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SMEs & Businesses

Working capital
that scales with you.

Working capital, machinery finance and growth funding for small and medium enterprises — sized to your business, not a generic template.

Up to ₹5 CrWorking capital
Sector-awareUnderwriting
Fast turnaround24–48 hrs
Manufacturing workers on a factory floor operating precision machinery
Built for you

What we offer SMEs & businesses

Working capital loans

Bridge inventory, receivables and operating cycles without disrupting cash flow.

Machinery finance

Fund new equipment and capacity expansion with structured repayment.

Sector-aware underwriting

Credit assessment that understands how your industry actually operates.

Fast turnaround

Indicative answers within 24–48 hours, so opportunity doesn't wait on paperwork.

Common uses

What SMEs typically fund

  • Bridging gaps between production cost and receivables
  • Purchasing new machinery or upgrading capacity
  • Financing inventory ahead of a seasonal demand spike
  • Funding expansion into a new location or product line
Why Qubik

Built around your reality

Whether you're financing a personal milestone or a multi-crore expansion, our products are structured around your reality — not a one-size template. Digital onboarding means indicative answers in 24–48 hours, so opportunity never waits on paperwork.

Talk to an advisor
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Questions, answered

Frequently asked by SMEs & businesses

What documents does my business need to provide?
Typically business registration, GST filings, bank statements and financial statements — our team will confirm the exact list for your specific facility.
Is my industry eligible?
We fund a wide range of sectors including manufacturing, retail, trading and logistics. Reach out and we'll confirm fit for your specific business.
How quickly can funds be disbursed?
Once documentation and assessment are complete, disbursal is often possible within a few business days.

Ready to get started?

Share a few details and our team will get back to you with a transparent, personalised offer — usually within 24–48 hours.