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Business financing in India isn’t limited to a bank loan — there’s Mudra, PSB Loans in 59 Minutes, CGTMSE collateral-free guarantees, and Startup India seed funding, each with its own eligibility rules and paperwork.
Get advisory support to identify the right lender and manage your business loan application from start to disbursal.
Apply for an in-principle MSME loan approval through the PSB 59-Minutes portal, with full application support.
Apply for a Pradhan Mantri Mudra Yojana loan under Shishu, Kishor, or Tarun with full documentation support.
Access a collateral-free loan for your MSME under the CGTMSE credit guarantee scheme.
Get advisory support structuring project finance or a term loan for capex, expansion, or new ventures.
Get the right cash credit or overdraft facility set up to smooth out your business's working capital cycle.
Apply for the Startup India Seed Fund Scheme to access early-stage government funding for your DPIIT-recognised startup.
Identify and apply for government grants and subsidy schemes relevant to your sector and business stage.
Get a full picture of the MSME schemes, benefits, and exemptions your business currently qualifies for.
Get support preparing for and navigating an angel or VC funding round, from readiness to investor conversations.
Get a pitch deck and financial projections built specifically for lender or investor conversations.
Get advisory support to improve your business CIBIL score before you apply for your next loan.
Business finance is about matching a funding need with the right source: a bank or NBFC loan, a credit cover scheme, a government scheme, a grant or equity. The services in this section include business loan, MSME loan, Mudra loan, working capital, project finance, CGTMSE, Startup India Seed Fund, government grants, MSME benefits, fundraising support, pitch deck preparation and credit score review.
A few frameworks shape most of this area. The Pradhan Mantri Mudra Yojana (PMMY) supports loans to micro and small non-farm enterprises through banks, NBFCs and MFIs in the Shishu, Kishore, Tarun and Tarun Plus categories, with the upper limit raised to ₹20 lakh under Tarun Plus. CGTMSE, a trust set up by the Government of India and SIDBI, gives cover to lenders on eligible collateral-free credit to micro and small enterprises; cover limits and fees are revised from time to time. MSME status under the MSMED Act, 2006, recorded through Udyam registration, is the gateway to many schemes, and the investment and turnover limits were revised with effect from 1 April 2025. Credit reports are issued by credit information companies licensed by the RBI under the Credit Information Companies (Regulation) Act, 2005.
Loan and grant decisions are made by the lender, fund or scheme authority. Expertvuw assists with preparing documents, projections and applications; it does not lend or arrange approvals.
Under the Pradhan Mantri Mudra Yojana, loans are grouped as Shishu (up to ₹50,000), Kishore (above ₹50,000 up to ₹5 lakh), Tarun (above ₹5 lakh up to ₹10 lakh) and Tarun Plus (above ₹10 lakh up to ₹20 lakh, for borrowers who have availed and repaid earlier Tarun loans). Loans are given by banks, NBFCs and MFIs for income-generating non-farm activities. Eligibility and pricing are decided by the lender.
CGTMSE, a trust set up by the Government of India and SIDBI, covers a portion of eligible collateral-free credit given by member lenders to micro and small enterprises. The borrower does not apply to CGTMSE directly; the lender seeks the cover while sanctioning the loan. An annual fee applies. Coverage limits and fee rates are revised from time to time, so check the current CGTMSE scheme guidelines.
Most central schemes for micro, small and medium enterprises rely on Udyam registration as proof of MSME status under the MSMED Act, 2006. It is also relevant for delayed-payment protection for micro and small suppliers under the MSMED Act. Classification depends on investment in plant and machinery and on turnover, with limits revised from 1 April 2025. Registration is free on the official Udyam portal.
Lenders generally check the credit reports of the business and, for smaller entities, of promoters and co-obligants. Reports come from credit information companies licensed by the RBI. Overdue accounts, frequent enquiries or reporting errors can affect the decision or the rate offered. Individuals can obtain free reports periodically, and disputed entries can be raised with the credit information company and the lender for correction.
The scheme supports DPIIT-recognised startups through selected incubators for proof of concept, prototype development, product trials and market entry. Applications are made on the Startup India portal and are evaluated by the incubator’s committee. Eligibility conditions, including the startup’s age and prior government funding, are set out in the scheme guidelines, which should be checked for the latest version before applying.