellfinvest.com and we will get back to you.

Idea & Technology Finance

Bell Idea & Tech Finance understands & accepts idea & technology based financing proposals. The proposal could consist of mixture of debt & equity for commercialisation. Proposal eligible for technology & development board fund could also be part financed towards the promoter’s contribution to the certain extent.

Key Features:

  • Seed capital is funded
  • Finance amount: Up to Rs. 200 lacs
  • Can be mix of Debt & Equity
  • Tenure: up to 60 months
  • ROI: Depending upon the internal rating carried out by Bell Finvest and credit scoring of promoters.

Documentation:

  • Proposal Form Downloaded from our website with proper Order No.
  • Company profile including existing product range
  • Promoter profile including KYC details
  • Purpose of the loan
  • Security offered
  • Audited balance sheets of the last 3 years
  • Bank statement of Last 1 Year

The credit officer might require additional documents during the credit evaluation for your Loan proposal.

To apply, just down load suitable proposal form, fill and email us at contactus@bellfinvest.com and we will get back to you.

Loan for overseas Expansion

Most Owners of small business expanding overseas are unable to generate the additional funds themselves and must turn to outside financing. We provide funds for establishment and setup and fill gap in working capital required for overseas operation.

Key Features:

  • Seed capital is funded
  • Finance amount: Up to Rs. 200 lacs
  • Can be mix of Debt & Equity
  • Tenure: up to 60 months
  • ROI: Depending upon the internal rating carried out by Bell Finvest.

Documentation:

  • Proposal Form Downloaded from our website with proper Order No.
  • Company profile including existing product range
  • Promoter profile including KYC details
  • Purpose of the loan
  • Security offered
  • Audited balance sheets of the last 3 years
  • Bank statement of Last 1 Year

The credit officer might require additional documents during the credit evaluation for your Loan proposal

To apply, just down load suitable proposal form, fill and email us at contactus@bellfinvest.com and we will get back to you.

Unhealthy Funding

NPA Revival

A business unit may not be in its best phase all the time and we at Bell Finvest realize that. There are times when there are several internal and external factors which can put pressure on the performance of the firm which can cause a number of firms to become stressed and subsequently turned NPA.

However, many times these problems are ad hoc in nature and the firm can be revived by infusing fresh liquidity into it. We offer attractive packages to entities that we see as fit for revival.

Key Features:

  • Finance amount: Up to Rs. 15 crores
  • Tenure – Depending upon the revival projections.
  • ROI: Depending upon the strength of business and future prospects
  • Security: Normal asset cover of 3 to 4 times.
  • OTS Funding
  • Planning and strategize whole concept of revival.

Eligibility:

NPA Finance are offered to companies/partnership firms in all sectors like automobiles, auto-ancillary, food and agro-processing, pharmaceutical, Consumer durables etc. except for negative sectors and living creatures torturing and killing businesses.

  • The Promoter should have good knowledge of the business.
  • One Time Settlement should be done with bank.
  • Should not be willful Defaulter.
  • Business should have scope of revival
  • Borrower should be willing to offer financial control
  • Proposal should be with clean hand and transparencies with no attitude and mind blocks.

Documentation:

  • Proposal Form Downloaded from our website with proper Order No.
  • Company profile including existing product range
  • Promoter profile including KYC details
  • Purpose of the loan
  • Security offered
  • Audited balance sheets of the last 3 years
  • Complete DRT Proceedings
  • Future Business Plan.
  • Bank statement of Last 1/few Years

The credit officer might require additional documents during the credit evaluation for your Revival of Loan proposal.

To apply, just down load suitable proposal form, fill and email us at contactus@bellfinvest.com and we will get back to you.