MSME Loans
Access MSME term loans, working capital (CC/OD), equipment finance, and invoice discounting with collateral‑free coverage via CGTMSE, Mudra loans up to ₹10 lakh, Stand‑Up India for SC/ST/Women, PMEGP subsidy support, and fast in‑principle approvals through PSB Loans in 59 Minutes.
What are MSME Loans?
MSME loans include term loans, working capital limits (CC/OD), and non‑fund facilities like LC/BG that finance operations, expansion, and equipment purchases for micro, small, and medium enterprises under the MSMED framework.
Eligibility and lending norms often reference Udyam Registration and RBI/MSME policy guidelines, while schemes like CGTMSE, Mudra, Stand‑Up India, PMEGP, PSB 59 Minutes, and RBI‑regulated TReDS expand access to timely and affordable credit.
Focused
Secure
Fast
Trusted
Why Choose Our MSME Loan Support?
Wide Ticket Sizes
Structured from micro tickets under Mudra to collateral‑free coverage up to ₹10 crore under CGTMSE, aligned to business needs
Collateral‑Free Coverage
CGTMSE enables fund and non‑fund limits without collateral on the covered portion; hybrid security permitted as per scheme
Faster Approvals
Digital in‑principle decisions via the PSB 59 Minutes pathway, followed by bank due diligence and sanction
Receivables Financing
Onboard to RBI‑regulated TReDS to discount accepted invoices for quicker cash flow realization
Flagship Schemes
Leverage Mudra for micro units, Stand‑Up India for SC/ST/Women greenfield projects, and PMEGP margin money subsidy
End‑to‑End Guidance
Support across application, CGTMSE tagging, TReDS onboarding, and scheme documentation for timely disbursal
Eligibility Criteria
Who Can Apply?
- Udyam (MSME) registration as per MSMED framework
- New or existing units with viable business plan and KYC
- Mudra: micro units in non‑farm income generating activities
- Stand‑Up India: SC/ST or Women for greenfield projects
- PMEGP: only new units eligible for subsidy support
Conditions
- CGTMSE covers combined fund and non‑fund limits up to ₹10 crore
- Annual Guarantee Fee (AGF) applicable for CGTMSE coverage
- Hybrid security allowed at lender’s discretion within scheme norms
- TReDS requires buyer acceptance and platform KYC for discounting
- PSB 59 Minutes offers in‑principle decision; final sanction by bank
Simple Application Process
Apply Online
Share GST/ITR, bank statements, Udyam details, and choose the right facility or scheme
Evaluation
Lender appraises cash flows, structures limits, and applies CGTMSE or relevant scheme coverage
Sanction
Receive sanction for term loan/CC‑OD/LC‑BG with scheme‑aligned terms and documentation
Disbursement
Activate limits, complete PMEGP/Stand‑Up compliance as applicable, and onboard to TReDS if needed
Apply Online
Share GST/ITR, bank statements, Udyam details, and choose the right facility or scheme
Evaluation
Lender appraises cash flows, structures limits, and applies CGTMSE or relevant scheme coverage
Sanction
Receive sanction for term loan/CC‑OD/LC‑BG with scheme‑aligned terms and documentation
Disbursement
Activate limits, complete PMEGP/Stand‑Up compliance as applicable, and onboard to TReDS if needed
Required Documents
Document Checklist
Important: Documentation varies by lender, scheme, ticket size, and security; additional information may be requested.
Frequently Asked Questions
Ready to Secure an MSME Loan?
Get structured options across Mudra, CGTMSE‑backed limits, Stand‑Up India, PMEGP, and TReDS to strengthen cash flow and scale operations.
₹500Cr+
Funded
20K+
Businesses
95%
Success Rate