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MSME Loan

Tailored lending solutions for India's MSME backbone

By Saarthiom Advisory TeamFree Consultation Available
5 Step Process5 Eligibility Criteria

MSME loans are specifically designed for micro, small, and medium enterprises registered under the Udyam framework. These loans come with benefits like lower interest rates, flexible tenure, collateral-free options (under CGTMSE), and government interest subvention.

Whether you need a term loan for expansion, working capital for day-to-day operations, or machinery finance for a new production line, MSME loans cover a wide spectrum of business needs.

Saarthiom leverages its banking relationships to get your MSME loan sanctioned faster, often within 15–20 working days from complete documentation.

Tailored lending solutions for India's MSME backbone

— Saarthiom Advisory

Eligibility — Who Qualifies?

Valid Udyam Registration certificate
Business operational for 1+ years (preferred)
Annual turnover of ₹10L+ (varies by lender)
CIBIL score 650+ for unsecured loans
No existing NPA or wilful default history

How It Works — Step by Step

01

Need Assessment

We understand your loan requirement — term, working capital, or machinery.

02

Profile Building

Your financial profile is prepared with projections and ratios banks look for.

03

Lender Selection

We select the best-fit lender from PSBs, private banks, and NBFCs.

04

Application & Follow-up

Complete application is filed and tracked until sanction.

05

Disbursal

Loan amount is disbursed to your business account.

Documents Required

Udyam Registration Certificate
PAN & Aadhaar of proprietor / directors
Bank statements (6–12 months)
GST returns and ITR (last 2 years)
Financial statements (audited if applicable)
Business plan or project report
Collateral documents (if applicable)

Begin Your Free Consultation

Our advisors will evaluate your eligibility and guide you through every step at zero cost.

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