Collateral-Free MSME
Loans Up to ₹10 Crore
Sanctioned in 48–72 hours post-document completion. No collateral. No stress.
Government-backed under CGTMSE.
Choose the Right Loan for Your Business Growth
Tailored financial solutions designed specifically for small and medium businesses across India.
Working Capital Loans
Never let cash-flow gaps slow you down
Flexible short-term loans to manage day-to-day operations, purchase inventory, and bridge cash flow gaps — fast.
MSME Term Loans
Fuel your next big move
Long-term financing for business expansion, equipment purchase, infrastructure upgrade, and capacity building.
CGTMSE Collateral-Free
Up to ₹10 Crore with zero collateral
Government of India guarantee backing — no property pledge, no third-party guarantee. Funds based on your business potential.
Invoice / Bill Discounting
Get cash from unpaid invoices in 48 hours
Unlock working capital tied up in unpaid invoices. Get up to 90% of invoice value within 48 hours of approval.
The Vibhuti Finserv
Advantage
We combine deep financial expertise with a network of 10+ Public & Private Banks (No NBFC) to deliver funding that is fast, fair, and fully transparent for every MSME.
48–72 Hour Sanction
Our streamlined process ensures your loan is sanctioned within 48–72 hours of complete document submission.
Zero Collateral Required
No property pledge, no guarantor. Our CGTMSE-backed loans give you capital based on your business strength alone.
Best Rates from 10+ Public & Private Banks
We compare offers from 10+ Public & Private Banks to find the best rate and tenure that fits your business. No NBFCs.
Founder-Led Case Handling
You work directly with the founder on case structuring — not passed between a sales team and an ops team.
100% Transparent Process
Complete transparency in fees, interest rates, and timelines from day one. No hidden charges, ever.
10+ Years in Structured Lending — Now Focused on MSME
Founder-led practice with a decade of secured lending experience applied to MSME working capital and CGTMSE. 52 cases funded, ₹87 Cr structured, and counting.
Our Trusted Banking Partners
10+ Public & Private Banks (No NBFC) | 52 MSMEs funded
How It Works
From enquiry to disbursal in 4 simple steps. Designed to be fast, digital, and completely hassle-free.
Submit Your Enquiry
Fill our simple online form with basic business details and your loan requirement. Takes less than 5 minutes.
Document Review
Suryaa personally reviews and verifies documents with you. We handle the paperwork — you run your business.
Loan Sanction
After credit assessment and partner bank/NBFC approval, you receive your sanction letter — within 7 working days.
Funds in Your Account
Loan amount credited directly to your registered business bank account. Ready to fuel your growth.
What is the
CGTMSE Scheme?
The Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE) is a Government of India initiative that enables MSMEs to access loans up to ₹10 Crore without pledging any collateral or third-party guarantee.
The government provides a guarantee to the lending institution, reducing their risk and enabling them to sanction loans to businesses that may not have fixed assets to pledge. This scheme has helped lakhs of MSMEs across India access formal credit and grow.
Success Stories
Real businesses, real growth. Here's what our clients say about working with Vibhuti Finserv.
Vibhuti Finserv helped us secure a Rs. 50 lakh working capital loan without any collateral under the CGTMSE scheme. The entire process was smooth and the team was very supportive.
I had approached two banks and was rejected both times for lack of collateral. Vibhuti Finserv's team knew exactly how to get us approved under CGTMSE. Loan sanctioned in just 6 days!
The dedicated relationship manager made everything easy. They collected documents, coordinated with the bank, and kept us informed at every step. Highly recommended for MSMEs.
We needed funds quickly for a new order. Vibhuti Finserv's working capital solution gave us the liquidity we needed in under a week. Lifesaver for our cash flow.
Professional team, transparent process, competitive rates. They explained every fee upfront. No hidden surprises. Got Rs. 1.2 crore working capital loan for expanding our operations.
As a first-generation entrepreneur, I was nervous about loan processes. The RM at Vibhuti Finserv guided me patiently from start to finish. Grateful for the trust they showed in my business.
Talk to Us
Fill in your details and one of our loan experts will call you within 24 business hours to understand your needs and suggest the best loan product for your business.
Quick Response
Callback within 24 business hours guaranteed.
100% Confidential
Your data is secure and never shared with third parties.
No Obligation
Direct access — no sales team in the middle.
Request a Callback
Thank You!
Our team will contact you within 24 business hours to discuss your loan requirements.