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🏢 MSME Loan

# MSME Loan

Collateral-free credit for micro, small and medium enterprises with quick disbursal.

📈 From 10% P.A.
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## About MSME Loan

MSME Loans are designed specifically for Micro, Small, and Medium Enterprises registered under the Udyam portal. These loans provide fast, often collateral-free financing to help your business grow — whether you need working capital, equipment purchase, expansion funding, or infrastructure upgrades.

Maharashtra is a leading MSME state, and Best Financial Services has deep expertise in navigating the banking ecosystem to get MSMEs the best possible credit terms. We handle everything — from assessing your eligibility and selecting the right bank, to documentation and disbursement.

## Types of MSME Loans

- Working Capital Loan — Fund day-to-day operations, purchase raw materials, and manage cash flow
- Term Loan — Long-term financing for equipment purchase, plant expansion, and infrastructure
- Machinery Loan — Dedicated financing for manufacturing machinery and equipment
- MSME Business Loan — Unsecured credit for general business requirements
- Bill Discounting / Invoice Financing — Convert unpaid invoices into immediate cash
- Letter of Credit / Bank Guarantee — Trade finance facilities for import/export businesses

## Key Features & Benefits

- Collateral-free loans up to ₹2 Crore under CGTMSE scheme
- Available to micro, small, and medium enterprises in all sectors
- Minimal documentation — Udyam registration streamlines the process
- Government interest subvention schemes for eligible MSMEs
- Priority sector lending ensures banks actively want to lend to MSMEs
- Quick disbursement — 5–7 working days for eligible profiles
- Access to state-level MSME schemes and subsidies in Maharashtra
- Expert CA support for financial projections and DPR preparation

#### 📊 MSME Classification (as per Udyam)

Category | Investment in Plant & Machinery | Annual Turnover
--- | --- | ---
Micro | Up to ₹1 Crore | Up to ₹5 Crore
Small | Up to ₹10 Crore | Up to ₹50 Crore
Medium | Up to ₹50 Crore | Up to ₹250 Crore

## Eligibility Criteria

- Business registered under Udyam (MSME) portal — mandatory
- Business vintage of minimum 1–2 years (varies by bank and loan type)
- Active GST registration and regular GST filings
- Positive net worth and profitability in recent financial years
- CIBIL score of 700+ for proprietor / directors
- No existing NPA accounts with any bank

## Documents Required

Udyam Registration Certificate
GST Registration & Returns (1 yr)
CA Audited Financials (2–3 years)
Bank Statements (12 months)
KYC – Aadhar & PAN of Directors
Business Address Proof
MOA / AOA / Partnership Deed
Last 2 years ITR

## Frequently Asked Questions

Not necessarily. Under the CGTMSE scheme, MSMEs can access loans up to ₹2 Crore without any collateral or third-party guarantee. The Credit Guarantee Fund Trust for Micro and Small Enterprises provides the guarantee to the lending bank on your behalf.
Yes, for most MSME-specific loan products and government scheme benefits, Udyam (formerly Udyog Aadhar) registration is mandatory. The good news is that registration is free and can be done in 24 hours — we assist with this at no charge.
For well-documented applications with a clean credit profile, banks can sanction MSME loans in 5–7 working days. Disbursement follows within 2–3 days of sanction and document execution. We expedite this through our banking relationships.
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