Collateral-free options

Business & MSME Loan

Fuel for the next chapter of your business.

Stock for the season, a new machine, a second outlet, or simply smoother cash flow. We work with lenders who understand shops, traders, clinics, manufacturers and service businesses — and government schemes that make borrowing cheaper.

Amount
₹2 lakh – ₹2 crore
Tenure
1 – 7 years
Disbursal
3 – 7 working days
Collateral
Optional
Who it's for

Made for moments like these

Traders & retailersManufacturersDoctors & clinicsContractorsStartups with revenueFranchise owners
Why this loan, with us

Key features

Term loan or overdraft

A lump sum for assets, or a limit you draw and repay as cash flow moves.

Collateral-free eligibility

Unsecured business loans up to lender limits based on turnover and banking.

MSME scheme guidance

CGTMSE, Mudra and state schemes checked for every eligible applicant.

GST-based fast track

Many lenders assess on GST returns and bank statements — no long projections.

Before you apply

Eligibility & documents

Eligibility

  • Business vintage of 2+ years (some lenders accept 1 year)
  • Registered business — GST / Udyam / shop licence
  • Healthy banking with regular credits
  • Proprietor / partners aged 23 – 65

Documents

  • KYC of proprietor / partners / directors
  • GST returns (12 months) and ITRs (2 years)
  • Bank statements (12 months)
  • Business registration, Udyam certificate, address proof

We send you a single checklist and collect everything once — doorstep in Mysuru, digital elsewhere.

The process

From enquiry to money in your account

01

Apply in 2 minutes

Form or WhatsApp — amount, purpose and a few basics. A real person calls back within working hours.

02

Lender match

We check your profile against partner policies and shortlist the offer most likely to approve at the best rate.

03

Documents & verification

One checklist, one collection. We coordinate any valuation, legal or field verification.

04

Sanction & disbursal

We follow up with the lender until disbursal — typical timeline: 3 – 7 working days.

Plan your EMI

Business & MSME Loan calculator

Pre-set with typical business & msme loan ranges. Figures are indicative — your lender's final rate applies.

₹15,00,000
14% p.a.
3 years
Your monthly EMI
Total interest
Total payable
Principal Interest
Apply for this amount
Good to know

Business & MSME Loan FAQs

I don't have audited financials. Can I apply?

Yes. Several lenders assess on GST filings and bank statements alone for loans up to ₹50 lakh.

Overdraft or term loan — which is better?

Overdraft for working capital you cycle through the year; term loan for one-time purchases. We'll model both on your numbers.

Are there government-subsidised options?

Mudra (up to ₹10 lakh) and CGTMSE-backed loans are collateral-free; we check your eligibility before applying.

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Ready to apply for a Business & MSME Loan?

Two minutes to apply. Zero consultation fee. A real answer within hours.