01Who it's for
Traders and shopkeepers with GST filings
Manufacturers buying equipment
Service firms bridging receivables
02Eligibility
Business running at least two years
Annual turnover above ₹20 L
GST registration and filings up to date
Owner aged 25–65
03Documents needed
PAN and Aadhaar of the proprietor
Two years' ITR and audited accounts
Twelve months' current-account statements
GST returns and business registration
Scope of work
What I handle for you
Not a product list — the specific work that happens once you say go.
01MSME schemes nobody mentionedCGTMSE, Mudra and state subsidy schemes checked against your business before any commercial loan is considered.
02Working capital sized to your cash cycleThe limit is set on how your money actually moves, so you are not paying interest on funds sitting idle.
03Statements prepared for the credit teamI tell you what the bank will object to in your GST returns and balance sheet before they see them.
04Machinery funding matched to the assetTerm loans set against the equipment's working life, with the moratorium timed so repayment starts once the machine earns.
EMI calculator
₹ 25 L
8.75%
20 years
Monthly EMI
₹ 22,093
Total interest₹ 28,02,264
Total repayment₹ 53,02,264
*Terms and conditions apply.
Frequently asked
Can I get a loan without collateral?+
Yes, up to roughly ₹50 L, depending on turnover. CGTMSE-backed schemes can go further without security.
How fast is disbursal?+
Five to ten working days once the documents are complete.
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