sameer@camphorsolutions.com

For many Indian businesses, especially MSMEs and fast-growing startups, NBFCs (Non-Banking Financial Companies) have become a powerful alternative to traditional banks. Where banks often prioritise long operating history, collateral, and rigid structures, NBFCs step in with speed, flexibility, sector understanding, and customised products. This makes them particularly relevant when businesses need quick funding, higher risk

Choosing the right bank for a business loan in India is not just about getting the lowest interest rate. For founders, promoters, and CFOs, it is a long-term decision that directly impacts cash flow, scalability, flexibility during tough phases, and even the overall financial health of the business. Two businesses with similar turnover and profitability

Running a business is rarely a smooth, linear journey. Even profitable and well-managed companies often face moments where cash is urgently required—to pay suppliers, meet payroll, grab a time-sensitive opportunity, fulfil a large order, or simply bridge a temporary cash flow gap. In such situations, the speed of funding becomes more important than the cost