MSME Loan

Our MSME Loan Services

Our MSME Loan services provide tailored financial solutions to help small and medium businesses.

• Business Expansion Loans
  If you’re looking to expand your operations, launch new products, or explore new markets, our MSME expansion loans offer the capital you need to accelerate your growth. We guide you through the loan application process and ensure you get the best rates and terms available.
• Working Capital Loans
  Smooth cash flow is essential for day-to-day business operations. Our working capital loans provide the necessary funds to cover short-term expenses, such as payroll, inventory purchases, and utility bills, ensuring your business runs without disruption.
• Equipment Financing
  Whether it’s machinery, technology, or office equipment, we offer MSME loans that help you purchase or upgrade business equipment. Get the tools you need to improve productivity and stay competitive in your industry.
• GST & Tax Loans
  MSMEs often face challenges in managing GST and tax payments. Our MSME loans help you meet these obligations on time without disrupting your business operations, ensuring that you stay compliant with government regulations.
• Collateral-Free Loans
  If you don’t have assets to pledge as collateral, we offer collateral-free MSME loans. These loans are designed to make it easier for small businesses to access funding and grow without the burden of securing assets.
• Business Term Loans
  For long-term investments such as business expansion, infrastructure development, or facility upgrades, our MSME term loans offer the financial stability you need. These loans come with flexible repayment options to fit your business’s cash flow.
• Overdraft Facility
  With our MSME overdraft facilities, you can access funds whenever you need them, giving you the flexibility to manage unforeseen expenses or take advantage of business opportunities without worrying about running out of cash.
• Government Subsidy & Support
  The government offers a range of subsidies and schemes to support MSMEs. We help you navigate these programs and apply for financial assistance that can reduce your loan burden and make your business more financially sustainable.

MSME Loan Application Process

• Consultation & Needs Assessment
  We start by understanding your business needs and financial goals. Our experts assess your eligibility and recommend the best loan options for you.
• Document Submission
  You provide the required documents, including financial statements, business plans, and identity proof. We guide you through the entire documentation process to make it seamless.
• Loan Evaluation & Approval
  Once we’ve submitted your application, the loan is evaluated by the lender. We ensure that your application is processed quickly, and we keep you informed throughout the approval process.
• Loan Disbursement
  Upon approval, the loan amount is disbursed to your account, giving you the funds you need to take your business to the next level. Our team supports you throughout the disbursement process.
• Repayment Plan
  We provide you with a clear repayment schedule that suits your business’s cash flow. Whether it’s monthly, quarterly, or flexible terms, we ensure your repayment plan is manageable.

Eligibility Criteria for MSME Loans

• A registered MSME business (either as a sole proprietorship, partnership, LLP, or private limited company)
• Minimum 1-2 years of business operation
• A stable and positive credit history
• Clear financial documents, such as balance sheets, profit & loss statements, and tax returns
• A viable business plan and purpose for the loan