Working capital & MSME funding
Cashflow that keeps your shop, factory or service business running smoothly.
What is working capital & msme funding?
Working capital is the lifeblood of every MSME. We arrange cash credit, overdraft, drop-line OD, invoice discounting and unsecured business loans tailored to your turnover, GST data and banking pattern.
Why customers choose us
- Limits from ₹10 lakh to ₹25 crore
- Cash credit, overdraft and drop-line structures
- GST and bank-statement based instant offers
- Invoice discounting against approved buyers
- CGTMSE and MUDRA schemes for first-time borrowers
The full picture
Cash credit and OD
Revolving limits secured against stock, debtors or property.
Unsecured business loan
Pure-play term loans based on GST and bank turnover with no collateral.
Invoice discounting
Convert approved invoices to cash within 48 hours through TReDS and private platforms.
Government schemes
CGTMSE, MUDRA, PMEGP and Stand-Up India sanctions for eligible MSMEs.
Term loans for capex
Long-tenure funding for machinery, plant and capacity expansion.
Who can apply
- MSME registered entity
- Minimum 2 years in business
- Filing GST returns regularly
- Healthy bank conduct and no recent defaults
What to keep handy
- Udyam registration certificate
- Last 2 years audited financials
- Last 12 months GST returns
- Last 12 months bank statements
Common questions
What is the difference between OD and term loan?+
An overdraft is a revolving limit you draw and repay daily, paying interest only on usage. A term loan is a one-time disbursal repaid in fixed EMIs over a chosen tenure.
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