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  • About Us
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    • Solution For Business
      • Working Capital & Cash Flow Management
      • Business Expansion & Growth Initiative
      • Asset Acquisition: Equipment & Technology Investments
      • Emergency & Contingency Funding
      • Marketing, Advertising & Customer Acquisition
      • Seasonal Cash Flow & Inventory Management
      • Debt Consolidation & Financial Restructuring
      • Startup Funding & Building Credit History
      • Business Restructuring & Strategic Partnerships
      • Professional Development & Workforce Enhancement
      • Facility Renovation & Upgrades
      • Supplier Negotiations & Market Expansion
    • Solution For Professionals
      • Practice Working Capital & Cash Flow Management
      • Practice Expansion & Office Upgrades
      • Technology & Equipment Investment
      • Professional Development & Training
      • Marketing & Client Acquisition
      • Debt Consolidation & Financial Restructuring
      • Emergency Funds & Contingency Planning
      • Strategic Investments & Partnerships
      • Real Estate & Practice Acquisition
      • Risk Management & Insurance Investments
    • Solution For Home
      • House Purchase Loan
      • House Construction Loan
      • Home Renovation & Remodeling Loan
      • Home Extension & Expansion Loan
      • Interior Design & Furnishing Loan
      • Debt Consolidation for Home Improvement
      • Emergency Home Repair Loan
      • Additional Home-Related Financial Needs
  • Our Products
    • Collateral Free Loans
      • Unsecured Business Loans
      • Unsecured Overdraft
      • CGTMSE
    • Purchase / Construction Loans
      • Home Purchase Loans
      • Commercial Office purchase loans
      • Land purchase Loans
      • Factory/ Industry/ Warehouse Purchase Loans
      • Construction Loans for construction of House, Factory, Office
    • Collateral Backed MSME Loans
      • Loan Against Property
      • Dropline Overdraft
      • Working Capital facilities such as CC, OD, BG, LC
      • Lease Rental Discounting
      • Construction Financing
      • Project Financing
  • Partner with us
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    • Industrial Area Associations
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    • Independent Loan Consultants
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    • FAQ
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  • Customer Service

Startup Funding & Building Credit History

Home » Our Solutions » Solution For Business » Startup Funding & Building Credit History

Overview

Launching a startup is an ambitious journey that requires vision, determination, and most importantly, financial resources. From initial setup costs and infrastructure development to marketing efforts and operational expenses, early-stage businesses face a wide range of financial demands. In addition to securing funding, building a robust credit history is crucial for accessing larger financing options as the business grows. However, without sufficient financial support, entrepreneurs may struggle to turn their innovative ideas into reality.
At BiggPocket, we understand the unique financial challenges startups encounter. Our Startup Funding & Credit Building solutions are designed to empower entrepreneurs by providing the capital needed to cover early-stage expenses while helping them establish a strong credit history. With our tailored financing options, startups can build a solid financial foundation, positioning themselves for future growth and scalability.

Purpose

The purpose of BiggPocket’s Startup Funding & Building Credit History solutions is to provide startups with the financial support and credit-building opportunities they need to flourish in competitive markets. Our funding solutions help businesses:

Integrated-solution

Cover Initial Business Costs

Finance essential startup expenses, including office setup, equipment purchases, product development, and marketing efforts.

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Build a Strong Credit History

Establish a positive credit record through timely loan repayments, making it easier to access larger financing in the future.

Promote Business Growth

Ensure steady cash flow, allowing startups to scale operations, hire talent, and expand market reach.

Better-Returns

Improve Investor Confidence

A strong credit history demonstrates financial responsibility, attracting future investors and institutional lenders.

Better-Returns

Support Long-Term Scalability

Provide financial flexibility, allowing startups to focus on growth without cash flow constraints.

Our solutions are designed to set startups up for success, ensuring they have the resources needed to achieve their business goals.

BiggPocket Solution

At BiggPocket, we offer tailored startup funding solutions to support entrepreneurs at every stage of their journey. Our financing options help startups manage their early-stage expenses while establishing a solid financial track record.

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Seed Funding for Early-Stage Expenses

Access to capital for initial setup, infrastructure, product development, marketing, and working capital.

No Collateral Requirement

Our unsecured loans allow startups to retain ownership of valuable assets while raising funds.

Credit-Building Opportunity

Timely repayments help build a positive credit history, improving future financing options.

Fast Disbursal of Funds

Our efficient loan processing ensures quick access to capital, allowing startups to maintain business momentum.

Customizable Repayment Plans

Flexible repayment terms designed to align with business growth, minimizing financial strain.

Expert Financial Guidance

Our financial advisors help startups optimize fund utilization, ensuring maximum ROI.

With BiggPocket, startups can focus on innovating and scaling, while we support their financial journey.

Eligibility

Our Startup Funding & Credit Building solutions are designed to support new and early-stage businesses with genuine financial needs. Eligibility is based on the following criteria:

Business Stage

Open to newly launched startups and early-stage ventures with a clear business model.

Business Plan

A well-structured business plan with defined objectives, financial projections, and growth potential.

Personal Credit Score

For early-stage startups without an established credit history, the founder’s personal credit score plays a critical role.

Operational Viability

Evidence of the startup’s potential to achieve profitability within a reasonable timeframe.

Our transparent eligibility criteria ensure that startups with promising potential receive timely financial support.

Eligilibity
Loan-Limits

Loan Limits

Our loan limits are designed to adequately support startup expenses while providing flexibility and affordability.

Loan Amounts

Determined based on the startup’s financial needs, business model, and growth potential.

Repayment Tenure

Flexible repayment terms ranging from 12 to 60 months, allowing startups to manage cash flow efficiently.

Interest Rates

Competitive interest rates designed to minimize borrowing costs while supporting business growth.

With customized loan limits, BiggPocket ensures startups have the financial resources needed to thrive with confidence.

EMI Calculator

Financial planning is essential for startups to balance growth and repayment obligations. Our EMI Calculator helps entrepreneurs manage their finances effectively by:

Estimate-Monthly-Repayments

Estimating Monthly Payments

Provides an accurate breakdown of EMIs based on loan amount, interest rate, and tenure.

Optimize-Loan-Terms

Optimizing Loan Terms

Allows adjustment of tenure to ensure affordable repayments without cash flow disruptions.

Make-Informed-Decisions

Supporting Financial Planning

Enables startups to manage funds efficiently while focusing on business growth.

Our BiggPocket EMI Calculator offers startups the clarity needed to make informed borrowing decisions.

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Calculator Information

The Equipment Finance Calculator calculates the type of repayment required, at the frequency requested, in respect of the loan parameters entered, namely amount, term and interest rate. The Product selected determines the default interest rate for personal loan product. The Equipment Finance Calculator also calculates the time saved to pay off the loan and the amount of interest saved based on an additional input from the customer. This is if repayments are increased by the entered amount of extra contribution per repayment period. This feature is only enabled for the products that support an extra repayment. The calculations are done at the repayment frequency entered, in respect of the original loan parameters entered, namely amount, annual interest rate and term in years.

Calculator Assumptions

Length of Month

All months are assumed to be of equal length. In reality, many loans accrue on a daily basis leading to a varying number of days interest dependent on the number of days in the particular month.

Number of Weeks or Fortnights in a Year

One year is assumed to contain exactly 52 weeks or 26 fortnights. This implicitly assumes that a year has 364 days rather than the actual 365 or 366.

Rounding of Amount of Each Repayment

In practice, repayments are rounded to at least the nearer cent. However the calculator uses the unrounded repayment to derive the amount of interest payable at points along the graph and in total over the full term of the loan. This assumption allows for a smooth graph and equal repayment amounts. Note that the final repayment after the increase in repayment amount.

Rounding of Time Saved

The time saved is presented as a number of years and months, fortnights or weeks, based on the repayment frequency selected. It assumes the potential partial last repayment when calculating the savings.

Amount of Interest Saved

This amount can only be approximated from the amount of time saved and based on the original loan details.

Calculator Disclaimer

The results from this calculator should be used as an indication only. Results do not represent either quotes or pre-qualifications for the product. Individual institutions apply different formulas. Information such as interest rates quoted and default figures used in the assumptions are subject to change.

Feel free to use our Equipment Finance Calculator

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**Note: For exceeding 120 no. of payments, a group of 12 payments will be combined into a single payment number for better chart visibility.

Period Payment Interest Balance
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CIBIL-Score

CIBIL Score for Solutions for Business

A CIBIL score is crucial in determining a startup’s ability to access favorable financing. At BiggPocket, we help entrepreneurs understand the importance of building a strong credit score and how it impacts future financing.

Why CIBIL Matters

A strong credit score reflects responsible borrowing behavior, increasing loan approval chances.

How to Build a Strong Credit History

Timely repayments, maintaining low credit utilization, and responsible financial management.

Impact on Future Financing

A better credit score unlocks access to larger loans, lower interest rates, and more flexible financing options.

We guide startups in improving their credit scores, unlocking better financial opportunities for future growth.

Apply Now

Starting a business requires passion, resilience, and most importantly, financial support. BiggPocket’s Startup Funding & Credit Building solutions are tailored to provide the capital needed to cover early-stage expenses, build a positive credit history, and lay a solid foundation for future success.

Simple Application Process

Apply online through our user-friendly platform or visit our branch.

Documentation

Minimal Documentation

Our tailor-made process ensures a smooth and quick application with minimal paperwork.

Quick-Approvals

Quick Approvals

Fast processing ensures you get timely access to funds for startup expenses.

Expert-Advice

Expert Guidance

Our financial advisors provide continuous support to help optimize your financial strategy.

Fuel your startup journey with BiggPocket — Where Ambitions Meet Financial Empowerment.

Apply now

Business Loans FAQs

We understand that startup funding and building a credit history can lead to several questions. Our FAQs section addresses common concerns, ensuring transparency and confidence for entrepreneurs:

What types of expenses can I finance through BiggPocket’s startup loans?
Business setup, inventory, equipment, marketing, and working capital.
Is collateral required for startup funding?
No, not for most cases.
How quickly can I access funds after approval?
Within 3–5 working days.
Will timely repayments improve my business credit score?
Yes.
What documents are required to apply for startup funding?
Basic KYC, business plan, and bank statements.

Our FAQs section ensures startups have all the information they need to make informed borrowing decisions.

Grow Without Limits with Tailored Credit Solutions!
Click here to Apply Now!
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