Our Loan Products
Structured financing for Indian MSMEs — founder-led case preparation, 10+ Public & Private Banks, no NBFCs.
Structured working capital for raw materials, expenses, and growth
Working Capital Loan
Annual working capital facilities for established and new businesses. Designed for efficient use of your collateral — covering raw material procurement, day-to-day company expenses, and greenfield project funding. Renewable annually on payment of renewal fee.
Key Benefits
- Efficient deployment of your existing collateral
- Covers raw material and company operating expenses
- Suitable for greenfield projects and new ventures
- No minimum business vintage requirement
- Renewable annually with continued banking relationship
Eligibility Criteria
- Can start from Day 1 of business operations
- Turnover can be as low as zero (greenfield-friendly)
- GST and Udyam certificate are mandatory
- Valid business registration (can be as recent as three months old)
- CIBIL score 700+ required
- Collateral must be available (own property or third-party guarantor acceptable)
Long-tenure financing for equipment, infrastructure, and renovation
MSME Term Loan
Term loans for MSMEs investing in equipment purchase, infrastructure upgrade, capacity expansion, or business renovation. Available to manufacturing, trading, and service businesses with the right compliance profile.
Key Benefits
- Suitable for equipment purchase, infrastructure, and renovation
- Available to manufacturing, trading, and service businesses
- Subsidy of up to 2% can be provided in eligible cases (assessed during consultation)
- Long tenure for predictable cash flow planning
Eligibility Criteria
- Firm must be registered across all government compliances (Udyam, GST, and other applicable registrations)
- CIBIL score must be 700+
- Company CMR rating of 7 or better (CMR is similar to CIBIL — lower is better)
- Registered MSME with valid Udyam Certificate
- Machine invoice or proforma required from approved supplier (for equipment financing)
- Available to trading companies as well as manufacturers
Structured financing for plant and machinery
Machinery Loans
For MSME manufacturing enterprises only.
Specialist machinery financing for MSMEs in manufacturing and production. Structured term loans for new plant, equipment, and machinery — funding capacity expansion, equipment upgrades, and production automation. We assess each case for eligibility under applicable government schemes during consultation.
Key Benefits
- Covers new plant, machinery, and equipment purchases
- Long-tenure financing aligned with machinery depreciation lifecycle
- Structured for MSME manufacturing upgrade and capacity expansion
- Case-by-case assessment for applicable scheme eligibility
Eligibility Criteria
- Registered MSME with valid Udyam certification
- Manufacturing or production-sector enterprise
- Minimum business vintage (assessed case-by-case)
- Machinery invoice/proforma from approved supplier
- Scheme eligibility evaluated during consultation
Government-backed, no asset pledging required
CGTMSE Scheme
Under the Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE) scheme, eligible businesses can access loans up to ₹10 Crore without pledging any collateral or third-party guarantee. The Government of India guarantees the loan to the lender, enabling sanction based purely on your business merit.
Key Benefits
- Zero collateral — no property pledge needed
- Government of India guarantee to lender
- Up to ₹10 Crore available
Eligibility Criteria
- Micro or Small Enterprise (as per MSMED Act)
- Manufacturing, Trading, or Service sector
- Valid Udyam and GST registration mandatory
- No existing running working capital or CGTMSE loan
Unlock cash from raised invoices
Invoice / Bill Discounting
Convert raised invoices into immediate working capital. Suitable for businesses with established buyer relationships and consistent invoice cycles — turning receivables into deployable capital without waiting for payment terms to mature.
Key Benefits
- Immediate liquidity from raised invoices
- Improves cash conversion cycle
- Suitable for businesses with established buyer relationships
- Reduces dependence on overdraft facilities
Eligibility Criteria
- B2B invoices from creditworthy buyers
- Registered business with valid GSTIN
- Established buyer relationships with consistent invoice cycles
Which Loan is Right for You?
Compare all four products side by side to find the best fit for your business.
| Product | Loan Amount | Tenure | Interest Rate | Collateral | Sanction |
|---|---|---|---|---|---|
| Working Capital | ₹20L – ₹100 Cr | 1 yr, renewable | Case-by-case | Required (own / 3rd-party) | 48–72 hours |
| MSME Term Loan | ₹10L – ₹50 Cr | 1–10 years | From 8% p.a. | Required (own / 3rd-party) | 48–72 hours |
| CGTMSE | Up to ₹10 Cr | Case-by-case | From 8% p.a. | Not required (Govt guarantee) | 48–72 hours |
| Invoice Discounting | ₹50L – ₹50 Cr | Invoice-linked | From 9% p.a. | Required (invoices + may add) | 48–72 hours |
Rates are indicative and subject to lender assessment. Final rates depend on business profile and creditworthiness.
Also available — Machinery Loans for MSME manufacturers
Specialist financing for plant, equipment, and machinery purchases. Loan structures from ₹10 Lakh to ₹25 Crore, with tenures up to 15 years — supporting capacity expansion, equipment upgrades, and production automation for manufacturing businesses.
For manufacturing enterprises only. Case-by-case assessment for scheme eligibility during consultation.
52 MSMEs Funded | ₹87 Cr Disbursed | 10+ Public & Private Banks (No NBFC)
Ready to Discuss Your Case?
Talk directly with Suryaa about your funding requirement. We'll identify the right product and lender for your business — in one call.