Start-Up Loans & Growth Capital — ₹50 Lakhs to ₹50 Crore
Customised funding for DPIIT-recognised startups, revenue-stage businesses and scale-ups. Bank credit, venture debt, government schemes and investor introductions — under one advisory.
About Start-Up Loan
Modern startups need a stack of capital sources — bank debt for asset financing, venture debt for runway extension, working capital for receivables, and equity for growth bets. BankBrick structures Start-Up funding from ₹50 Lakhs to ₹50 Crore for DPIIT-recognised startups, growth-stage companies and scale-ups across manufacturing, services, healthcare, hospitality and tech-enabled businesses. We arrange Stand-Up India loans, SIDBI Fund of Funds-linked debt, venture debt from NBFCs and AIFs, CGTMSE-backed working capital, and warm investor introductions through our partner network. Our CAs prepare investor-grade financial models, projections and information memoranda — and our team works with founders facing low CIBIL, GST gaps, or earlier rejections to restructure the proposal and find the right lender.
Key Features
Venture Debt
Non-dilutive debt from NBFCs and AIFs for revenue-stage startups — extend runway between equity rounds without giving up equity.
Investor Introductions
Warm introductions to angel networks, family offices, VCs, and PE funds across our partner network — matched to your stage and sector.
Government Schemes
Stand-Up India, SIDBI FFS-linked debt, Startup India seed funding, and state-level startup capital schemes — eligibility-mapped and applied.
CGTMSE Working Capital
Collateral-free CC/OD up to ₹5 Cr for early-revenue startups — fund inventory, payroll, and receivables without pledging property.
Investor-Grade Models
Our CAs build the financial model, cap table, unit economics, and information memorandum that institutional investors and credit committees expect.
Capital Stack Advisory
We blend equity, venture debt, bank credit, and government schemes into a capital stack that minimises dilution and cost of capital.
Why Choose BankBrick for Start-Up Loan?
- Non-dilutive venture debt — extend runway without losing equity
- CA-built investor-grade financial model and IM — higher conversion in diligence
- Warm investor introductions across angels, family offices, VCs and PE
- CGTMSE-backed collateral-free working capital for eligible MSME startups
- Government scheme linkage — Stand-Up India, SIDBI FFS, state startup funds
- End-to-end support for low-CIBIL, GST or balance sheet gap profiles
Eligibility Criteria
| Stage | Revenue-generating startups, growth-stage companies, scale-ups (idea-stage only with strong promoter profile) |
|---|---|
| DPIIT Recognition | Strongly preferred — unlocks tax benefits, FFS-linked debt, and Stand-Up India eligibility |
| Entity Type | Pvt Ltd, LLP (some schemes also cover registered partnerships) |
| Vintage | 6 months – 5 years (sweet spot for venture debt: 12+ months of revenue) |
| Promoter / Founder Profile | Clean personal CIBIL; relevant domain background; founding team intact |
| Traction / Revenue | Demonstrable revenue, customer concentration <30%, or institutional equity in last 24 months |
Required Documents
| Certificate of Incorporation + DPIIT certificate |
| Cap table, shareholding pattern, and ESOP schedule |
| Last 2 Years financials + ITR (audited where available) |
| Last 12 Months bank statements + MIS / management accounts |
| Investor decks, term sheets of prior rounds (if any) |
| Financial model & projections (we build) |
| Information Memorandum / pitch deck (we refine) |
| KYC of founders + co-founder agreements |
Common Questions,
Clear Answers
Have more questions? Our team is here to help. Reach us on WhatsApp or give us a call.
What is venture debt and when should a startup consider it?
Venture debt is term debt extended to revenue-stage startups — typically after a priced equity round — by specialised NBFCs and AIFs. It is non-dilutive, sized at 20%–30% of the last equity raise, and used to extend runway, fund growth, or finance receivables/inventory between rounds. Ideal once you have a recent institutional cheque and a clear path to the next milestone.
Do I need to be DPIIT-recognised to raise funding through BankBrick?
No, but DPIIT recognition meaningfully expands the options — it unlocks Stand-Up India eligibility, SIDBI Fund of Funds-linked debt, tax exemptions, and improves credibility in front of credit committees. If you are not yet recognised, we help with the DPIIT application as part of the engagement.
Can BankBrick raise equity for my startup?
BankBrick is an advisory and arranger — we make warm investor introductions across angels, family offices, VCs, PE funds, and corporate venture arms in our partner network. We refine your IM, financial model, and pitch — and stand alongside you through diligence. We do not invest directly.
What government schemes are available for startups in 2025-26?
Active schemes include Stand-Up India (₹10L–₹1Cr for SC/ST and women entrepreneurs), SIDBI Fund of Funds for Startups (FFS) which channels capital to SEBI-registered AIFs, the Startup India Seed Fund Scheme (SISFS), and a range of state-level capital subsidy and credit guarantee schemes. We map your stage and sector to the eligible set.
I am pre-revenue. Can BankBrick still help?
Yes, though options are narrower. Pre-revenue startups typically rely on founder equity, angel rounds, accelerator cheques, and Startup India seed grants. We focus on packaging your IM and projections to attract the right early-stage investors, and on linking eligible government schemes.
Build the Right Capital Stack for Your Startup
From CGTMSE working capital to venture debt and investor introductions — ₹50 Lakhs to ₹50 Crore across the funding lifecycle, advised end-to-end.