Loans & Finance

MSME Business Loan

Collateral-free loans up to ₹50L for small businesses.

4.9 / 5 rating 50,000+ served Fast turnaround Secure & compliant

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Starting from

₹999

+ applicable taxes

Expert-guided process

100% online, no travel needed

24/7 dedicated support

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No commitment · No hidden charges

Process

How It Works

Eligibility Assessment

Credit score, turnover, and repayment capacity assessed to establish a realistic loan amount.

Document Preparation

Complete loan file compiled including project report and financial projections.

Lender Matching

Matched with banks or NBFCs whose criteria fit your profile, rather than applying blindly everywhere.

Disbursal

Application tracked through sanction, documentation, and disbursal, typically 7 to 15 working days.

Overview

About This Service

Small businesses often struggle to raise working capital because they lack collateral. Government-backed schemes exist precisely to solve this. Under the Credit Guarantee Fund Trust for Micro and Small Enterprises, lenders can extend collateral-free credit because the guarantee cover absorbs a large share of the default risk. We assess your credit profile and turnover, identify which scheme and lender fits your case, build a complete loan file including a project report and financial projections, and manage the process through sanction and disbursal. A clean CIBIL score and consistent GST and ITR filings materially improve both approval odds and pricing.

Checklist

Documents Required

PAN and Aadhaar of the proprietor, partners or directors

Income tax returns for the last three years

Bank statements for the last twelve months

GST returns for the last twelve months

Udyam / MSME registration certificate

Business registration proof and address proof

Audited financial statements for the last two years

Project report with utilisation plan and projections

FAQ

Frequently Asked Questions

Is collateral required?

Not for loans covered under the CGTMSE guarantee scheme, which supports collateral-free credit to micro and small enterprises. The trust provides guarantee cover to the lender in place of security.

What CIBIL score do I need?

Most lenders look for 700 or above for unsecured business lending. Below that, approval is harder and pricing is worse, though some NBFCs will still lend against strong cash flows.

How much can I borrow?

It depends on turnover, profitability, and repayment capacity rather than a fixed cap. As a rough guide, lenders often consider up to around 25% of annual turnover for a working capital facility.

What interest rate should I expect?

Typically 9% to 18% per annum depending on the lender, your credit profile, whether the loan is secured, and the scheme under which it is sanctioned.

Do I need to be MSME registered?

Not strictly for every product, but a Udyam certificate is what makes you eligible for CGTMSE cover, interest subvention, and priority sector treatment. It is one of the highest-value documents you can obtain.